What are the best cashback cards for excellent credit?
Depending on which card you choose, you could earn accelerated cash back on groceries, gas, travel or dining. And in most cases you won’t pay an annual fee.
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Best cash back credit cards for excellent credit
Put your high credit score to use with these cards.
Compare cashback credit cards
With an excellent credit score, your credit card choices are nearly limitless. To find the right one, consider where you spend the most, how much you value welcome offers and whether or not you need an intro APR period.
When choosing our top picks for cashback cards for excellent credit, we looked at a number of card features across available cards, including welcome offer value, cashback reward categories, cashback per dollar spent, annual fee, intro 0% APRs and other factors a consumer might consider in a cashback card. The cards with exemplary performance in one or several of these areas or that fulfilled a certain niche earned a spot on our highlights.
What’s changed in 2022?
The Fidelity® Rewards Visa Signature® Card was a strong contender for the unlimited cash back on all purchases category. It offers the same cashback rate as the Citi Double Cash, plus it comes with more redemption options for your earnings. However, the Double Cash remains a top pick due to its long intro APR period.
Blue Cash Preferred® Card from American Express
Finder rating 4.3 / 5 ★★★★★
Families that spend at least $100 per week on groceries will find the Blue Cash Preferred® Card from American Express to be a valuable addition to their wallets. The card lets you earn the highest cashback rate at US supermarkets, plus you get a decent cash back rate at US gas stations. The new earning categories of streaming services and transit purchases only sweeten the deal. You can also earn a welcome offer — and if you're looking to make a large purchase and pay it off without interest, an intro APR period is available.
Terms apply to American Express benefits and offers.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
| Welcome Offer | $300 |
|---|---|
| Rewards | 6% cash back |
| Annual Fee | $95 ongoing |
| Minimum Credit Score | 670 |
Chase Freedom Unlimited®
Finder rating 4.7 / 5 ★★★★★
Looking for a flat cashback card with opportunities for accelerated earning? The updated Chase Freedom Unlimited® does just that. You'll earn the flat cash back the card always offered as well as accelerated earning in travel through the Chase Travel Portal, dining and drugstores.
| Welcome Offer | $300 |
|---|---|
| Rewards | 5% cash back |
| Annual Fee | $0 |
| Minimum Credit Score | 670 |
Chase Freedom Flexâ„
Finder rating 4.7 / 5 ★★★★★
The Chase Freedom Flexâ„ is the category alternative to the Freedom Unlimited and a new update for the old Chase Freedom. You can earn on the same rotating categories as before and also dip into accelerated earning in travel through the Chase Travel Portal, dining and drugstores.
| Welcome Offer | $200 |
|---|---|
| Rewards | 5% cash back |
| Annual Fee | $0 |
| Minimum Credit Score | 670 |
Citi® Double Cash Card
Finder rating 3.8 / 5 ★★★★★
The Citi® Double Cash Card can be a great choice if you don’t spend much on any particular category. On every purchase you make, you earn flat cash back. Plus, you get one of the longest intro APR periods on balance transfers, which can be ideal if you’re looking to consolidate your debt.
| Welcome Offer | n/a |
|---|---|
| Rewards | 2% cash back |
| Annual Fee | $0 |
| Minimum Credit Score | 670 |
Citi Rewards+® Card
Finder rating 4.1 / 5 ★★★★★
The Citi Rewards+® Card is an excellent choice for regular everyday spending thanks to it's rounding feature. No matter how much you spend, Citi will round your point earnings to the nearest 10. Combine this with a solid signup bonus and the ability to earn back points upon redemption and you have a strong supplementary cashback card.
| Welcome Offer | 20,000 points |
|---|---|
| Rewards | 2x points |
| Annual Fee | $0 |
| Minimum Credit Score | 670 |
Capital One Savor Cash Rewards Credit Card
Finder rating 4.4 / 5 ★★★★★
If you often dine out and go to live events, the Capital One Savor Cash Rewards Credit Card might be for you. You get one of the highest cashback rates on these categories, a solid signup bonus and no foreign transaction fees for purchases made abroad or online at foreign retailers.
| Welcome Offer | $300 |
|---|---|
| Rewards | 8% cash back |
| Annual Fee | $95 |
| Minimum Credit Score | 670 |
How do I choose the best cashback credit card for excellent credit?
To choose the best cashback credit card for your situation, consider the following:
- Do you spend a lot on a particular category? For groceries and gas, the Blue Cash Preferred® Card from American Express could be the right choice. The Capital One Savor Cash Rewards Credit Card might suit you best if you make frequent dining and entertainment purchases.
- Do you spend fairly evenly across categories? Consider the flat-rate Citi® Double Cash Card.
What are the alternatives to cashback credit cards for excellent credit?
Excellent credit gives you access to almost any credit card you want. As an alternative to cashback cards, you can consider:
- Points cards. Some credit cards earn points on your purchases instead of cash back. This can sometimes be a better option if you prefer to redeem your points for a variety of rewards including travel, merchandise, gift cards and cash back.
- Travel cards. A number of travel credit cards let you earn accelerated points on everyday purchases like groceries, gas and dining. The cool thing about these cards is that you can redeem your points for cash as well as travel. And in this case, redeeming points for travel is often the more valuable option.
Bottom line
With excellent credit, the doors to almost any credit card are wide open and cashback cards are just one type of the top cards for strong credit. Depending on your spending habits and needs, your choices include flat cash back on all purchases, accelerated earning on groceries and gas, a card ideal for travel and dining or a card with rotating categories and a generous welcome offer.
But if you don’t like any of these cards, check out our list of the best credit cards for cash back to compare your options.
Frequently asked questions
Is there a minimum to redeem cash back?
Some cards have no redemption minimum, while others have minimum of $25 or more.
Which of these cards have no annual fee?
Both of these cards have no annual fee.
Which of these cards is best for balance transfers?
The Citi® Double Cash Card offers a 0% intro APR period on balance transfers for 18 months following your account opening. After that, a variable APR of 13.99% to 23.99% applies.
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