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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.

Name Product Welcome Offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
Finder Rating: 4.3 / 5: ★★★★★
Blue Cash Preferred® Card from American Express
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 other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Capital One Quicksilver Cash Rewards Credit Card
Finder Rating: 4.2 / 5: ★★★★★
Capital One Quicksilver Cash Rewards Credit Card
Earn unlimited 1.5% cash back on every purchase, every day
$0
0% intro for the first 15 months (then 14.99% to 24.99% variable)
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Blue Cash Everyday® Card from American Express
Finder Rating: 4.6 / 5: ★★★★★
Blue Cash Everyday® Card from American Express
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
$0
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Capital One SavorOne Cash Rewards Credit Card
Finder Rating: 4.5 / 5: ★★★★★
Capital One SavorOne Cash Rewards Credit Card
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
$0
0% intro for the first 15 months (then 14.99% to 24.99% variable)
3% cash back on dining, entertainment, streaming services and grocery stores (excluding superstores like Walmart and Target), plus 1% on all other purchases. 8% cash back at Vivid Seats through January 2023
Chase Freedom Unlimited®
Finder Rating: 4.7 / 5: ★★★★★
Chase Freedom Unlimited®
3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 5% on travel purchased through Chase Ultimate Rewards®, Unlimited 1.5% cash back on all other purchases
$0
0% intro for the first 15 months (then 14.99% to 23.74% variable)
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Compare up to 4 providers

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 ★★★★★

Apply now
on American Express's secure site
Terms apply, see rates & fees
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.

Chase Freedom Unlimited®

Finder rating 4.7 / 5 ★★★★★

See offer
on Creditcards.com's secure site
Terms apply, see rates & fees
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.

Chase Freedom Flex℠

Finder rating 4.7 / 5 ★★★★★

See offer
on Creditcards.com's secure site
Terms apply, see rates & fees
The Chase Freedom Flex℠ 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.

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.

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.

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.

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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