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22 Best Cashback Credit Cards in 2024 (6% Back on Groceries)

Credit cards used to offer 1% cash back. The new standard is becoming 2% or higher.
Derek Sall
Author: 
Derek Sall
Kacper Kozicki
Editor: 
Kacper Kozicki
Lauren Bedford
Fact Checker: 
Lauren Bedford
21 mins
November 30th, 2023
Advertiser Disclosure

We sifted through nearly one hundred of the top credit cards, studied them, analyzed them, and then graded them based on the annual fee, APR, intro offer, and rewards rate. From this, we landed on the best cashback credit cards below.

Sort by
Capital One Quicksilver Cash Rewards9.6Visitcapitalone.com
$0
19.99% - 29.99% (Variable)
One-time $200 cash bonus
Good–Excellent (690–850)
Chase Freedom Unlimited® Credit Card9.6Visitcreditcards.chase.com
$0
20.49% - 29.24% Variable
SPECIAL OFFER: Unlimited Matched Cash Back
Good to excellent (700–850)
American Express Blue Business Cash Card9.4Visitamericanexpress.com
$0
18.49% - 26.49% Variable
Earn a $250 statement credit
American Express Blue Cash Preferred9.2Visitamericanexpress.com
95
19.24% - 29.99% Variable
Earn a $250 statement credit
Excellent (690–850)
Citi Double Cash Card9.2Visitciti.com
$0
19.24% - 29.24% (Variable)
N/A
Excellent (690–850)
Capital One SavorOne Cash Rewards9.2Visitcapitalone.com
$0
19.99% - 29.99% (Variable)
Earn $50 Cash Back
Fair (630–689)
Citi Premier Card8.8Visitciti.com
Capital One SavorOne Student Cash Rewards Credit Card8.8Visit capitalone.com
$0
19.99%–29.99%
$50
Bad to fair (300–600)
Capital One Venture X Rewards Credit Card8.4Visitcapitalone.com
$395
19.99% - 29.99% (Variable)
Earn 75,000 bonus miles
Excellent (750–850)

Best Cash Back Credit Cards in 2023

We reviewed 90+ credit cards to find the absolute best cash back credit cards for you. What are the best cashback credit cards today? See our top winners below:

Top 10 Cash Back Credit Cards for 2023

  • Blue Cash Preferred® Card from American Express—Highest cash back credit card

  • Citi® Double Cash Card—Best credit card with unlimited cash back

  • Capital One Venture X Rewards Credit Card—Best cash back travel credit card

  • Capital One® SavorOne® Cash Rewards Credit Card—Best cash back credit card for restaurants

  • Blue Cash Preferred® Card from American Express—Best cash back credit cards for groceries

  • Capital One SavorOne Student Cash Rewards Credit Card—best student cash back credit card

  • American Express® Blue Business Cash Card—Best cash back business credit card

  • Chase Freedom Unlimited®—Best cash back card with no annual fee

  • Capital One® Quicksilver® Credit Card—Best flat rate cash back credit card

  • Citi Premier® Card—Best cash back credit card for gas

If you’re interested in reviewing all the top credit cards, check out our recent post: 10+ Best Credit Cards for 2023.

The Highest Cash Back Credit Card—Blue Cash Preferred® Card from American Express

Capital One Quicksilver Cash Rewards

Annual fee: $0

Rewards Rate: 1.5%

Intro Offer: One-time $200 cash bonus

Regular APR: 19.99% - 29.99% (Variable)

Account Basics

DETAIL

METRIC

Regular APR

19.24% - 29.99% Variable

Intro APR

0% on purchases 12 months

Balance transfer rate

0% on balance transfers

Balance transfer intro APR

0% on balance transfers 12 months

Cash advance APR

29.99% Variable

Fees/Restrictions

TYPE

DESCRIPTION

Annual fees

$0 intro annual fee for the first year, then $95.

Balance transfer fees

Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash advance fees

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Foreign transaction fees

2.7% of each transaction after conversion to US dollars.

Late payment fees

Up to $40

Why we like it

The price of groceries skyrocketed when Covid hit—and we’re all still waiting for them to return to earth.

With my family’s $250+ grocery bill each week, we are seriously considering the Blue Cash Preferred® Card from American Express. It has an annual fee—but also an unbelievable 6% cashback reward rate for groceries.

They cap this reward at $6,000 in supermarket spending, but it’s still worth $360—which ismore than enough to cover the annual fee. (Terms apply. See rates & fees.)

Other rewards include:

  • 6% cash back on select streaming subscriptions.

  • 3% cash back at US gas stations and on transit.

