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 your everyday purchases. Our rankings showcase the best options based on lucrative signup bonuses, high 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 | $250 | 5% Rotating Categories | 1% | 0% for 15mo |
2 |  Chase Freedom UnlimitedBest No-Fee | $0 | $200 | 3% Dining | 1.5% | 0% for 15mo |
3 |  Citi Double CashBest Value | $0 | $200 | 2% Everything Else | 2% | 0% BT for 18mo |
41 | $0 | $200 | 5% Top Spend Category | 1% | 0% for 15mo | |
51 | $0 | $200 | 3% Groceries | 1% | 0% for 15mo | |
62 | $0 | $200 | 1.5% Everything Else | 1.5% | 0% for 15mo | |
73 |  Wells Fargo Active CashBest for Beginners | $0 | $100 | 2% Everything Else | 2% | 0% for 12mo |
81 | $0 | - | 5% Rotating Categories | 1% | 0% for 15mo | |
91 | $0 | $150 | 5% Amazon.com | 1% | - | |
101 | $0 | $100 | 4% Gyms/Fitness Centers | 1% | 0% for 12mo | |
112 | $0 | 20,000 points (~$200) | 3x Dining | 1x | 0% for 12mo | |
121 | $39 | - | 3% Dining | 1% | 0% for 12mo | |
131 | $0 | $500 | 2% Everything Else | 2% | 0% for 12mo |
Earn $250 after $500 in 3 months
Earn a $250 cash bonus after spending $500 in the first 3 months. Enjoy 5% cash back on rotating categories like gas stations and EV charging, plus 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% on travel purchases 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 an additional 1% when you pay.
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Earn $200 after $1,500 in 6 months
Receive a $200 cash bonus after spending $1,500 in the first 6 months. Earn 5% cash back on your top eligible spend category each billing cycle, up to $500, then 1% on other purchases.
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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 on up to $6,000 per year, then 1%.
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Earn $200 after $500 in 3 months
Earn a $200 cash bonus after spending $500 in the first 3 months. Enjoy 1.5% cash back on all purchases with no annual fee.
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Earn $100 after $500 in 3 months
Earn a $100 cash bonus after spending $500 in the first 3 months. Enjoy 2% cash back on all purchases with no annual fee.
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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 $150 after $0 in 0 months
Receive a $150 cash bonus with no spend requirement. Earn 5% cash back on Amazon and Whole Foods Market purchases for Prime members.
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Earn $100 after $500 in 3 months
Earn a $100 cash bonus after spending $500 in the first 3 months. Earn 4% cash back on select categories like gyms and streaming services.
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Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
Earn 20,000 points after spending $1,000 in the first 3 months. Earn 3 points per dollar on dining, travel, gas, transit, streaming, and phone plans.
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0% intro APR for 12 months on purchases & balance transfers
Earn a $200 cash bonus after spending $500 in the first 3 months. Enjoy 3% cash back on dining, entertainment, and groceries.
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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 with no annual fee.
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