7 Best Credit Cards for Cash Back

Deals Points has partnered with CardRatings for our coverage of credit card products. Deals Points and CardRatings may receive a commission from card issuers. 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.

Whether you’re looking for a simple cash back card or one with more customized rewards, we’ve got you covered.

1. Citi® Double Cash Card - 18 month BT offer

2% Cash Back & No Annual Fee
Citi® Double Cash Card – 18 Month BT Offer
  • 2% Cash Back (1% on Purchases, 1% When You Pay)
  • 0% Intro APR on Balance Transfers for 18 months. After That, a Variable APR of 17.74% – 27.74%
  • No Annual Fee
Learn More Our Review

The Citi® Double Cash Card – 18 month BT offer boasts a strong 2% rewards rate on purchases, where you get 1% back when you buy and 1% when you pay. 

This zero-annual-fee card offers a solid earning potential as long as you pay your balance on time, and it provides a simple way to rack up points with no bonus categories to track. 

You can also boost your rewards by also holding the Citi Premier® Card (review), which allows you to transfer points to airline and hotel programs. This combination effectively allows you to earn 2 airline miles per dollar on all spending with the Citi Double Cash.

2. Citi Custom Cash℠ Card

5% Cash Back in Top Category
Citi Custom Cash℠ Card
  • Earn $200 Cash Back After Spending $1,500 in the First Six Months
  • 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, a variable APR of 17.74% – 27.74% applies.
  • No Annual Fee
Learn More Our Review

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

Eligible 5% cash back categories include restaurants, gas stations, grocery stores, select travel, home improvement stores, drug stores, select transit, select streaming, fitness clubs, and live entertainment.

This allows you to turn the Custom Cash into your 5% cash back card for gas stations, restaurants, grocery stores, or several other categories.

3. Chase Freedom Unlimited®

No Annual Fee
Chase Freedom Unlimited®
  • Earn an Additional 1.5% on All Purchases Up to $20,000 in the First Year ($300 Max Bonus)
  • 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 the Intro Period, a Variable APR of 17.99% – 26.74% Applies)
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

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

4. Chase Freedom Flex℠

5% Back in Quarterly Categories
Chase Freedom Flex℠
  • Earn $200 Bonus Cash Back After Spending $500 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

Click Here to Learn How to Apply

The Chase Freedom Flex℠ 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.

5. Blue Cash Preferred® Card from American Express

6% Cash Back at U.S. Supermarkets and on U.S. Streaming
Blue Cash Preferred® Card from American Express
  • Earn a $250 Bonus as a Statement Credit After $3,000 in Eligible Purchases in the First 6 Months
  • 6% Cash Back at U.S. Supermarkets (up to $6,000 per year) 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 and Fees)
Learn More Our Review
Terms Apply

The Blue Cash Preferred® Card from American Express offers an outstanding 6% cash back rewards for purchases at U.S. supermarkets (up to $6,000 per year) 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 U.S. gas stations.

The card has a $0 intro annual fee for the first year (then $95 thereafter), but earns 3% cash back at U.S. gas stations and on transit, including rideshare, taxis, buses, trains, and parking. 

6. Blue Cash Everyday® Card from American Express

No Annual Fee
Blue Cash Everyday® Card from American Express
  • Earn a Bonus of Up to $250: Earn $100 as a Statement Credit After $2,000 in Eligible Purchases in the First 6 Months, and up to $150 as Statement Credit via 20% Back when Using the Card to Check Out with PayPal in the First 6 Months.
  • 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)
  • $7 Monthly Credit for the Disney Bundle
  • Up to $15 Monthly Home Chef Credit
  • No Annual Fee (Rates and Fees)
Learn More Our Review
Terms Apply; Enrollment Required for Some Benefits

The Blue Cash Everyday® Card from American Express is good 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 a $7 monthly credit for the Disney Bundle (Disney+, ESPN+, and Hulu) and a $15 monthly Home Chef credit.

7. U.S. Bank Cash Plus

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.

You can also enjoy a valuable 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR applies, currently 16.74% to 26.74%. 

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
Citi Premier
Terms Apply
BEST CARD FOR EARNING POINTS
Citi Premier® Card
80,000 Bonus Points (Highest Bonus Ever for a Limited Time)
Capital One Venture X
Terms Apply
BEST PREMIUM TRAVEL REWARDS CARD
Capital One Venture X Rewards Credit Card
75,000 Bonus Points
Chase Business Unlimited Credit Card
Terms Apply
$900 Cash Back (Highest Bonus Ever for a Limited Time)
Chase Sapphire Reserve®
Terms Apply
BEST CASH BACK CARD
Chase Sapphire Reserve
80,000 Points