Best Cash Back Rewards Credit Cards

Top Picks & Cash Back Calculator
Get our top picks for best cash back credit cards and calculate which cards can earn you the most cash back based on your spend.
Last Updated 2022-08-17 By R.Flowers III

The best cash back credit cards are the ones that earn you the most cash back based on how you spend your money. Review our picks for the best cash back credit cards and calculate which credit cards will earn you the most back.

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Best For Earning High Cash Back

The Blue Cash Preferred® Card from American Express is one of the best credit cards on the market when it comes to earning high rates of cash back.

The card earns 6% cash back on the first $6,000 in annual spend at U.S. supermarkets (then 1%), 6% back on select U.S. streaming subscriptions, 3% back on transit and U.S. gas station purchases, and 1% back on everything else.

This card is best if you spend more than $270 per month across the U.S. supermarket and U.S. streaming service categories. If you plan on spending less than that per month, you may want to consider the Blue Cash Everyday® Card from American Express.

Intro Bonus: Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Best For Automatically Maximizing Back

The Citi Custom Cashâ„  Card is top-notch if you're looking to earn a high amount of cash back in a single category.

The card earns 5% cash back on the eligible you spend the most in during each billing cycle on up to $500 (then 1%). Eligible categories include: restaurants, gas stations, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

If you're able to dedicate this card to a single eligible category and hit the 5% cap every cycle, you'll sweep up an easy $300 in cash back every year which is great for a card with no annual fee.

On top of that, cash back earned with the Citi Custom Cash℠ Card can be converted to ThankYou Rewards Points that can be transferred to Citi's airline partners (such as JetBlue Airways) if you own the Citi Premier® Card or Citi Prestige® Card.

You can also pair the Citi Custom Cash℠ Card with the Citi® Double Cash Card. Use the Citi Custom Cash℠ Card to earn 5% back on your eligible category and use the Citi® Double Cash Card to earn 2% back on all other purchases. It makes for a fantastic money-making combo.

Intro Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Best For Flat-Rate Cash Back & Bonus Cash Back

The Chase Freedom Unlimited® is one of the best cash back credit cards for earning bonus cash back across select categories while still earning a great flat rate of cash back across all other spend.

It earns 5% back on Chase Travel, 3% back on dining at restaurants and drugstores, and 1.5% back on all other purchases which is great considering it has no annual fee.

The card earns Ultimate Rewards Points that can be redeemed for 1 cent each towards cash back. If you pair this card with the Chase Sapphire Reserve® or Chase Sapphire Preferred® Card, you'll be able to transfer your earned rewards to Chase's airline and hotel partners as well as redeem rewards for a higher value of 1.25 or 1.5 cents towards Chase Travel.

Intro Bonus: Earn an additional 1.5% cash back on everything you buy, up to $20,000 spent during the first year. That's up to $300 cash back.

Best For High Earnings On Rotating Categories

The Chase Freedom Flexâ„  features categories that rotate quarterly.

You'll earn 5% cash back on up to $1,500 in combined spend between the categories featured during the quarter, then 1% for the remainder of that quarter after the cap has been hit. This means that you can earn $75 if you hit the cap.

The card also earns 5% back on Chase Travel, 3% back at restaurants and drugstores, and 1% back on everything else.

As with other Chase cash back credit cards, rewards are displayed as Ultimate Rewards Points. These points can be redeemed for 1 cent each for cash back.

Pairing this card with the Chase Sapphire Reserve® or Chase Sapphire Preferred® Card will greatly increase the value of your rewards as you'll be able to redeem them for 1.25 or 1.5 cents towards Chase Travel or transfer them to airline and hotel partners such as United, Hyatt, and Southwest.

Intro Bonus: Earn $200 cash back after you spend $500 on the card within the first 3 months from account opening.

Best No-Annual Fee Card For Supermarket, Gas, and Online Retail

The Blue Cash Everyday® Card from American Express is a great option if you don't spend as much at supermarkets to make the Blue Cash Preferred® Card worth it, but still want to maximize your spending.

It earns 3% cash back on up to $6,000 in U.S. supermarket purchases per year (then 1%), 3% back on up to $6,000 in U.S. online retail purchases per year (then 1%), and 3% back on up to $6,000 in U.S. gas station purchases per year (then 1%). All other purchases on the card earn 1% back.

If you're looking at supermarket spend alone, the Blue Cash Everyday® Card is the best option if you spend less than $270 per month or around $3,240 per year. If you spend more than that at U.S. supermarkets, you'll want to consider the Blue Cash Preferred® Card as you'll earn a better return even with the annual fee.

Intro Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Best No-Annual Fee 2% Back Card

The Citi® Double Cash Card is a simple and straightforward cash back credit card with no annual fee.

It earns cash back at a flat rate of 2% back in which you'll earn 1% back on your purchases and 1% back when you pay off those purchases.

Cash back earned with the card can be converted to ThankYou Rewards Points which can be transferred to Citi's airline partners if you own the Citi Premier® Card or Citi Premier® Card. This significantly increases the value of the rewards earned with the Citi® Double Cash Card.

