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★★★★★Best no-annual-fee cashback card for moderate spending on groceries
Blue Cash Everyday® Card from American Express
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Balance transfer APR
N/A
Welcome offer
$200 after spending $1,000 in the first 3 months
Rewards
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
★★★★★ ★★★★★Best for pairing with Chase cards
Chase Freedom Unlimited®
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR
14.99% to 23.74% variable
Welcome offer
$200 after spending $500 in the first 3 months
Rewards
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
Best 5% cashback card
Chase Freedom Flex℠
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR
14.99% to 23.74% variable
Welcome offer
$200 after spending $500 in the first 3 months
Rewards
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
Best cashback card for unlimited cash back and ongoing rewards after a balance transfer
Citi® Double Cash Card
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
13.99% to 23.99% variable
Balance transfer APR
0% intro for the first 18 months (then 13.99% to 23.99% variable)
Welcome offer
N/A
Rewards
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Best for gas
Costco Anywhere Visa® Card by Citi
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
15.24% variable
Balance transfer APR
15.24% variable
Welcome offer
N/A
Rewards
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
★★★★★Best for new to credit
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
12.99% to 26.99% variable
Balance transfer APR
N/A
Welcome offer
N/A
Rewards
1% cashback, 1.25% after six on-time payments and 1.5% after 12 on-time payments, plus 2% - 10% back from select merchants
★★★★★Best cashback card for groceries
Blue Cash Preferred® Card from American Express
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0 intro annual fee for the first year ($95 thereafter)
Purchase APR
0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR
N/A
Welcome offer
$300 after spending $3,000 in the first 6 months
Rewards
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
Best cashback card for rotating categories
U.S. Bank Cash+™ Visa Signature® Card
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
13.99% to 23.99% variable
Balance transfer APR
0% intro for the first 12 months (then 13.99% to 23.99% variable)
Welcome offer
$150 after spending $500 in the first 90 days
Rewards
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
Best cashback card for dining and entertainment
Capital One® Savor® Cash Rewards Credit Card
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0 intro annual fee for the first year ($95 thereafter)
Purchase APR
15.99% or 24.99% variable
Balance transfer APR
15.99% or 24.99% variable
Welcome offer
$300 after spending $3,000 in the first 3 months
Rewards
8% cash back with Vivid Seats, 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases
Aside from the two Chase Freedom cards that made an entrance last year with spectacular rewards on select categories, all other cards kept their spots on our best list this year.Best for Cashback Match after first year
Discover it® Cash Back
Min. credit score
Annual fee
Cash back
Welcome offer
Annual Fee
$0
Purchase APR
0% intro for the first 14 months (then 11.99% to 22.99% variable)
Balance transfer APR
0% intro for the first 14 months (then 11.99% to 22.99% variable)
Welcome offer
Discover will match cash back earned at the end of your first card year
Rewards
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
What’s changed in 2021
Card name | Best for… | Finder rating | Rewards |
---|---|---|---|
Chase Freedom Unlimited® | Best for pairing with Chase cards | Finder rating: 4.7/5 | 5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases |
Chase Freedom Flex℠ | Best 5% cashback card | Finder rating: 4.7/5 | 5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases |
Citi® Double Cash Card | Best cashback card for unlimited cash back and ongoing rewards after a balance transfer | Finder rating: 3.8/5 | Up to 2% cash back on purchases (1% when you buy plus 1% as you pay) |
Costco Anywhere Visa® Card by Citi | Best for gas | Finder rating: 3.6/5 | 4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases |
Petal® 2 "Cash Back, No Fees" Visa® Credit Card | Best for new to credit | Finder rating: 2.9/5 | 1% cashback, 1.25% after six on-time payments and 1.5% after 12 on-time payments, plus 2% - 10% back from select merchants |
Blue Cash Preferred® Card from American Express | Best cashback card for groceries | Finder rating: 4.3/5 | 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases |
U.S. Bank Cash+™ Visa Signature® Card | Best cashback card for rotating categories | Finder rating: 4.4/5 | 5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases |
Blue Cash Everyday® Card from American Express | Best no-annual-fee cashback card for moderate spending on groceries | Finder rating: 4.6/5 | 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases |
Discover it® Cash Back | Best for Cashback Match after first year | Finder rating: 4.8/5 | 5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases |
Capital One® Savor® Cash Rewards Credit Card | Best for welcome offer | Finder rating: 4.4/5 | 8% cash back with Vivid Seats, 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases |
As you compare credit cards, certain features may stand out to you. Here’s what to look for as you find your next cashback card.
The best cashback card will depend on your finances, credit score and spending habits. If none of these feel like the right fit, compare more credit cards with cashback rewards to find the right one for you.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.
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