Cash Kings: 5 Best Cash Back Credit Cards
We review a lot of credit cards here at Moola!, and while we prefer reward cards with transferable points, they’re not for everyone. If you’re interested in simple cash back earning to make more of your everyday expenses, you’re at the right place. We’ve made the process of finding and comparing cash back cards easier for you by gathering the best cash back credit cards available on the market.
Why did we pick the cards shown here? It’s simple. These credit cards have the best earning rates, sign-up bonuses, 0% intro APRs, extra incentives, and come from reputable issuers. Whether you’re a seasoned rewards enthusiast or just dipping your toes in, there’s a rewards card here for everyone.
Best Cash Back Credit Cards
Blue Cash Preferred® from American Express
rank: 3.5
✦ BEST FOR GROCERY & STREAMING ✦
Our top pick! Effortlessly transform your routine spending into tangible benefits with the high rates offered on this card. When your expenses include essentials like Grocery, Streaming, Gas, and Transit—the Blue Cash Preferred Card is a top choice to help you maximize your savings through statement credit.
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🎉 Welcome Bonus 🎉
Get $250 cash back after spending $3,000 on purchases in the first 6 months from account opening (statement credit).
0% intro APR on purchases and balance transfers for 12 months from the date of account opening.
Earning Cash Back Rewards
Earn 6%
cash back per dollar on U.S. Supermarkets (up to $6,000 per year, 1% thereafter).
Earn 6%
cash back per dollar on Select U.S. Streaming subscriptions.
Earn 3%
cash back per dollar on U.S. Gas Stations
Earn 3%
cash back per dollar on Transit (includes Taxis, Rideshare, Parking, Tolls, Trains, Buses and more).
Earn 1% cash back per dollar on Everything Else.
Redeeming Cash Back Rewards
- Redeem Reward Dollars as a statement credit or on Amazon.
Additional Incentives
- $84 Disney Bundle Credit. Get a $7 monthly statement credit on Disney Bundle or any other monthly subscriptions or add-ons purchased through Disney+, Hulu, or ESPN+.
- Rotating shopping deals with Amex Offers, where you can get cash back in the form of statement credit on related purchases.
Annual Fee: $0 intro annual fee for the first year, then $95.
Terms apply. Offers subject to change. Refer to card issuer for full details.
Chase Freedom Flex
rank: 3.5
✦ BEST FOR ROTATING CATEGORIES ✦
The Chase Freedom Flex helps you maximize rewards with 5% back on quarterly rotating bonus categories, along with great returns on essential categories like Dining and Drugstores. You can combine with premium Chase Sapphire card to convert cash back to Ultimate Rewards for increased redemption value.
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🎉 Welcome Bonus 🎉
Get a $200 bonus after spending $500 on purchases in the first 3 months from account opening (statement credit).
5% cash back on Gas and Grocery for the 1st year.
0% intro APR on purchases and balance transfers for 15 months from the date of account opening.
Earning Cash Back Rewards
Earn 5%
cash back per dollar on Quarterly Bonus Categories like Gas, Grocery, and Select Online Merchants (up to $1,500 in combined purchases per quarter).
Earn 3%
cash back per dollar on Dining (includes Takeout and eligible Delivery services).
Earn 3%
cash back per dollar on Drugstores.
Earn 1%
cash back per dollar on Everything Else.
Redeeming Cash Back Rewards
- Redeem Cash Back as a statement credit.
- Redeem Cash Back for Gift Cards or on Amazon.
- Redeem Cash Back through Chase Ultimate Rewards for travel.
- Convert to Chase Ultimate Rewards if you have a Chase Sapphire Preferred or Reserve card to get even more value and redemption options.
Additional Incentives
- 5% Cash Back on Lyft rides through March 31, 2025.
- Complimentary 3-month DashPass membership, which includes $0 delivery and reduced service fees on DoorDash.
- Complimentary 3-month Instacart+ membership, plus $10 per quarter in statement credits on Instacart purchases.
Annual Fee: $0
Terms apply. Offers subject to change. Refer to card issuer for full details.
Chase Freedom Unlimited
rank: 3.5
✦ BEST FOR DINING & DRUGSTORES ✦
This straightforward earner from Chase gets you unlimited 1.5% cash back rate on your spending, and an elevated rate on Dining and Drugstores. You can combine with premium Chase Sapphire card to convert cash back to Ultimate Rewards for increased redemption value.
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🎉 Welcome Bonus 🎉
Get a $200 bonus after spending $500 on purchases in the first 3 months from account opening (statement credit).
5% cash back on Gas and Grocery for the 1st year.
0% intro APR on purchases and balance transfers for 15 months from the date of account opening.
Earning Cash Back Rewards
Earn 3%
cash back per dollar on Dining (includes Takeout and eligible Delivery services).
Earn 3%
cash back per dollar on Drugstores.
Earn 1.5%
cash back per dollar on Everything Else.
Redeeming Cash Back Rewards
- Redeem Cash Back as a statement credit.
- Redeem Cash Back for Gift Cards or on Amazon.
- Redeem Cash Back through Chase Ultimate Rewards for travel.
