10 Best Cashback Credit Cards USA in 2025

Q: Do cashback credit cards have annual fees?

Many cashback credit cards have no annual fee , such as the Citi® Double Cash Card and Discover it® Cash Back. However, some premium cards, like the Blue Cash Preferred® Card from American Express ($95 annual fee) , offer higher cashback rates that may justify the cost.

Q: Do cashback rewards expire?

It depends on the card issuer. Some cards, like the Citi® Double Cash Card , do not expire as long as the account remains open. Others may have expiration policies, so it’s best to check your card’s terms and conditions.

Q: What credit score is needed for a cashback credit card?

Most of the best cashback credit cards in the USA require a good to excellent credit score (670+ FICO score). If you have a lower score, you might qualify for a secured cashback credit card.

Q: Are cashback credit cards better than travel rewards credit cards?

It depends on your spending habits: Cashback cards are ideal if you want simple rewards without restrictions. Travel rewards cards offer points/miles that may provide more value for frequent travelers but often require more strategy to redeem effectively.

Q: Are there any downsides to cashback credit cards?

While cashback credit cards are great, be aware of: High interest rates (only use if you can pay off your balance in full each month). Spending limits (some cards have quarterly or annual caps on high cashback categories). Annual fees (make sure the cashback benefits outweigh the cost).

Cashback credit cards offer a fantastic way to earn rewards on everyday purchases. Whether you shop for groceries, dine out, or fill up your gas tank, the right card can help you save money while spending. In this guide, we’ll explore the 10 best cashback credit cards USA has to offer, detailing their features, bonuses, annual fees, credit requirements, and regular APRs.

1. Wells Fargo Active Cash® Card

Why It’s Great: A simple, straightforward option with unlimited cashback.

Cashback Rate: Earn unlimited 2% cashback on every purchase, making it one of the most reliable flat-rate cashback cards.
Sign-Up Bonus: $200 cash rewards after spending $1,000 within the first 3 months.
Annual Fee: $0
Credit Needed: Good to Excellent (670+ FICO score).
Regular APR: 20.24% – 29.99% variable.
Extra Perks: Includes cellphone protection and access to Visa Signature® benefits.

2. Chase Freedom Unlimited®

Why It’s Great: Perfect for travel and dining rewards with no annual fee.

Cashback Rate:
5% on travel booked through Chase Travel℠.
3% on dining and drugstores.
1.5% on all other purchases.
Sign-Up Bonus: Earn an extra 1.5% cashback on all purchases (up to $20,000 in the first year).
Annual Fee: $0
Credit Needed: Good to Excellent.
Regular APR: 19.49% – 28.24% variable.
Extra Perks: Purchase protection, trip cancellation insurance, and extended warranty benefits.

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3. Discover it® Cash Back

Why It’s Great: Rotating categories allow you to maximize cashback throughout the year.

Cashback Rate:
5% cashback on rotating quarterly categories (up to $1,500 per quarter, activation required).
1% on all other purchases.
Sign-Up Bonus: Unlimited Cashback Match—Discover automatically matches all cashback earned in the first year.
Annual Fee: $0
Credit Needed: Good to Excellent.
Regular APR: 18.24% – 27.24% variable.
Extra Perks: Free Social Security number alerts and no foreign transaction fees.

10 Best Cashback Credit Cards USA in 2025

4. Citi® Double Cash Card

Why It’s Great: A solid 2% cashback card with no bonus categories to track.

Cashback Rate:
Earn 1% when you buy and an additional 1% when you pay for your purchases.
Sign-Up Bonus: None, but its ongoing 2% cashback is one of the best in the industry.
Annual Fee: $0
Credit Needed: Good to Excellent.
Regular APR: 19.24% – 29.24% variable.
Extra Perks: Includes Citi Entertainment® access and contactless payment options.

5. Blue Cash Preferred® Card from American Express

Why It’s Great: The best cashback card for grocery shoppers.

Cashback Rate:
6% at U.S. supermarkets (up to $6,000 per year, then 1%).
6% on select U.S. streaming services.
3% at U.S. gas stations and on transit.
1% on all other purchases.
Sign-Up Bonus: $250 statement credit after spending $3,000 in the first 6 months.
Annual Fee: $95
Credit Needed: Good to Excellent.
Regular APR: 20.24% – 30.24% variable.
Extra Perks: Car rental insurance, return protection, and exclusive Amex Offers.

5 Best Cashback Credit Cards USA

6. Capital One SavorOne Cash Rewards Credit Card

Why It’s Great: Ideal for foodies who love dining and entertainment.

