Best cash back credit cards

A no-annual-fee flat-rate card that pays unrestricted cash rewards on every purchase, paired with a modest welcome bonus and an intro APR window on purchases and balance transfers.

Annual Fee

$0

Reward Rate

Earn unlimited 2% cash rewards on purchases

Intro Offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Star Rating

5.0

• Unlimited 2% cash rewards on all purchases
• $200 bonus after $500 spend in 3 months
• $0 annual fee
• 0% intro APR for 12 months on purchases and qualifying balance transfers

Solid flat-rate and bonus cash-back categories sit alongside a 15-month interest-free window on purchases and balance transfers with no annual fee.

Annual Fee

$0

Reward Rate

Earn 5% cash back on travel purchased through Chase Travel™, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

Intro Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Star Rating

4.7

• 0% intro APR for 15 months on purchases and balance transfers
• 5% cash back on travel through Chase Travel, 3% on drugstores and dining, 1.5% on everything else
• $200 bonus after $500 spend in first 3 months
• Regular APR 18.24% - 27.74% Variable

Premium dining-focused card with strong points on restaurants and U.S. supermarkets plus recurring statement credits that can offset food delivery and rideshare spending.

Annual Fee

$325

Reward Rate

5X Membership Rewards points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App, 4X Membership Rewards points at restaurants worldwide (up to $50,000 per year, after that 1X), 4X at U.S. supermarkets (up to $25,000 per year, after that 1X), 3X on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines, 2X on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com, and 1X on all other eligible purchases

Intro Offer

As high as 100,000 Membership Rewards Points after you spend $8,000 in eligible purchases on the Card within the first 6 months of card membership (welcome offers vary and you may not be eligible for an offer; apply and find out your offer)

Star Rating

4.8

• 4X points at restaurants worldwide (cap applies)
• Monthly dining and Uber Cash credits with enrollment
• As high as 100,000 Membership Rewards points welcome offer
• $325 annual fee

Cash-back card built around elevated returns at U.S. supermarkets and select streaming, with gas and transit also boosted, plus a first-year waived annual fee.

Annual Fee

$0 intro annual fee for the first year, $95 per year thereafter

Reward Rate

Earn 6% cash back at U.S. supermarkets (up to $6,000 per year in eligible purchases, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), and 1% cash back on other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout)

Intro Offer

As high as $300 cash back after spending $3,000 in eligible purchases on this Card in the first 6 months (welcome offers vary and you may not be eligible for an offer; cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout; terms apply; apply and find out your offer)

Star Rating

5.0

• 6% cash back at U.S. supermarkets on first $6,000 per year
• 6% on select U.S. streaming services
• 3% at U.S. gas stations and on transit
• $0 intro annual fee the first year, then $95

Customizable no-annual-fee card letting you pick bonus categories each quarter—including streaming—so you can lock in a top rate on the subscriptions you already pay for.

Annual Fee

$0

Reward Rate

5% cash back on two categories you choose (up to $2,000 in combined eligible purchases each quarter) and on prepaid air, hotel and car reservations booked directly in the Rewards Center; 2% cash back on one everyday category, like gas stations/EV charging stations, grocery stores, or restaurants; and 1% cash back on all other eligible purchases

Intro Offer

Earn a $250 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening

Star Rating

4.7

• 5% cash back on two chosen categories each quarter (caps apply)
• 2% on one everyday category you select
• $250 bonus after $1,000 spend in 90 days
• $0 annual fee

Simple automatic 5% cash-back card that boosts your highest eligible spending category each billing cycle—handy when gas is your top expense—with no annual fee.

Annual Fee

$0

Reward Rate

5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, then 1% cash back), plus unlimited 1% cash back on all other purchases; plus, as a special travel offer, earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel™ portal through 6/30/2026

Intro Offer

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back

Star Rating

4.7

• 5% cash back on your top eligible category each billing cycle (first $500)
• No category activation required
• $200 cash back after $1500 spend in 6 months
• $0 annual fee

Member-only card with higher cash back on Costco gas and warehouse spend, plus competitive rates on other gas, restaurants, and travel, and no annual fee beyond Costco membership.

Annual Fee

$0

Reward Rate

Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter; 3% on restaurants and eligible travel purchases; 2% on all other purchases from Costco and Costco.com; and 1% on all other purchases

Intro Offer

N/A

Star Rating

4.6

• 5% cash back on gas at Costco (combined gas cap applies)
• 2% on Costco and Costco.com purchases
• 3% on restaurants and eligible travel
• $0 annual fee with paid Costco membership

Closed-loop store card aiming at Prime households, delivering a high cash-back rate at Amazon and Whole Foods with no annual fee and frequent financing promos.

Annual Fee

$0

Reward Rate

Prime Store Card members can earn 5% back at Amazon.com and Whole Foods Market (In-Store Code required) with an eligible Prime membership

Intro Offer

Get an $60 Amazon Gift Card instantly upon approval for Amazon Store Card

Star Rating

4.9

• 5% back at Amazon.com and Whole Foods with eligible Prime membership
• $60 Amazon Gift Card on approval
• $0 annual fee
• Promotional financing options available

Flexible choice-category cash-back card with a first-year earning boost in your selected category, grocery/wholesale earning, and no annual fee.

Annual Fee

$0

Reward Rate

Earn 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choicecategory, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum

Intro Offer

Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Star Rating

4.5

• 6% cash back first year in your choice category (then 3%)
• 2% at grocery stores and wholesale clubs
• $200 bonus after $1,000 spend in 90 days
• $0 annual fee