The Best Cash Back Credit Cards of 2025 – Find Your Perfect Match

Last updated Oct. 15, 2025 | By FinanceBuzz Editors

Stop settling for the same old perks when the right credit card could get you so much more. Whether you're looking to crush your monthly expenses with cash back or stack points for your next big getaway, these top picks for 2025 from our partners are designed to put more value in your wallet – and maybe even surprise you with a few perks you didn't know you could get.


Today's Top Cash Back Credit Cards


Financebuzz awards badge
2025 award winner Best Overall Cash Back Credit Card
5.0
info

on Wells Fargo’s website

Welcome Bonus
$200 info
Cash rewards
Rewards Rate
2% info
Cash rewards
Annual Fee
$0
Why We Like It
  • Flat-rate unlimited cash rewards on eligible purchases

  • Intro APR offers on purchases and qualifying balance transfers to help avoid interest

  • Redemption perks for eligible Wells Fargo accounts, including loan or mortgage credits or cash via an ATM

on Wells Fargo’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details
BENEFITS AT THE GAS STATION

Earn unlimited 2% cash rewards on purchases with this card, including on gas!

» Apply now for the Wells Fargo Active Cash® Card

Excellent for high flat-rate cash back rewards
5.0
info

on Citi’s website

Welcome Bonus
$200 info
Rewards Rate
2% - 5% info
Cash back
Annual Fee
$0
Why We Like It
  • Simple unlimited cash back rewards on every purchase with no annual fee

  • Lengthy intro APR offer on balance transfers, great for tackling high-interest debt

  • Includes access to Citi Entertainment, which offers exclusive presales to thousands of events

on Citi’s website

Recommended Credit info
Good to Excellent (670 - 850)
Card Details
BENEFITS AT THE GAS STATION

Use this card to earn up to 2% on everything — including gas purchases!

» Apply now for the Citi Double Cash® Card(Rates and fees)

Excellent for cash back
4.5
info

on U.S. Bank’s website

Welcome Bonus
N/A
Rewards Rate
2% info
Cash Back
Annual Fee
$0
Why We Like It
  • One of the highest reward rates around.

  • Intro APR on purchases and balance transfers.

  • $0 annual fee.

on U.S. Bank’s website

Recommended Credit info
Good to Excellent (670 - 850)
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 18.99%, 23.99%, or 28.99% Variable APR thereafter. You also get a 0% intro APR for 12 months from account opening on qualifying balance transfers then 18.99%, 23.99%, or 28.99% 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).

Recommended Credit Score info
Good
670-739
Excellent
740-850


» Click here to apply now and pay no interest into 2026

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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. 18.99%, 23.99%, or 28.99% 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.
Wells Fargo Active <span class='whitespace-nowrap'>Cash<sup>®</sup></span> Card
5.0
info
Apply Now

on Wells Fargo’s secure website

Read Card Review

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.

How do cash back credit cards work?

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.

What types of cash back rewards can I receive?

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.

Which categories are eligible for cash back?

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
Is it better to get cash back or rewards?

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.