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Top-Rated Credit Cards for Cash Rewards

Credit cards for cash rewards offer users a percentage of their spending back in the form of cash. This type of credit card is popular among consumers who want to get a little extra benefit from their everyday purchases, as it essentially provides a discount on what they buy.

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A cash rewards credit card functions by giving you a certain percentage back on each purchase you make. The rates can vary depending on the type of purchase

  • Chase Freedom Unlimited
    Chase Freedom Unlimited

    Chase Freedom Unlimited - Cash back card with no annual fee.

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  • Citi Double Cash Card
    Citi Double Cash Card

    Citi Double Cash Card - 2% cash back on all purchases; no annual fee.

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  • American Express Blue Cash Preferred
    American Express Blue Cash Preferred

    American Express Blue Cash Preferred - High cashback on groceries, streaming; annual fee.

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  • Capital One Quicksilver
    Capital One Quicksilver

    Capital One Quicksilver - No-annual-fee card with unlimited 1.5% cash back.

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  • Discover it Cash Back
    Discover it Cash Back

    Discover it Cash Back - Credit card offering rotating 5% cash back categories.

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  • Wells Fargo Active Cash Card
    Wells Fargo Active Cash Card

    Wells Fargo Active Cash Card - Flat 2% cash back, no annual fee.

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  • Bank of America Cash Rewards
    Bank of America Cash Rewards

    Bank of America Cash Rewards - Flexible cash back rewards on various spending categories.

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  • U.S. Bank Cash+ Visa Signature Card
    U.S. Bank Cash+ Visa Signature Card

    U.S. Bank Cash+ Visa Signature Card - Customizable cashback with no annual fee.

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  • Navy Federal Credit Union cashRewards
    Navy Federal Credit Union cashRewards

    Navy Federal Credit Union cashRewards - Navy Federal cashRewards offers unlimited 1.5% cash back.

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  • PNC Cash Rewards Visa.
    PNC Cash Rewards Visa.

    PNC Cash Rewards Visa. - PNC Cash Rewards Visa offers cash back on purchases.

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Top-Rated Credit Cards for Cash Rewards

1.

Chase Freedom Unlimited

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The Chase Freedom Unlimited® is a popular cash-back credit card offering 1.5% cash back on all purchases, with no annual fee. It also provides 5% cash back on travel booked through Chase Ultimate Rewards®, 3% on dining and drugstore purchases, and 1.5% on all other purchases. New cardholders can benefit from a generous introductory offer, including a 0% APR on purchases and balance transfers for the first 15 months. It’s ideal for those seeking versatile rewards and simplicity.

Pros

  • pros No annual fee
  • pros 1.5% cash back on all purchases
  • pros bonus categories
  • pros travel insurance
  • pros purchase protection

Cons

  • consForeign transaction fee
  • cons APR can be high
  • cons limited reward transfer options
  • cons requires good credit
  • cons cash back redemption minimum
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2.

Citi Double Cash Card

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The Citi Double Cash Card is a versatile credit card offering up to 2% cash back on all purchases—1% when you buy and an additional 1% when you pay. It has no annual fee and features an introductory APR on balance transfers. Ideal for those seeking straightforward rewards and value, it also includes benefits like purchase protection and access to Citi Entertainment. Note that it requires good to excellent credit for approval.

Pros

  • pros 2% cash back
  • pros no annual fee
  • pros simple rewards structure
  • pros balance transfer offer
  • pros widely accepted.

Cons

  • consNo welcome bonus
  • cons foreign transaction fees
  • cons high APR
  • cons limited benefits
  • cons no travel rewards.
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3.

American Express Blue Cash Preferred

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The American Express Blue Cash Preferred® Card is a popular cashback credit card offering generous rewards on everyday spending. Cardholders earn 6% cash back at U.S. supermarkets (up to $6,000 annually), 6% on select U.S. streaming services, 3% at U.S. gas stations and on transit, and 1% on other purchases. The card also offers a welcome bonus and various travel and shopping protections. It has an annual fee but provides substantial value for those with significant grocery and streaming expenses.

Pros

  • pros high cash back on groceries
  • pros strong rewards on streaming services
  • pros competitive cash back on transit
  • pros welcome bonus offer
  • pros 0% intro APR.

Cons

  • consannual fee
  • cons foreign transaction fees
  • cons limited acceptance abroad
  • cons reward categories capped
  • cons requires good credit.
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4.