  • 1% cash back on other purchases.

What credit card gives the most cash back? For my family and me—this is the one.

  • $0 intro annual fee for the first year, then $95.
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

The Credit Card With Unlimited Cash Back—Citi® Double Cash Card

Citi Double Cash Card9.2Visitciti.com
$0
19.24% - 29.24% (Variable)
N/A
Excellent (690–850)

Account Basics

DETAIL

METRIC

Regular APR

19.24% - 29.24% (Variable)

Intro APR

N/A

Balance transfer rate

0%

Balance transfer intro APR

0% 18 months

Cash advance APR

29.99% (Variable)

Fees/Restrictions

TYPE

DESCRIPTION

Annual fees

$0

Balance transfer fees

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Cash advance fees

5% of each cash advance; $10 minimum

Foreign transaction fees

3%

Late payment fees

Up to $41

Why we like it

The Citi® Double Cash Card was one of the first to offer a 2% cash back reward—1% when you charge a purchase, and the other 1% when you pay the bill. This card is still among the leaders in the cash back space. Rewards accumulate as ThankYou® Points, which you can redeem for:

  • Statement credits

  • Direct deposit

  • Check

  • Gift cards

  • Shop with Points at Amazon

  • Travel

  • and more

  • No annual fee
  • 0% intro APR for 18 months on balance transfers.

The Best Cash Back Travel Credit Card—Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card8.4Visitcapitalone.com
$395
19.99% - 29.99% (Variable)
Earn 75,000 bonus miles
Excellent (750–850)

Account Basics

DETAIL

METRIC

Regular APR

22.24% - 29.24% (Variable)

Intro APR

N/A

Balance transfer rate

N/A

Balance transfer intro APR

N/A

Cash advance APR

29.24% (Variable)

Fees/Restrictions

TYPE

DESCRIPTION

Annual fees

$395

Balance transfer fees

$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Cash advance fees

3% of the amount of the cash advance, but not less than $3

Foreign transaction fees

None

Late payment fees

Up to $40

Why we like it

What’s the best travel credit card with a high rate of cash back travel points? We believe it’s the Capital One Venture X Rewards Card. Sure, it has an annual fee of $395—but when you look through the benefits, you’ll quickly see why it’s well worth the yearly cost (if you travel, that is).

The initial bonus offer is worth a minimum of $750—but even without it, the 10,000 annual bonus points (and the $300 travel credit) will more than pay the annual fee. All you need to do is travel a couple of times a year.

This card also has impressive rewards on your purchases:

  • 10 miles per dollar on hotels and rental cars booked through Capital One Travel.

  • 5 miles per dollar on flights booked through Capital One Travel.

  • 2 miles per dollar on all other purchases.

  • 75,000 bonus miles if you spend $4,000 in the first three months.
  • 10,000 bonus miles every year (starting on your first anniversary).
  • $300 annual travel credits for bookings through Capital One Travel.

The Best Cash Back Credit Card for Restaurants—Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards9.2Visitcapitalone.com
$0
19.99% - 29.99% (Variable)
Earn $50 Cash Back
Fair (630–689)

Account Basics

DETAIL

METRIC

Regular APR

19.99% - 29.99% (Variable)

Intro APR

0% intro on purchases 15 months

Balance transfer rate

0% intro on balance transfers

Balance transfer intro APR

0% intro on balance transfers 15 months

Cash advance APR

29.99% (Variable)

Fees/Restrictions

TYPE

DESCRIPTION

Annual fees

$0

Balance transfer fees

3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR

Cash advance fees

3% of the amount of the cash advance, but not less than $3

Foreign transaction fees

None

Late payment fees

Up to $40

Why we like it

If you’re looking for a quick $200 cash bonus, and an ongoing reward of 3% on dining, entertainment, popular streaming services, and grocery stores—then the Capital One SavorOne Cash Rewards Credit Card is for you.

Spend just $1,000 in the first three months and earn that $200 introductory cash bonus. (That’s one of the lowest spending requirements of all the best money-back credit cards.) If you’re not earning 3% on the specific categories noted above, you’ll still make a minimum of 1% cash back.

  • $0 annual fee.
  • 0% intro on purchases 15 months
  • No foreign transaction fees.

The Best Cash Back Credit Card for Groceries—Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred9.2Visitamericanexpress.com
95
19.24% - 29.99% Variable
Earn a $250 statement credit
Excellent (690–850)

Account Basics

DETAIL

METRIC

Regular APR

19.24% - 29.99% Variable

Intro APR

0% on purchases 12 months

Balance transfer rate

0% on balance transfers

Balance transfer intro APR

0% on balance transfers 12 months

Cash advance APR

29.99% Variable

Fees/Restrictions

TYPE

DESCRIPTION

Annual fees

$0 intro annual fee for the first year, then $95.

