7 Best Credit Cards for Cash Back

Deals Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites. Opinions and recommendations are ours alone. Terms apply to the offers. See our Advertising Disclosure for more information.

There are a lot of credit cards out there that offer cash back rewards, but which one is the best for you?

It depends on your spending habits and what type of cash back you’re looking for.

Do you want a card that gives you a flat rate of cash back on all of your purchases? Or do you want a card that offers a higher percentage of cash back on specific categories like gas or groceries?

To help you figure out which cash back credit card is the best for you, we’ve compiled a list of the best options out there.

1. Chase Freedom Unlimited®

Best Cash Back Card

No Annual Fee

card_name

  • bonus_miles_full
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants and Drug Stores
  • 1.5% Cash Back on All Other Purchases
  • 0% Intro APR for 15 Months (After that, a reg_apr,reg_apr_type APR.)
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Unlimited® (review) is a good no-annual fee credit card option that offers 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back at restaurants, takeout, eligible delivery services, and on drugstore purchases. Plus it offers 1.5% cash back on all other eligible purchases.

The card also offers nice benefits such as purchase protection, extended warranty, trip cancellation/interruption insurance, and secondary rental car insurance.

2. Capital One SavorOne Cash Rewards Credit Card

Best for Dining & Entertainment

No Annual Fee
Capital One SavorOne Rewards
  • Earn bonus_miles_full
  • 8% Cash Back at Capital One Entertainment
  • 3% Cash Back on Dining, Entertainment, Streaming, and Grocery Stores
  • No Annual Fee
Learn More Our Review

The Capital One SavorOne is a no-annual-fee card that earns 3% cash back in four popular categories: dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).

The SavorOne also has nice perks such as no foreign transaction fees and extended warranty protection.

Plus, cardholders earn 10% cash back on purchases with Uber and Uber Eats and complimentary Uber One membership statement credits every month through November 14, 2024.

3. Chase Freedom Flex℠

Best for Flexible Rewards

5% Back in Quarterly Categories
Chase Freedom Flex℠
  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months.
  • 5% Cash Back in Quarterly Bonus Categories (up to $1,500 in combined spending after activation)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants, Eligible Food Delivery, and Drug Stores
  • Cell Phone Insurance and Purchase Protection
  • No Annual Fee
Learn More Our Review
Referral Link

The Chase Freedom Flex℠ (review) is a great no-annual fee card that earns 5% cash back in quarterly categories (up to $1,500 in combined spending) and on travel purchased via Chase Ultimate Rewards.

The Freedom Flex also earns 3% cash back at restaurants, eligible food delivery, and drug stores.

The card also comes with nice benefits such as cell phone insurance, extended warranty, purchase protection, secondary rental car insurance, and trip cancellation/interruption insurance.

4. Capital One Spark Cash Plus

Best for Daily Spending

2% Back
Capital One Spark Cash Plus
  • Earn bonus_miles_full.
  • 5% Back on Hotels and Rental Cars Booked Via Capital One Travel
  • 2% Cash Back on All Purchases
  • Extended Warranty & No Foreign Transaction Fees
  • $150 Annual Fee
Learn More Our Review

The Capital One Spark Cash Plus is great for businesses that spend a lot each year. 

The card earns 2% cash back on all purchases and comes with no preset spending limit so that it can adapt to your needs based on your spending behavior, payment history, and credit profile.

The card also earns unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

5. Blue Cash Preferred® Card from American Express

Best for U.S. Supermarkets & Streaming

6% Cash Back at U.S. Supermarkets and on U.S. Streaming
Blue Cash Preferred® Card from American Express
  • bonus_miles_full
  • 6% Cash Back at U.S. Supermarkets (up to $6,000 per year; 1% thereafter) and on Select U.S. Streaming
  • 3% Cash Back on Transit, Ridesharing, Parking, and at U.S. Gas Stations
  • $0 Intro Annual Fee for the First Year, then $95 (rates & fees).
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply

The Blue Cash Preferred® Card from American Express (review) offers an outstanding 6% cash back rewards for purchases at U.S. supermarkets (up to $6,000 per year; 1% thereafter) and on U.S. streaming services, making it perfect for anyone who wants to maximize earnings from everyday expenses. 

Plus, the card offers 3% cash back on transit, rideshare, parking, and at U.S. gas stations.

6. Blue Cash Everyday® Card from American Express

No Annual Fee
Blue Cash Everyday® Card from American Express
  • bonus_miles_full
  • 3% Cash Back at U.S. Supermarkets, U.S. Online Retail Purchases, & U.S. Gas Stations (each on up to $6,000 per year in purchases, 1% thereafter)
  • 0% Intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, a reg_apr,reg_apr_type APR.
  • No Annual Fee (rates & fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply; Enrollment is Required for Some Benefits

The Blue Cash Everyday® Card from American Express is a great no-annual fee credit card option that earns 3% cash back at U.S. supermarkets, U.S. online retail purchases, & U.S. gas stations (each on up to $6,000 per year in purchases, 1% thereafter).

The Blue Cash also offers $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, including Disney+, Hulu, and ESPN+. (Enrollment required.)

Plus, a $180 annual credit for Home Chef purchases in the form of a monthly $15 statement credit

7. Citi Custom Cash℠ Card

5% Cash Back in Top Category
Citi Custom Cash℠ Card
  • bonus_miles_full
  • 5% Cash Back on Purchases in Your Top Eligible Spend Category Each Billing Cycle up to $500 (1% after that)
  • 0% Intro APR for 15 Months on Purchases and Balance Transfers ($5 or 5% fee). After that, reg_apr,reg_apr_type.
  • No Annual Fee
Our Review Learn More
Non-Affiliate Link

The Citi Custom Cash is a no-annual-fee card that earns 5% cash back in your top spending category each billing cycle.

Eligible 5% cash back categories, among several others, include:

This allows you to turn the Custom Cash into your 5% cash back card for your favorite category.

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

U.S. Bank Cash+® Visa Signature® Card
  • Earn a $200 Bonus After Spending $1,000 in the First 120 Days.
  • 5% Cash Back on the First $2,000 in Spending Each Quarter in Two Categories that You Choose
  • 2% Cash Back on one category like Gas Stations and EV Charging Stations, Grocery Stores, or Restaurants
  • No Annual Fee
Learn More

The U.S. Bank Cash+® Visa Signature® Card is a no-annual-fee card offering 5% cash back on:

  • Your first $2,000 in combined purchases each quarter in two categories that you choose.
  • Prepaid air, hotel, and car rental reservations booked directly in Rewards Travel Center.

You have the option to choose two of the following to earn 5% cash back: (1) Fast Food, (2) TV, Internet, and Streaming, (3) Cell Phone Providers, (4) Home Utilities, (5) Department Stores, (6) Electronic Stores, (7) Sporting Good Stores, (8) Movie Theaters, (9) Gyms/Fitness Centers, (10) Furniture Stores, (11) Ground Transportation, and (12) Select Clothing Stores.

You also have the option of choosing to earn 2% cash back for either: (1) grocery stores and grocery delivery, (2) restaurants, or (3) gas stations and EV charging stations. 

All other eligible purchases will earn 1% cash back.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

Top offers from our partners
60,000 Points
Terms Apply
75,000 Bonus Miles
Terms Apply
100,000 Bonus Points
Terms Apply
100,000 Points
Terms Apply