The Best Cashback Credit Cards Right Now

In 2025, cashback credit cards continue to offer valuable rewards for everyday spending. Whether you’re a frequent traveler, a dining enthusiast, or someone who prefers simplicity, there’s a card tailored to your needs. Here’s an in-depth look at some of the top cashback credit cards available this year.

1. Chase Freedom Unlimited® – Best for Everyday Spending

The Chase Freedom Unlimited® offers a straightforward approach to cashback:The Sun+4New York Post+4The US Sun+4

Rewards: 1.5% on all purchases, 3% on dining and drugstore purchases, and 5% on travel booked through Chase Travel.
Sign-Up Bonus: $200 after spending $500 in the first 3 months.
APR: 0% introductory for 15 months on purchases and balance transfers.
Annual Fee: $0.Forbes+3NerdWallet+3The US Sun+3New York Post+3The US Sun+3NerdWallet+3

This card is ideal for those seeking a no-fuss cashback option with added perks for dining and travel. Forbes+1NerdWallet+1

2. Citi® Double Cash Card – Best for Flat-Rate Cashback

The Citi® Double Cash Card stands out for its simple yet rewarding structure:The Scottish Sun+5New York Post+5New York Post+5

Rewards: 2% on all purchases—1% when you buy and an additional 1% when you pay.
Sign-Up Bonus: $200 after spending $1,500 in the first 6 months.
APR: 0% introductory for 18 months on balance transfers.
Annual Fee: $0.New York PostForbes+3NerdWallet+3Forbes+3The US Sun+3Forbes+3New York Post+3

Perfect for those who prefer a consistent cashback rate across all spending categories. Forbes+6NerdWallet+6New York Post+6

3. Discover it® Cash Back – Best for Rotating Categories

The Discover it® Cash Back card offers dynamic rewards:New York Post+3New York Post+3Forbes+3

Rewards: 5% cashback on rotating quarterly categories (activation required), 1% on all other purchases.
Sign-Up Bonus: Unlimited Cashback Match—Discover matches all the cash back you’ve earned at the end of your first year.
APR: 0% introductory for 15 months on purchases and balance transfers.
Annual Fee: $0.NerdWallet+1Forbes+1Forbes+1NerdWallet+1Forbes+2The US Sun+2NerdWallet+2

Ideal for those who can keep track of rotating categories to maximize rewards. The Sun+9Intuit Credit Karma+9NerdWallet+9

4. Capital One Quicksilver Cash Rewards Credit Card – Best for Simplicity

For those who value simplicity, the Capital Ones Quicksilver Cash Rewards Credit Card delivers:NerdWallet+1New York Post+1

Rewards: 1.5% on every purchase, every day.
Sign-Up Bonus: $200 after spending $500 in the first 3 months.
APR: 0% introductory for 15 months on purchases and balance transfers.
Annual Fee: $0.Forbes+2NerdWallet+2The US Sun+2New York Post+4The US Sun+4NerdWallet+4

A great choice for individuals who prefer a flat cashback rate without the need to track categories. NerdWallet

5. U.S. Bank Shopper Cash Rewards® Visa Signature® Card – Best for Retail Shoppers

Retail enthusiasts will appreciate the U.S. Bank Shopper Cash Rewards® Visa Signature® Card:Kiplinger+3NerdWallet+3NerdWallet+3

Rewards: 6% cashback on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, 5.5% on prepaid car and hotel reservations booked directly, 3% on your first $1,500 in eligible purchases each quarter in one everyday category, and 1.5% on all other eligible purchases.
Sign-Up Bonus: $250 after spending $2,000 in eligible purchases within the first 120 days.
APR: 18.74% – 28.74% variable .
Annual Fee: $0 intro for the first year, then $95.Forbes+3NerdWallet+3NerdWallet+3

Tailored for those who frequently shop at specific retailers, offering high cashback rates in selected categories.

6. Bank of America® Customized Cash Rewards Credit Card – Best for Category Flexibility

The Bank of America® Customized Cash Rewards Credit Card offers adaptability:NerdWallet+1New York Post+1

Rewards: 3% cashback in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 2% at grocery stores and wholesale clubs, and 1% on all other purchases.
Sign-Up Bonus: $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days.
APR: 0% introductory for 15 billing cycles on purchases and balance transfers.
Annual Fee: $0.NerdWallet+1NerdWallet+1Intuit Credit Karma+6Forbes+6NerdWallet+6

Ideal for those who want to tailor their cashback categories to match their spending habits. Forbes

7. Amazon Prime Rewards Visa Signature Card – Best for Amazon Shoppers

Amazon Prime members can benefit from the Amazon Prime Rewards Visa Signature Card:New York Post

Rewards: 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on eligible travel purchases with an eligible Prime membership, 2% at restaurants, gas stations, and on local transit and commuting, and 1% on all other purchases.
Sign-Up Bonus: $150 Amazon Gift Card instantly upon approval.
APR: 19.49% – 28.24% variable .
Annual Fee: $0 (must be a Prime member).Intuit Credit Karma+4NerdWallet+4NerdWallet+4

A must-have for Prime members who frequently shop on Amazon and want to earn cashback on their purchases. NerdWallet

8. PayPal Cashback Mastercard® – Best for Online Shoppers

The PayPal Cashback Mastercard® caters to online shoppers:NerdWallet

Rewards: 3% cashback when you check out with PayPal and 1.5% on all other purchases.
Sign-Up Bonus: N/A.
APR: 19.24% – 33.99% variable .
Annual Fee: $0.NerdWallet

Ideal for those who frequently use PayPal for online transactions, offering enhanced cashback rates for such purchases.

9. Fidelity® Rewards Visa Signature® Card – Best for Investors

Investors can leverage the Fidelity® Rewards Visa Signature® Card to boost their portfolios:New York Post+1NerdWallet+1

Rewards: 2% cashback on all purchases, automatically deposited into a Fidelity account.
Sign-Up Bonus: N/A.
APR: 19.24% – 29.24% variable .
Annual Fee: $0.New York PostNerdWallet

A great choice for those looking to invest their cashback rewards for long-term growth. New York Post

10. Blue Cash Everyday® Card from American Express – Best for Grocery Shoppers

The Blue Cash Everyday® Card from American Express is tailored for grocery shoppers:NerdWallet+1New York Post+1

Rewards: 3% cashback at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 3% on U.S. online retail purchases, 3% on U.S. gas stations, and 1% on other purchases.
Sign-Up Bonus: $200 statement credit after spending $2,000 in purchases in the first 6 months.
APR: 0% introductory for 15 months on purchases and balance transfers.
Annual Fee: $0.NerdWallet

Ideal for families or individuals who spend significantly on groceries and gas.

Conclusion

Selecting the right cashback credit card depends on your spending habits and financial goals. Whether you prioritize simplicity, high rewards in specific categories, or the ability to invest your cashback, there’s a card that fits your needs. Always consider factors like annual fees, APR, and rewards structures to ensure you choose the best card for your lifestyle.

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