Balance transfer fees

Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash advance fees

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Foreign transaction fees

2.7% of each transaction after conversion to US dollars.

Late payment fees

Up to $40

Why we like it

The best cash back card is the Blue Cash Preferred® Card from American Express—the main reason is the 6% cash back reward rate for groceries.

No other competing credit card has gotten close to this reward. Sure, it’s capped at $6,000 in spend—but that’s still worth $360.

Other rewards include:

  • 6% cash back on select US streaming subscriptions.

  • 3% cash back at US gas stations and on transit.

  • 1% cash back on other purchases.

(Terms apply.)

  • $0 intro annual fee for the first year, then $95.
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

The Best Student Cash Back Credit Card—Capital One SavorOne Student Cash Rewards Credit Card

Capital One SavorOne Student Cash Rewards Credit Card8.8Visit capitalone.com
$0
19.99%–29.99%
$50
Bad to fair (300–600)

Account Basics

DETAIL

METRIC

Regular APR

19.99% - 29.99% (Variable)

Intro APR

N/A

Balance transfer rate

N/A

Balance transfer intro APR

N/A

Cash advance APR

29.99% (Variable)

Fees/Restrictions

TYPE

DESCRIPTION

Annual fees

$0

Balance transfer fees

$0 at the Transfer APR, 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Cash advance fees

3% of the amount of the cash advance, but not less than $3

Foreign transaction fees

None

Late payment fees

Up to $40

Why we like it

My first cash back credit card sucked (I won’t tell you which one it was, but let me assure you it’s nowhere on this top list of cash back credit cards). It only offered points on categories where I never spent money. The Capital One SavorOne Student Cash Rewards credit card took the opposite approach.

  • Earn 10% cash back made through Uber and Uber Eats.

  • Earn 3% cash back on dining, entertainment, streaming services, and at grocery stores.

  • And 1% cash back on everything else.

Want an early spend bonus too? Earn $50 Cash Back when you spend $100 in the first three months.

  • $0 annual fee.
  • Earn $50 Cash Back when you spend $100 in the first three months
  • No foreign transaction fees.

Best Cash Back Business Credit Card—American Express Blue Business Cash Card

American Express Blue Business Cash Card9.4Visitamericanexpress.com
$0
18.49% - 26.49% Variable
Earn a $250 statement credit

Account Basics

DETAIL

METRIC

Regular APR

18.49% - 26.49% Variable

Intro APR

0% on purchases 12 months from date of account opening

Balance transfer rate

N/A

Balance transfer intro APR

N/A

Cash advance APR

N/A

Fees/Restrictions

TYPE

DESCRIPTION

Annual fees

$0

Balance transfer fees

N/A

Cash advance fees

N/A

Foreign transaction fees

2.7% of each transaction after conversion to US dollars.

Late payment fees

Up to $39

Why we like it

Have a business? Want 2% back on your purchases? Here you go!

The American Express Blue Business Cash Card has no annual fee—and you get a flat 2% cash back on all purchases up to $50,000 in yearly spending (1% afterward).

Unsure of how to get a business credit card?

Check out our recent post: “How to Get a Business Credit Card: 4 Steps for Small Businesses to Take in 2023”.

  • 0% on purchases 12 months from date of account opening
  • High rewards rate compared to other business credit cards.
  • You can spend beyond your credit limit with Expanded Buying Power.

Read more:

Best Cash Back Card With No Annual Fee—Chase Freedom Unlimited®

Chase Freedom Unlimited® Credit Card9.6Visitcreditcards.chase.com
$0
20.49% - 29.24% Variable
SPECIAL OFFER: Unlimited Matched Cash Back
Good to excellent (700–850)

Account Basics

DETAIL

METRIC

Regular APR

20.49% - 29.24% Variable

Intro APR

0% Intro APR on Purchases 15 months

Balance transfer rate

0% Intro APR on Balance Transfers

Balance transfer intro APR

0% Intro APR on Balance Transfers 15 months

Cash advance APR

29.99% Variable

Fees/Restrictions

TYPE

DESCRIPTION

Annual fees

$0

Balance transfer fees

Either $5 or 5% of the amount of each transfer, whichever is greater.

Cash advance fees

Either $10 or 5% of the amount of each transaction, whichever is greater.

