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 are the simplest way to earn rewards — no points to transfer, no portals to navigate, just money back on your spending. We've ranked the best options from flat-rate everyday cards to category specialists, all based on earning rates and overall value.
Earn $200 after $500 in 3 months
5% on rotating quarterly categories, 5% on Chase Travel, 3% on dining and drugstores, and 1% on everything else. Plus a $200 signup bonus after just $500 in spending. The most versatile cash back card available.
Earn $200 after $500 in 3 months
A simple 2% cash back on every purchase with no annual fee. The $200 signup bonus after $500 spend makes it an easy win. One of the best "set it and forget it" cards.
Earn $200 after $1,500 in 6 months
2% on everything — 1% when you buy, 1% when you pay. A $200 bonus after $1,500 in 6 months. Also earns Citi ThankYou points that can be transferred to airline partners if you pair it with a Citi premium card.
Earn $200 after $500 in 3 months
1.5% on everything plus 3% on dining and drugstores, 5% on Chase Travel. The $200 signup bonus is easy to earn. Pairs perfectly with a Sapphire card for point transfers.
Earn $200 after $500 in 3 months
3% on dining, groceries, entertainment, and streaming with no annual fee. The $200 signup bonus after $500 is one of the easiest to earn. A great all-in-one card for everyday spending.
5% on rotating quarterly categories and 1% on everything else. Discover matches all cash back earned in your first year — effectively doubling your rewards to 10% and 2%.
Earn $200 after $2,000 in 6 months
3% at U.S. supermarkets (up to $6,000/year), 3% on gas, and 3% on online shopping. A strong grocery-focused card with a $200 signup bonus.
5% back on your top spending category each billing cycle (up to $500/month) — automatically adjusting between dining, gas, groceries, transit, streaming, and more. No annual fee.
5% back at Amazon, Whole Foods, and Chase Travel for Prime members. 2% on dining and gas, 1% on everything else. No annual fee beyond your Prime membership.
A straightforward 1.5% cash back on everything with no annual fee. No rotating categories or spending caps to worry about — just reliable flat-rate earnings.
Earn $500 after $5,000 in 3 months
2% cash back on every purchase with no category restrictions. The $500 signup bonus after $5,000 in 3 months is one of the highest flat cash bonuses available.
Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
3x points on dining, travel, gas, transit, and streaming with no annual fee. While technically a points card, rewards redeem at 1 cent each — making it effectively a multi-category 3% cash back card.
Earn $100 after $500 in 3 months
4% on select categories you choose and 2% on everyday spending. A newer Wells Fargo card with a customizable rewards structure and $100 signup bonus.