- Convert to Chase Ultimate Rewards if you have a Chase Sapphire Preferred or Reserve card to get even more value and redemption options.
ADDITIONAL INCENTIVES
- 5% Cash Back on Lyft rides through March 31, 2025.
- Complimentary 3-month DashPass membership, which includes $0 delivery and reduced service fees on DoorDash.
- Complimentary 3-month Instacart+ membership, plus $10 per quarter in statement credits on Instacart purchases.
Annual Fee: $0
Terms apply. Offers subject to change. Refer to card issuer for full details.
Blue Cash Everyday® from American Express
rank: 3.5
✦ BEST FOR ONLINE RETAIL & GAS ✦
The Blue Cash Everyday is your gateway to earning cash back rewards without much hassle. Easy to remember elevated categories earn rates on common expenses, which includes a unique 3% back on Online Retail purchases. So, if you make a lot of purchases online, this one could be a no-brainer.
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🎉 Welcome Bonus 🎉
Get a $200 bonus after spending $2,000 on purchases in the first 6 months from account opening (statement credit).
0% intro APR on purchases and balance transfers for 15 months from the date of account opening.
Earning Cash Back Rewards
Earn 3%
cash back per dollar on Groceries (up to $6,000 per year, 1% thereafter).
Earn 3%
cash back per dollar on U.S. Online Retail (up to $6,000 per year, 1% thereafter).
Earn 3%
cash back per dollar on U.S. Gas Stations (up to $6,000 per year, 1% thereafter).
Earn 1%
cash back per dollar on Everything Else.
Redeeming Cash Back Rewards
- Redeem Reward Dollars as a statement credit or on Amazon.
ADDITIONAL INCENTIVES
- $84 Disney Bundle Credit. Get a $7 monthly statement credit on Disney Bundle or any other monthly subscriptions or add-ons purchased through Disney+, Hulu, or ESPN+.
- Rotating shopping deals with Amex Offers, where you can get cash back in the form of statement credit on related purchases.
Annual Fee: $0
Terms apply. Offers subject to change. Refer to card issuer for full details.
Citi Double Cash
rank: 3.0
✦ BEST FOR SIMPLE RATE ✦
Remember one thing = Double. If simplicity is your goal while maximizing the cash back on your purchases, this card gives you an easy to remember 2% back on every purchase. And no limit on how much flat-rate cash back you can earn. It’s also a great catch-all card to pair with a card that earns higher rates in categories that matter to you.
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🎉 Welcome Bonus 🎉
Get a $200 bonus after spending $1,500 on purchases in the first 6 months from account opening (statement credit).
0% intro APR on purchases and balance transfers for 18 months from the date of account opening.
Earning Cash Back Rewards
Earn 2%
cash back per dollar on Every Purchase in the form of ThankYou® Points.
Earn 1% when you buy, and 1% when you pay. No category restrictions, no limit to cash back you can earn.
Redeeming Cash Back Rewards
- Redeem your points as a statement credit, direct deposit, or check.
- Redeem your points for gift cards, travel and Shop with Points at Amazon.
Annual Fee: $0
Terms apply. Offers subject to change. Refer to card issuer for full details.
Other Contenders
Bank of America® Premium Rewards®
rank: 3.0
Get up 2.62% cash back on all purchases when you have other qualifying Bank of America accounts.
Apply now
U.S. Bank Cash+®
rank: 3.0
Earns an impressive 5% cash back on two categories you choose, plus 2% on Dining, Gas, or Grocery.
Apply now
Which is the Best Cash Back Card for you?
With these top 5 best credit cards for cash back, you can maximize the rewards on your everyday spending with flexibility and simplicity. Take a moment to consider your spending habits and priorities, and choose the rewards card that aligns best with your needs. Whether your expenses include Groceries, Dining, Gas, Transit, or general purchases–there’s a card here that can help you make the most of every swipe, and put some money back in your pocket.
Frequently Asked Questions
What is a cash back credit card?
A cash back credit card is a type of credit card that offers users a percentage of their spending back in the form of cash back rewards. This reward can usually be redeemed in various ways such as a statement credit or direct deposit.
How do I choose the best cash back credit card for me?
When selecting the best cash back credit card for your needs, consider factors like the cash back rate, annual fees, bonus offers, and redemption options. Cards with higher cash back rates and flexible redemption choices are often preferred.
What are the pros and cons of cash back credit cards?
One of the main advantages of cash back credit cards is the ability to earn cash back on all purchases. However, some cons include potential limitations on rewards and higher interest rates compared to other rewards cards.
How does a flat-rate cash back card work?
A flat-rate cash back card offers a consistent cash back rate on all transactions, regardless of the spending category. This simplicity makes it easier to track and maximize cash back rewards.
Can a cash back credit card affect my credit score?
Generally, using a credit card responsibly and earning credit card rewards should have a positive impact on your credit score. However, missing payments or carrying a high balance could hurt your score.
What are some common ways to redeem cash back rewards?
Most cash back credit cards reward in the form of a statement credit, while some cards may offer the option to redeem gift cards, shop with points, or direct deposit your cash back.
These are our recommendations but it isn’t financial advice. We may receive a commission if you click through any of the links in this article.
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