Want to get more from your everyday spending? Best Cashback Credit Cards USA 2025 are a great way to earn rewards while you shop. Whether you’re buying groceries, paying for gas, or shopping online, picking the best credit card for cashback can help you save lots of money every year.
In this article, we will suggest the best cashback credit cards in the USA, compare their rewards, and help you choose the right card for how you spend.
What is a Cashback Credit Card?
A cashback credit card is a type of card that gives you back a small part of the money you spend. This is called “cashback”. You can usually get this cashback as a credit on your card bills, a deposit into your bank account, or even a check. Most credit cards offers:
- Flat-rate cashback, in which you earn the same cashback on everything you buy, like 1.5% or 2%.
- Tiered cashback, in which you get different cashback rates for different things. For example, 3% on groceries, 2% on gas, and 1% on everything else.
- Rotating category cashback, in which you earn higher cashback, like 5% on certain items that change every few months like restaurants or online shopping.
To pick the best credit cards for you, you need to think about where and how you usually spend your money.
Best Cashback Credit Cards USA 2025
1. Chase Freedom Unlimited®
This card is great if you spend a little bit on everything like groceries, eating out, medicine, and travel. It gives you higher cashback rates in useful areas. plus , with no annual fee and an extra 1.5% cash back in your first year. It’s a smart choice to start earning rewards right away.
Key Features:
- Best known for everyday spending and flexible rewards
- Cashback rate of 5% on travel booked through Chase Ultimate Rewards®, 3% on dining in restaurants and drugstores, and 1.5% on everything else.
- It provides a welcome offer by earning an extra 1.5% on all purchases up to $20,000 spent in the first year.
- Annual fee is $0.
2. Citi® Double Cash Card
If you don’t want to remember categories or keep track of spending types, this card is simple. You earn 2% cashback on everything, no limits, no confusion. It is perfect for people who want to earn steady rewards without any effort. And the welcome offer is a nice bonus.
Key Features:
- It is best card for flat-rate cashback
- It provides a cashback rate of 2% on all purchases, 1% when you buy and 1% when you pay off.
- It has a nice welcome offer of $200 cashback after spending $1,500 in the first 6 months.
- Annual fee is $0.
3. Blue Cash Preferred® Card from American Express
If you spend a lot on groceries, streaming, and commuting, this card can save you a lot of money. The 6% cashback at supermarkets is one of the best in the market. Even with a yearly fee, which is free in the first year, the rewards can easily overcome it for families or busy professionals. The welcome offer adds extra value too.
Key Features:
- This card is best for grocery shoppers and commuters, who travel regularly between their home and workplace.
- It has a cashback rate of 6% in the U.S. supermarket, 6% on select U.S. streaming services, 3% on transportation and U.S. gas stations, and 1% on everything else.
- This card has a welcome offer of earning a $250 statement credit card after spending $3,000 in the first 6 months.
- You have to pay $95 every year, but you don’t have to pay it in the first year.
4. Discover it® Cash Back
This card is best if you’re someone who can plan your spending. You can earn 5% cashback on different categories each quarter like groceries or online shopping, which really adds up over time and the first-year cashback match can double your total rewards.
Key Features:
- This card is best for rotating category rewards
- It has a cashback rate of 5% on categories that change every 3 months like amazon, grocery stores, restaurants up to $1,500 per quarter and 1% on everything else.
- Annual fee is $0.
- Discover will double the cashback you earn in your first year, no limit on how much.
5. Wells Fargo Active Cash® Card
Just like Citi Double Cash, this card is great if you want simple and reliable rewards. Every time you swipe your card, you get 2% cashback with no categories, no tracking. The welcome offer is easy to get with just $500 spending, and also there is no annual fee.
Key Features:
- This card is best for consistent 2% cashback on all purchases.
- It has a welcome offer of $200 cash rewards after spending $500 in the first 3 months.
- Annual fee is $0.
Key Factors to Consider When Choosing a Cashback Credit Card
1. Spending Categories
Think about where you spend the most money. If you spend a lot on groceries, gas, or eating out, then always choose a cashback credit card that gives more rewards in those areas.
For example: The Blue Cash Preferred Card gives great rewards for grocery shopping.
2. Flat-Rate vs. Tiered vs. Rotating Categories
- Flat-rate cards: Cards like Citi Double Cash or Wells Fargo Active Cash give the same cashback on everything. These are good if you want something easy to use.
- Tiered cards: these cards give more cashback in certain categories like dining or gas, but less in others.
- Rotating category cards: They change their top cashback categories every few months. You can earn more, but you need to keep track and activate them each quarter.
3. Sign-up Bonuses
Many cashback credit cards give bonus money when you first sign up. You might get $150 to $300 after spending a certain amount in the first few months. Just make sure you can meet the spending requirements.
4. Annual Fees
Some cards with high cashback offer better rewards but charge a yearly fee. Make sure the rewards you earn are worth more than the fee you pay.
5. Redemption Options
Not all cashback credit cards let you use your cashback the same way. Some only give statement credit , while others let you choose options like bank deposits, gift cards, or travel.
How to Maximize Cashback Rewards
- By using the right card for each purchase, you can maximize the cashback rewards. For example, use the Blue Cash Preferred card when you buy groceries, and use the Citi Double Cash card for everything else.
- Pay off your balance in full every month, this way you won’t pay interest charges, which can cancel out the cashback rewards.
- Keep track of bonus categories if you use a rotating credit card, check which categories are offering more cashback each quarter.
- Use multiple cards smartly to earn more cashback on different types of spending.
Conclusion
There is no single best option for everyone. The ideal cashback credit card for you depends on how you live, your budget, and what you usually spend money on.
To get the basic idea about the best credit cards for cashback in USA, lets conclude it with the help of a table:
| Card | Best For | Cashback Rate | Annual Fee |
| Chase Freedom Unlimited | Everyday use | Up to 5 | $0 |
| Citi Double Cash | Simple flat-rate rewards | 2% | $0 |
| Blue Cash Preferred | Groceries & transport | Up to 6% | $95 (free for 1st year) |
| Discover it | Changing categories | Up to 5% | $0 |
| Wells Fargo Active Cash | Straightforward rewards | 2% | $0 |
No matter what you choose, make sure the card matches how you spend money. This way, you can maximize rewards and minimize costs.
FAQs
Do cashback credit cards hurt your credit score?
Nit if you use them the right way. If you pay on time, cashback credit cards can actually help your credit score go up.
Are cashback rewards taxable?
Most of the time, cashback rewards are not taxable because they are seen as a discount on what you spend. But in rare cases, special bonus offers might be taxable.
Can I have multiple cashback credit cards?
Yes! A lot of people use more than one cashback credit card to earn more rewards in different spending categories.
What credit score do I need for a cashback credit card?
To get most top cashback credit cards, you usually need a good credit score around 670 or higher.
What’s better: cashback or travel rewards?
Cashback is simple and easy to use. Travel rewards can give more value, but only if you travel often and know how to use the point well.