Cashback Rate:
3% on dining, entertainment, and popular streaming services.
3% at grocery stores (excluding superstores like Walmart & Target).
1% on all other purchases.
Sign-Up Bonus: Earn $200 after spending $500 within the first 3 months.
Annual Fee: $0
Credit Needed: Good to Excellent.
Regular APR: 19.99% – 29.99% variable.
Extra Perks: No foreign transaction fees and extended warranty protection.

7. Bank of America® Customized Cash Rewards Credit Card

Why It’s Great: Lets you choose your highest cashback category.

Cashback Rate:
3% on a category of your choice (gas, online shopping, dining, travel, drugstores, or home improvement/furnishings).
2% at grocery stores and wholesale clubs (on up to $2,500 in combined purchases per quarter, then 1%).
1% on all other purchases.
Sign-Up Bonus: $200 online cash rewards after spending $1,000 in the first 90 days.
Annual Fee: $0
Credit Needed: Good to Excellent.
Regular APR: 18.24% – 28.24% variable.
Extra Perks: Get higher cashback rates if you’re a Bank of America Preferred Rewards member.

8. U.S. Bank Cash+® Visa Signature® Card

Why It’s Great: Customizable cashback categories allow more control over rewards.

Cashback Rate:
5% on two categories of your choice (up to $2,000 per quarter).
2% on one everyday category.
1% on all other purchases.
Sign-Up Bonus: Earn $200 after spending $1,000 in the first 120 days.
Annual Fee: $0
Credit Needed: Good to Excellent.
Regular APR: 19.74% – 29.74% variable.
Extra Perks: Fraud protection and cell phone protection.

9. Amazon Prime Rewards Visa Signature Card

Why It’s Great: Best cashback card for Amazon and Whole Foods shoppers.

Cashback Rate:
5% on Amazon.com and Whole Foods.
2% at restaurants, gas stations, and drugstores.
1% on all other purchases.
Sign-Up Bonus: $100 Amazon gift card upon approval.
Annual Fee: $0 (requires Amazon Prime membership).
Credit Needed: Good to Excellent.
Regular APR: 19.49% – 27.49% variable.
Extra Perks: No foreign transaction fees and extended warranty protection.

10. PayPal Cashback Mastercard®

Why It’s Great: Straightforward, high-rate cashback on everything.

Cashback Rate: 3% cashback on PayPal purchases and 2% on all other purchases.
Sign-Up Bonus: None, but offers a strong unlimited cashback rate.
Annual Fee: $0
Credit Needed: Good to Excellent.
Regular APR: 19.99% – 29.99% variable.
Extra Perks: No minimum redemption for cashback.

The 10 best cashback credit cards USA offers can help you save hundreds of dollars a year. Whether you prefer flat-rate cashback or rotating categories, there’s a card for you. Always consider your spending habits, fees, and benefits before choosing the best card for your needs.

FAQ:

What is a cashback credit card?

A cashback credit card allows you to earn a percentage of your spending back as a reward. The cashback can be redeemed as a statement credit, direct deposit, or even gift cards, depending on the issuer’s policy.

How do cashback credit cards work?

When you make a purchase, a portion of the amount spent is returned to you as cashback. The rate varies by card and category, such as 2% on all purchases or 5% on specific categories like groceries or dining.

Do cashback credit cards have annual fees?

Many cashback credit cards have no annual fee, such as the Citi® Double Cash Card and Discover it® Cash Back. However, some premium cards, like the Blue Cash Preferred® Card from American Express ($95 annual fee), offer higher cashback rates that may justify the cost.

Do cashback rewards expire?

It depends on the card issuer. Some cards, like the Citi® Double Cash Card, do not expire as long as the account remains open. Others may have expiration policies, so it’s best to check your card’s terms and conditions.

What credit score is needed for a cashback credit card?

Most of the best cashback credit cards in the USA require a good to excellent credit score (670+ FICO score). If you have a lower score, you might qualify for a secured cashback credit card.

Are cashback credit cards better than travel rewards credit cards?

It depends on your spending habits:
Cashback cards are ideal if you want simple rewards without restrictions.
Travel rewards cards offer points/miles that may provide more value for frequent travelers but often require more strategy to redeem effectively.

Are there any downsides to cashback credit cards?

While cashback credit cards are great, be aware of:
High interest rates (only use if you can pay off your balance in full each month).
Spending limits (some cards have quarterly or annual caps on high cashback categories).
Annual fees (make sure the cashback benefits outweigh the cost).