Best Cash Back Credit Cards
The top cash back credit cards ranked by earning rates, bonus categories, and signup offers — all with no annual fee unless noted.
Cash back cards offer the simplest way to earn rewards, direct cash with no points to transfer or portals to navigate. We've ranked the best options based on signup bonus value, ongoing earning rates, and whether rewards justify any annual fee.
Consensus ranking, combined Borda-count vote of 3 models.
Quick Comparison
| # | Card | Annual Fee | Signup Bonus | Top Category | Base Rate | Intro APR |
|---|---|---|---|---|---|---|
1 |  Chase Freedom FlexBest Overall | $0 | $200 | 5% Rotating Categories | 1% | 0% for 15mo |
21 | $0 | $200 | 3% Dining | 1.5% | 0% for 15mo | |
31 | $0 | - | 5% Rotating Categories | 1% | 0% for 15mo | |
4 | $0 | $200 | 2% Everything Else | 2% | 0% for 12mo | |
5 | $0 | $200 | 2% Everything Else | 2% | 0% BT for 18mo | |
6 | $0 | $200 | 5% Top Spend Category | 1% | 0% for 15mo | |
7 | $0 | $200 | 3% Groceries | 1% | 0% for 15mo | |
8 | $0 | 20,000 points (~$200) | 3x Dining | 1x | 0% for 12mo | |
9 |  Amazon Prime Rewards Visa SignatureBest for Amazon Shoppers | $0 | $150 | 5% Amazon.com | 1% | - |
103 | $0 | $200 | 1.5% Everything Else | 1.5% | 0% for 15mo | |
111 | $0 | $100 | 4% Gyms/Fitness Centers | 1% | 0% for 12mo | |
12 | $0 | $500 | 2% Everything Else | 2% | 0% for 12mo | |
132 | $39 | - | 3% Dining | 1% | 0% for 12mo |
Earn $200 after $500 in 3 months
Earn 5% cash back on rotating categories and 5% on travel portal bookings, plus 3% on dining and drugstores. Get a $200 signup bonus with just $500 spend in 3 months, with no annual fee.
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Earn $200 after $500 in 3 months
Earn 5% cash back on travel portal bookings, 3% on dining and drugstores, and 1.5% on everything else. Get a $200 signup bonus with $500 spend in 3 months.
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0% intro APR for 15 months on purchases & balance transfers
Earn 5% cash back on rotating categories and 1% on everything else, with 15-month intro 0% APR on purchases. No signup bonus, but no annual fee either.
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Earn $200 after $500 in 3 months
Earn a flat 2% cash back on all purchases with a $200 signup bonus ($500 spend, 3 months). No annual fee and 12-month intro 0% APR on purchases and balance transfers.
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Earn $200 after $1,500 in 6 months
Earn 5% cash back on travel portal bookings and 2% on all other purchases. Get a $200 signup bonus with $1,500 spend over 6 months.
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Earn $200 after $1,500 in 6 months
Earn 5% cash back on your top spending category (up to $500/month), 4 points per dollar on hotels and rental cars through the portal, and 1% on everything else. $200 signup bonus requires $1,500 spend in 6 months.
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Earn $200 after $2,000 in 6 months
Earn 3% cash back on groceries, gas, and online shopping, plus 1% on everything else. Get a $200 signup bonus with $2,000 spend over 6 months.
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Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
Earn 3 points per dollar on dining, travel, gas, transit, and streaming, plus 1 point per dollar on everything else. Get a 20,000-point signup bonus with just $1,000 spend in 3 months.
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Earn $150 after $0 in 0 months
Earn 5% cash back at Amazon and Whole Foods, 2% on dining, gas, and transit, and 1% on everything else. Get a $200 signup bonus with no spending requirement.
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Earn $200 after $500 in 3 months
Earn $100 after $500 in 3 months
Earn 4% cash back on fitness, entertainment, streaming, pet supplies, gardening, transit, EV charging, and secondhand stores, plus 1% on everything else. Get a $100 signup bonus with $500 spend in 3 months.
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Earn $500 after $5,000 in 3 months
Earn a flat 2% cash back on all business purchases. Get a $500 signup bonus with $5,000 spend in 3 months, no annual fee.
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0% intro APR for 12 months on purchases & balance transfers