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 credit cards provide a straightforward way to earn rewards on everyday purchases. Our rankings showcase the best cards based on lucrative signup bonuses, competitive earning rates, and overall value, helping you maximize your cash back rewards.
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 |
2 | $0 | $200 | 3% Dining | 1.5% | 0% for 15mo | |
31 | $0 | $200 | 2% Everything Else | 2% | 0% BT for 18mo | |
41 | $0 | $200 | 5% Top Spend Category | 1% | 0% for 15mo | |
5 | $0 | $200 | 2% Everything Else | 2% | 0% for 12mo | |
6 | $0 | $200 | 3% Groceries | 1% | 0% for 15mo | |
7 | $0 | - | 5% Rotating Categories | 1% | 0% for 15mo | |
8 | $0 | $200 | 1.5% Everything Else | 1.5% | 0% for 15mo | |
9 | $0 | 20,000 points (~$200) | 3x Dining | 1x | 0% for 12mo | |
10 | $0 | $150 | 5% Amazon.com | 1% | - | |
11 | $0 | $100 | 4% Gyms/Fitness Centers | 1% | 0% for 12mo | |
12 | $39 | - | 3% Dining | 1% | 0% for 12mo | |
13 | $0 | $500 | 2% Everything Else | 2% | 0% for 12mo |
Earn $200 after $500 in 3 months
Earn a $200 cash bonus after spending $500 in the first 3 months. Enjoy 5% cash back on rotating categories like gas stations and EV charging, and 3% on dining and drugstores.
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Earn $200 after $500 in 3 months
Receive a $200 cash bonus after spending $500 in the first 3 months. Earn 5% cash back on travel purchased through the Chase Travel portal and 3% on dining and drugstores.
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Earn $200 after $1,500 in 6 months
Get a $200 cash bonus after spending $1,500 in the first 6 months. Earn 2% cash back on all purchases, 1% when you buy and 1% when you pay.
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Earn $200 after $1,500 in 6 months
Earn a $200 cash bonus after spending $1,500 in the first 6 months. Get 5% cash back on your top eligible spend category each billing cycle, up to $500, and 1% on everything else.
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Earn $200 after $500 in 3 months
Receive a $200 cash bonus after spending $500 in the first 3 months. Earn 2% cash back on all purchases with no limits.
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Earn $200 after $2,000 in 6 months
Get a $200 cash bonus after spending $2,000 in the first 6 months. Earn 3% cash back at U.S. supermarkets, gas stations, and online retail purchases, on up to $6,000 per year.
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0% intro APR for 15 months on purchases & balance transfers
Earn 5% cash back on rotating categories each quarter, up to $1,500, and 1% on all other purchases. Activation is required each quarter.
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Earn $200 after $500 in 3 months
Receive a $200 cash bonus after spending $500 in the first 3 months. Earn 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% on everything else.
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Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
Earn 20,000 points (equivalent to $200 cash back) after spending $1,000 in the first 3 months. Get 3 points per dollar on dining, travel, gas, transit, streaming, and phone plans.
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Earn $150 after $0 in 0 months
Receive a $150 cash bonus with no spending requirement. Earn 5% cash back on Amazon and Whole Foods purchases for Prime members, and 2% on dining and gas.
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Earn $100 after $500 in 3 months
Get a $100 cash bonus after spending $500 in the first 3 months. Earn 4% cash back on select categories like gyms, entertainment, and streaming.
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0% intro APR for 12 months on purchases & balance transfers
Earn 3% cash back on dining, entertainment, streaming, and groceries, with a $39 annual fee. Enjoy a 0% intro APR for 12 months on purchases.
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Earn $500 after $5,000 in 3 months
Receive a $500 cash bonus after spending $5,000 in the first 3 months. Earn 2% cash back on all purchases.
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