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Best Cash Back Credit Cards

Top Picks & Cash Back Calculator
Find the best cash back rewards credit cards with our calculator! Input your spending habits and see which cards will earn you the most rewards.
By Robert Flowers III - 2023-12-30
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The best cash back credit cards are the ones that earn you the most cash back based on how you spend your money.

Here's our top picks for best cash back rewards credit cards:

Get Matched With The Best Credit Cards.

Quickly find the perfect credit card tailored to your unique spending habits and financial needs.

Input your monthly and yearly spend amounts into our calculator tool and be on your way to earning more rewards today!


Blue Cash Preferred® Card from American Express

Best For Earning High Cash Back
  • Earning Rate: Earn 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.
  • Intro Bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • Annual Fee: $95. (See Rates and Fees)
  • Summary: This is one of the top cash back credit cards for supermarket purchases and the uncapped 3% back you receive from transit and U.S. gas stations purchases is the icing on the cake. Looking at supermarket purchases alone, this card is the better option over it's no-annual fee counterpart if you spend more than $270 per month.

Capital One SavorOne Cash Rewards Credit Card

Best For Dining & Entertainment
  • Earning Rate: Earns an unlimited 3% back on dining, entertainment, popular streaming services, and at grocery stores and 1% back on everything else.
  • Main Highlights: Uncapped bonus categories and no foreign transaction fee.
  • Intro Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
  • Annual Fee: $0.
  • Summary: No cap on the 3% categories makes this the best cash back credit card for heavy spenders. If you spend $1,000 or more per month across these categories combined (specifically dining and grocery), you will not get any better than the SavorOne outside of maybe the annual fee version. Avoid the 1% cash back on everything else by pairing it with the Quicksilver to earn 1.5% back instead. Also, no foreign transaction fee makes this just as good as the Quicksilver for international purchases.

Blue Cash Everyday® Card from American Express

Best No-Annual Fee Card For Supermarket, Gas, and Online Retail
  • Earning Rate: 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.
  • Intro Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Annual Fee: $0. (See Rates and Fees)
  • Summary: You're looking a no-annual fee credit card that offers 3 great bonus categories with the possibility to earn up to $180 back in each category when you hit the cap. This adds up to a total of $540 in cash back annually. No cash back card can compete with this unless you're spending over $700 per month in each category.

Citi Custom Cashâ„  Card

Best For Automatically Maximizing Cash Back
Citi Custom Cashâ„  Card
  • Earning Rate: Earn 5% cash back on the eligible you spend the most in during each billing cycle on up to $500 (then 1%) and 1% cash back on all other purchases.
  • Rewards Structure: Cash back earned with this card is displayed as ThankYou Rewards points which can be redeemed for cash back.
  • Annual Fee: $0.
  • Summary: Pick up this card for the one eligible category you spend close to $500 per month in for an easy $300 in cash back annually. Pair it with the Citi® Double Cash Card to earn 2% back on all other purchases.

Citi® Double Cash Card

Best No-Annual Fee 2% Back Card
Citi® Double Cash Card
  • Earning Rate: Earn 2% cash back on all purchases — that's 1% cash back on your purchases and 1% cash back when you pay off those purchases.
  • Rewards Structure: Cash back earned with this card is displayed as ThankYou Rewards points which can be redeemed for cash back.
  • Main Highlights: Points earned with the card can be redeemed for higher value towards travel if you have the Citi Premier® Card.
  • Annual Fee: $0.
  • Summary: Earning an uncapped 2% back at no-annual fee makes this one of the best cash back credit cards in the market. It pairs well with the Citi Custom Cash Card for 5% back on one eligible category. If you're big on travel, pairing it with the Citi Premier Card will allow you to transfer rewards to all of Citi's airline and hotel partners.

Upgrade Triple Cash Visa Card

Home Projects & Large Purchases
  • Earning Rate: Earn 3% cash back on home, auto, and health purchases and 1% back on everything else.
  • Main Highlights: Large credit line, opened to FICO score of 600 or higher, and also doubles as a personal loan.
  • Intro Bonus: Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.
  • Annual Fee: $0.
  • Summary: The 3% back 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. Any balances not paid by the due date will be converted to an installment loan at a fixed interest rate with equal monthly installments over a set period. You can also treat it like a loan and request funds from your card's credit limit.

Capital One Quicksilver Cash Rewards Credit Card

Best For Earning Flat-Rate Cash Back Worldwide
  • Earning Rate: Earn 1.5% cash back on all purchases.
  • Main Highlights: No foreign transaction fee.
  • Intro Bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
  • Annual Fee: $0.
  • Summary: It's a flat-rate 1.5% cash back credit card that has no annual fee, no foreign transaction fee, and is on the Mastercard network (which means it's pretty much accepted worldwide). It's a simple, standard credit card, but it is super reliable which is why I take it with me anytime I travel out of the country. It just works.

Bank of America® Customized Cash Rewards credit card

Best For Customized Rewards Categories
Bank of America® Customized Cash Rewards credit card
  • Earning Rate: Earn 3% cash back on one eligible category of your choice, an automatic 2% back on grocery store and wholesale club purchases, and 1% back on all other purchases. You'll earn at the bonus rates (3% and 2%) on up to $2,500 in combined purchases quarterly, then 1% the remainder of the quarter.
  • Main Highlights: Ability to earn up to 75% bonus cash back if you're a Bank of America Preferred client.
  • Annual Fee: $0.
  • Summary: The selling point for this card is the 25% to 75% bonus you'll receive if you're a Bank of America Preferred client. This is based on the combined account balances between Bank of America and their partners. The lowest tier requires $25K and the highest tier that matters requires $100K. If you can meet those requirements, Bank of America credit cards will outshine most credit cards available, cash back and travel.

Cash Back Calculator: Which Card Is Best For You?

Use the Cash Back credit card calculator to determine 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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Calculator Options
What Type of Rewards Do You Want To Earn?
This calculator can output the best credit cards for a general rewards type or compile a list of the best credit cards for earning rewards with a specific loyalty program.
Frequent Flyer Programs
Select the frequent flyer program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected airline and all credit cards partners that allow you to transfer rewards to the selected airline.
Hotel Loyalty Programs
Select the hotel loyalty program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected hotel program and all credit cards partners that allow you to transfer rewards to the selected hotel program.
Other Loyalty Programs
Select the program that you want to earn rewards for. Results will include all credit cards offered by the selected program and all credit cards partners that allow you to transfer rewards to the selected program.
Personal Or Business?
Are you looking for personal (consumer) credit card or business credit cards? You can also include both in the results.
Include Intro Bonuses?
If set to yes, intro bonuses will be included for a card's calculation ONLY IF you have met the monthly spend criteria based on what's entered into the tool.
Do note that we do not have intro bonuses for all credit cards and we cannot calculate intro bonuses for some cards due to the complexity of some spend requirements.
Enter Your Monthly & Yearly Spend Amounts
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Deletes all categories in the Category Spending section so you can start fresh.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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Spend Region:
About Spend Region: Some credit cards feature categories that only earn rewards when spending in a certain region. Changing this category to Domestic or International spend will calculate such for those cards, otherwise it's assumed by Default.

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Results

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.