Without the right cash back credit card, you could be missing out on hundreds, potentially even thousands of dollars every year in cash rewards.
Don't worry though, our experts found these leading options from our trusted partners that offer great reward rates, welcome bonuses, 0% intro offers, and more — all at a low or $0 annual fee.
| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Regular APR | Annual Fee | Financebuzz Rating |
|---|---|---|---|---|---|---|
2025 award winner Best Overall Cash Back Credit Card /images/2024/12/17/wells-fargo-active-cash-12172024.png)
Wells Fargo Active Cash® Card |
2%
Cash rewards
|
$200
Cash rewards
|
Purchases:
0%, 12 months from account opening
Balance Transfer:
0%, 12 months from account opening on qualifying balance transfers
|
19.24%, 24.24%, or 29.24% Variable
|
$0
|
Excellent for high flat-rate cash rewards
5.0
|
|
2025 award winner Best for Dining Out /images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Chase Freedom Unlimited® |
1.5% - 5%
Cash Back
|
$200
Bonus
|
Purchases:
0%, 15 months
Balance Transfer:
0%, 15 months
|
18.99% - 28.49% Variable
|
$0
|
Excellent for cash back on traveling and dining
4.7
|
/images/2025/02/18/capital_one_quicksilver_card_art_-_2-18-25.png)
Capital One Quicksilver Cash Rewards Credit Card |
1.5% - 5%
Cash back
|
$200
Cash bonus
|
Purchases:
0%, 15 months
Balance Transfer:
0%, 15 months
|
19.24% - 29.24% (Variable)
|
$0
|
Excellent for cash back + intro purchase and balance transfer perks
4.5
|
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
Discover it® Cash Back |
1% - 5%
Cash back
|
Cashback Match™
|
Purchases:
0%, 15 months
Balance Transfer:
0%, 15 months
|
18.24% - 27.24% Variable
|
$0
|
Excellent for high-rate cash back categories
4.7
|
/images/2024/12/16/amex_blue_cash_everyday.png)
Blue Cash Everyday® Card from American Express |
1% - 3%
Cash back
|
$200
Statement credit
|
Purchases:
0%, 15 months
Balance Transfer:
0%, 15 months
|
20.24% - 29.24% (variable)
|
$0
|
Excellent for cash back at U.S. gas stations
4.9
|
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Citi Double Cash® Card |
2% - 5%
Cash back
|
$200
|
Purchases:
N/A, N/A
Balance Transfer:
0%, 18 months
|
18.24% - 28.24% (Variable)
|
$0
|
Excellent for high flat-rate cash back rewards
5.0
|
/images/2024/12/16/bofa-customized-cash.png)
Bank of America® Customized Cash Rewards credit card |
1% - 3%
Cash back
|
$200
|
Purchases:
0%, 15 billing cycles
Balance Transfer:
0%, 15 billing cycles for any balance transfers made in the first 60 days
|
18.24% - 28.24% Variable
|
$0
|
Excellent for customized rewards rates
4.4
|
Today's Top Cash Back Credit Cards
2025 award winner Best Overall Cash Back Credit Card
/images/2024/12/17/wells-fargo-active-cash-12172024.png)
Wells Fargo Active Cash® Card
Balance Transfers: 0%, 12 months from account opening on qualifying balance transfers
Why We Like It
Card Details
2025 award winner Best for Dining Out
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Chase Freedom Unlimited®
Balance Transfers: 0%, 15 months
Why We Like It
Card Details
Excellent for cash back + intro purchase and balance transfer perks
/images/2025/02/18/capital_one_quicksilver_card_art_-_2-18-25.png)
Capital One Quicksilver Cash Rewards Credit Card
Balance Transfers: 0%, 15 months; Balance transfer fee applies
Why We Like It
Card Details
Excellent for high-rate cash back categories
/images/2025/01/23/discover_it_cash_back_card_art_gold.png)
Discover it® Cash Back
Balance Transfers: 0%, 15 months
Why We Like It
Card Details
Excellent for high flat-rate cash back rewards
/images/2024/12/16/citi-double-cash.jpg)
Citi Double Cash® Card
Balance Transfers: 0%, 18 months
Why We Like It
Card Details
Excellent for cash back at U.S. gas stations
/images/2024/12/16/amex_blue_cash_everyday.png)
Blue Cash Everyday® Card from American Express
Balance Transfers: 0%, 15 months
Why We Like It
Card Details
Excellent for customized rewards rates
/images/2024/12/16/bofa-customized-cash.png)
Bank of America® Customized Cash Rewards credit card
Balance Transfers: 0%, 15 billing cycles for any balance transfers made in the first 60 days
Why We Like It
Card Details
Bottom Line
The Wells Fargo Active Cash® Card(Rates and fees) is a great choice for almost everyone. Cardholders can benefit from a generous welcome bonus, earn unlimited 2% cash rewards on purchases, and 0% intro APR for 12 months from account opening on qualifying balance transfers and new purchases — all without an annual fee.