Capital One Quicksilver

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The Capital One Quicksilver is a popular cash-back credit card offering unlimited 1.5% cash back on every purchase, with no annual fee. It features a straightforward rewards structure, making it ideal for those seeking simplicity and value. The card often includes a sign-up bonus for new cardholders who meet spending requirements. Additional benefits include no foreign transaction fees, fraud coverage, and access to travel and shopping discounts, making it a versatile choice for everyday use.

Pros

  • pros No annual fee
  • pros unlimited 1.5% cash back
  • pros $200 sign-up bonus
  • pros no foreign transaction fees
  • pros flexible redemption options.

Cons

  • consHigh APR
  • cons no bonus categories
  • cons limited benefits
  • cons requires good credit
  • cons no intro APR for balance transfers.
View Detail

5.

Discover it Cash Back

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The Discover it® Cash Back is a popular credit card offering 5% cash back on rotating quarterly categories, such as groceries, gas, or dining, up to a quarterly maximum, after activation. All other purchases earn 1% cash back. It features no annual fee, a dollar-for-dollar match of all cash back earned in the first year, and includes benefits like free access to your FICO® credit score. The card is ideal for users seeking to maximize rewards through strategic spending.

Pros

  • pros Cashback match first year
  • pros no annual fee
  • pros 5% rotating categories
  • pros flexible redemption options
  • pros free FICO score.

Cons

  • consRotating categories require activation
  • cons 5% limited to $1
  • cons500 per quarter
  • cons international transaction fees
  • cons limited acceptance abroad
  • cons average base cashback rate.
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6.

Wells Fargo Active Cash Card

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The Wells Fargo Active Cash Card offers a straightforward and rewarding cash back experience with 2% unlimited cash rewards on purchases. It features no annual fee, a 0% introductory APR for 15 months on purchases and qualifying balance transfers, and convenient contactless payment options. Additionally, new cardholders can earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months. Ideal for those seeking simplicity and generous everyday rewards.

Pros

  • pros 2% cash back on all purchases
  • pros No annual fee
  • pros Intro APR offers
  • pros Cell phone protection
  • pros Contactless payment option.

Cons

  • consForeign transaction fee
  • cons Limited rewards program
  • cons No bonus categories
  • cons High APR after intro period
  • cons Strict approval criteria.
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7.

Bank of America Cash Rewards

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The Bank of America Cash Rewards credit card offers a flexible cashback program, allowing cardholders to earn 3% cash back in a category of their choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases. The card also features a $200 online cash rewards bonus after spending a specified amount within the first 90 days. With no annual fee and additional perks for Bank of America Preferred Rewards members, it's a versatile option for everyday spending.

Pros

  • pros 3% category choice
  • pros no annual fee
  • pros $200 sign-up bonus
  • pros multiple redemption options
  • pros online banking integration.

Cons

  • consForeign transaction fees
  • cons limited high-reward categories
  • cons potential for high APR
  • cons balance transfer fees
  • cons low base cash back rate.
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8.

U.S. Bank Cash+ Visa Signature Card

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The U.S. Bank Cash+ Visa Signature Card is a versatile cash-back credit card offering customizable rewards. Cardholders can earn 5% cash back on two categories of their choice, 2% on one everyday category like groceries or gas, and 1% on all other purchases. It features no annual fee and provides additional benefits such as Visa Signature perks, including travel and purchase protections. Ideal for those seeking flexibility in earning rewards tailored to their spending habits.

Pros

  • pros Customizable rewards
  • pros no annual fee
  • pros 5% cash back on chosen categories
  • pros $200 sign-up bonus
  • pros 0% intro APR on balance transfers.

Cons

  • consLimited 5% category choices
  • cons requires good credit
  • cons foreign transaction fee
  • cons rotating categories inconvenience
  • cons potential cap on cash back.
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10.

PNC Cash Rewards Visa.

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The PNC Cash Rewards Visa is a credit card that offers attractive cashback rewards on everyday purchases. Cardholders can earn 4% cash back on gas station purchases, 3% on dining, 2% at grocery stores, and 1% on all other purchases. The card also features no annual fee, flexible redemption options, and a 0% introductory APR on balance transfers for the first 12 billing cycles. It's ideal for those looking to maximize their rewards on common spending categories.

Pros

  • pros Cash back rewards program
  • pros No annual fee
  • pros Flexible redemption options
  • pros Introductory APR offers
  • pros Wide acceptance.

Cons

  • consForeign transaction fees
  • cons Limited travel benefits
  • cons Rewards categories may not suit all
  • cons Requires good credit
  • cons Standard APR can be high.
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