You can also pair this card with the Citi Custom Cashâ„  Card to create and excellent combination of cash back credit cards which will ensure that you're always earning either 2% or 5% back on your purchases.

Intro Bonus: For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

Home Projects & Large Purchases

The Upgrade Triple Cash Rewards Visa Card is a great option if you want to earn cash back across high-spend categories and need access to a large credit line.

It earns 3% cash back on home, auto, and health purchases and 1% back on everything else. Here's some examples of what applies to these categories:

  • Home: appliance stores, landscaping, home repairs, home improvement stores, hardware stores, and furniture stores
  • Auto: car washes, auto repairs, auto part stores, car dealership purchases, and towing services
  • Health: gym memberships, gym equipment purchased directly from vendor, sporting good stores, pharmacies, doctor offices, health and beauty services, and spas

These categories are very broad and typically feature large purchases which makes it very easy to earn significant amounts of cash back, especially when used for things like home projects, medical bills or emergency car repairs.

When using the Upgrade Triple Cash Rewards Visa Card, it can be used as a credit card or a personal loan.

When used as a credit card, you'll earn cash back on your purchases and any balance carried beyond the due date will be converted to an installment loan at a fixed interest rate with equal monthly installments over a set period.

When used as a personal loan, you can request funds be sent directly to your bank account from your card's credit limit. You'll be able to pay it back in the equal monthly installments at a fixed interest rate.

Overall it's a great card to have with no annual fee, no authorized user fee, and no foreign transaction fee. The card is opened to anyone with a FICO score of 600 or higher which makes it great for building credit as well.

Intro Bonus: Get a $200 bonus when you open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening.

Best For Customized Rewards Categories

Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards credit card gives you the option to choose your own eligible 3% cash back category and customize your cash back.

Eligible 3% categories include gas stations, online shopping, dining, travel, drug stores, and home improvement/furnishings. You'll also earn an automatic 2% back on grocery store and wholesale club purchases.

The 3% back category of your choice and automatic 2% categories share a combined cap of $2,500 per quarter. If you want to maximize your cash back, I suggest using the card for as much of the 3% category as possible.

Another big plus to banking with Bank of America is that you can earn a 10% to 75% bonus based on your relationship with them and how much money you have invested with them and their partners. This allows you to earn up to 5.25% on your selected category, 3.75% on grocery store and wholesale club purchases, and 1.75% back on everything else.

It's worth mentioning that this bonus also applies to several other credit cards they offer. If you have money to sit in an account, Bank of America's credit cards will easily offer more value than most credit cards in the market.

Intro Bonus: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Best For Earning Cash Back Worldwide

The Capital One Quicksilver Cash Rewards Credit Card is one of the most popular cash back credit cards because it's a straightforward no-annual fee card that earns easy to redeem rewards.

It earns an unlimited 1.5% cash back on all purchases and has no annual fee, no authorized user fee, and no foreign transaction fee. This means you can add as many authorized users as you want and you can use the card worldwide without worrying about additional fees.

Cash back earned with the Capital One Quicksilver Cash Rewards Credit Card can easily be redeemed for cash back, statement credits, and gift cards.

Intro Bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Best For Dining & Entertainment

The Capital One SavorOne Cash Rewards Credit Card is one of the best credit cards for raking up cash back across popular everyday categories.

It earns 3% back on dining, entertainment, popular streaming services, and at grocery stores and 1% back on everything else. There's no cap on how much cash back you can earn spending across these categories.

Along with having no annual fee, the card also has no foreign transaction fee which makes this a great card for earning across these categories internationally.

Pair this card with the Capital One Quicksilver Cash Rewards Credit Card and you'll have yourself a nice 2-card cash back combo.

Intro Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Best Cash Back Credit Cards Summary

Best Cash Back Credit Cards
Credit Card Annual Fee Best For
Blue Cash Preferred® Card from American Express $0 intro annual fee for the first year, then $95 Earning High Cash Back
Citi Custom Cashâ„  Card $0 Automatically Maximizing Back
Chase Freedom Unlimited® $0 Flat-Rate Cash Back & Bonus Cash Back
Chase Freedom Flexâ„  $0 High Earnings On Rotating Categories
Blue Cash Everyday® Card from American Express $0 Supermarket, Gas, and Online Retail at No Annual Fee
Citi® Double Cash Card $0 2% Back With No Annual Fee
Upgrade Triple Cash Visa Card $0 Home Projects & Large Purchases
Bank of America® Customized Cash Rewards credit card $0 Customized Rewards Categories
Capital One Quicksilver Cash Rewards Credit Card $0 Earning Cash Back Worldwide
Capital One SavorOne Cash Rewards Credit Card $0 Dining & Entertainment

Cash Back Credit Card Rewards Calculator

Use the Cash Back Credit Card Rewards Calculator to find out which cards will earn you the most cash back based on the spend amounts you enter into the tool.

Results will consist of top-rated cash back credit cards from our partners. They will be sorted by net return which is total cash back earned, plus annual credits, and minus annual fees.

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These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

You can click on the estimated earnings to see the calculations or click on the card to learn more and apply for the card through our partners.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.