- Intro APR: Enjoy a 0% introductory APR on purchases for 12 months from account opening then 19.24%, 24.24%, or 29.24% Variable APR thereafter. You also get a 0% intro APR for 12 months from account opening on qualifying balance transfers then 19.24%, 24.24%, or 29.24% Variable APR thereafter.
- No annual fee: The Active Cash card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
- Welcome bonus: $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Cash rewards: Cardmembers earn unlimited 2% cash rewards on purchases. If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash® Card card could be a good option for you.
- Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. With Wells Fargo Credit Close-Up℠ cardholders own the skills to help understand and track their FICO Score, raise it, or maintain it.
- Cell phone protection: Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
2025 award winner Best Overall Cash Back Credit Card
Benefits
Card Details
- Low spend threshold for its welcome offer — $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Cell phone protection benefit (subject to a $25 deductible)
- Can redeem rewards at an ATM for literal cash
- Apply Now
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
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Intro Offer
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Why we like it
Frequently Asked Questions
Have questions about cash back credit cards? We've answered the most common ones below to help you choose the right card for you.
When you use a cash back credit card, the issuer gives you back rewards as a percentage of what you spend on qualifying purchases. You can usually redeem these rewards for statement credits, and sometimes for other things, like gift cards.
There are different types of cash back credit cards. For example, if you have a flat-rate cash back card that offers 1.5% back on all purchases and you buy a $10 birthday cake, the card issuer will give you 15 cents back.
Certain cash back cards also offer rotating bonus categories, which typically vary from quarter to quarter. One quarter, bonus cashback categories might include eligible online shopping purchases on sites like Amazon, Target, or Walmart. The next quarter, you might earn bonus cash at a wholesale club or home improvement store, or on a streaming subscription. As an added bonus, some issuers will even match the cash back you earn at the end of your first year, up to a certain amount.
The exact rewards structure will vary from card to card, though redemption options may be similar across credit cards. Some typical cashback redemption options include statement credits, direct deposits to your checking account, mailed checks, or credits you can use to purchase gift cards.
There are many categories of cash back cards. Some offer general flat-rate cash back, while others offer rotating categories. In general, here are some of the most common cash back categories:
- U.S. Supermarkets
- Gas Stations
- Restaurants
- Travel
- Rotating categories
Whether cash back or points/miles are better depends on what you value most. Big travel spenders might appreciate rewards that can be traded in for airline tickets, statement credits, and hotel stays. These points may be worth more than cash back depending on how you earn and redeem them.
However, some credit cards offer cashback rewards that can save customers a lot of money annually, which may be more important for you. In the end, it’s up to you to decide which is better for your lifestyle.
If you'd prefer more flexibility, certain cashback rewards cards allow you to use your cash back to book travel. This can give you the best of both worlds if you're on the fence about which type of card to choose.
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including the annual fee, travel benefits, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.