Foreign transaction fees

3% of each transaction in U.S. dollars

Late payment fees

Up to $40

Why we like it

Chase has many appealing credit cards as of late—and Chase Freedom Unlimited® card is the most impressive. There’s no annual fee, and you could earn an extra $300 with the additional 1.5% cash back in the first year (up to $20,000 of spend) on top of the already stunning rewards offering.

  • 0% intro APR for 15 months from account opening.
  • No minimum to redeem for cash back.
  • Cash back rewards don’t expire as long as your account is open.

The Best Flat Rate Cash Back Credit Card—Capital One Quicksilver® Cash Rewards Card

Capital One Quicksilver Cash Rewards9.6Visitcapitalone.com
$0
19.99% - 29.99% (Variable)
One-time $200 cash bonus
Good–Excellent (690–850)

Account Basics

DETAIL

METRIC

Regular APR

19.99% - 29.99% (Variable)

Intro APR

0% intro on purchases 15 months

Balance transfer rate

0% intro on balance transfers

Balance transfer intro APR

0% intro on balance transfers 15 months

Cash advance APR

29.99% (Variable)

Fees/Restrictions

TYPE

DESCRIPTION

Annual fees

$0

Balance transfer fees

3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR

Cash advance fees

3% of the amount of the cash advance, but not less than $3

Foreign transaction fees

None

Late payment fees

Up to $40

Why we like it

You need an excellent credit score to apply, but this is an excellent flat rate cash back credit card at 1.5%. And if traveling is your thing, this is a very good card to have in your pocket. With travel accident insurance and 24-hour travel assistance, you can jet off with peace of mind. Add to that the complimentary concierge service for personalized help wherever you are, and this is a great second credit card after you’ve built up your score.

  • $0 annual fee.
  • 0% intro APR for 15 months.
  • Unlimited 1.5% cash back on every purchase.
  • $200 cash bonus after spending $500 on purchases within 3 months of opening account.

The Best Cash Back Credit Card for Gas—Citi Premier® Card

Citi Premier Card8.8Visitciti.com

Account Basics

DETAIL

METRIC

Regular APR

21.24% - 29.24% Variable

Intro APR

N/A

Balance transfer rate

N/A

Balance transfer intro APR

N/A

Cash advance APR

29.99% (Variable)

Fees/Restrictions

TYPE

DESCRIPTION

Annual fees

$95

Balance transfer fees

Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Cash advance fees

5% of each cash advance; $10 minimum

Foreign transaction fees

0%

Late payment fees

Up to $41

Why we like it

Earn three points per $1 at gas stations, restaurants, supermarkets, air travel, and hotels with the Citi Premier® credit card. Earn one point per $1 on all other purchases.

  • High rewards for gas, food, and travel.
  • Large welcome bonus.

Read more:

Other Notable Cash Back Credit Cards

  • Chase Sapphire Preferred® Card—Best cash back credit card for excellent credit

  • Ink Business Unlimited(SM) Credit Card—Best cash back small business credit card

  • Citi Premier® Card—Best cash bonus credit card

  • Wells Fargo Active Cash® Card—Best 0% APR cash back credit card

  • Capital One® Venture® Rewards Credit Card—Best cash back credit cards with no foreign transaction fee

  • Capital One SavorOne Cash Rewards Credit Card—Best 10% cash back credit card (on Uber and Uber Eats)

  • Blue Cash Preferred® Card from American Express—Best 6% cash back credit card (on groceries and streaming)

  • Chase Freedom Unlimited®—Best 5% cash back credit card (on travel)

  • Capital One SavorOne Cash Rewards Credit Card—Best 4% cash back credit card (on dining and entertainment)

  • Blue Cash Preferred® Card from American Express—Best 3% cash back credit card (on gas)

  • Wells Fargo Active Cash® Card—Best 2% cash back credit card (on everything)

  • Wells Fargo Active Cash® Card—Best $200 cash back credit card (intro bonus offer)

The Best Cash Back Credit Cards

“I can conveniently buy things with a credit card, pay no interest—and earn money for doing it?”

Sounded like a win to me. And just like that—at 22 years old—I got myself a cash back credit card.

  • My first-month rewards: $0.56.

  • Second-month rewards: $0.41.

Um, this wasn’t exactly what I had in mind. It turns out I got the wrong cash back card—it paid great on restaurants and entertainment, which were things I never did, of course.

That card weighed down my wallet for years. I didn’t want to get rid of it because it was helping the length of my credit history—but it earned next to nothing in rewards. Don’t make this same mistake.

Get yourself a cash back credit card—but make it the right one based on how you spend.

Similar articles:

What Is a Cash Back Credit Card?

Discover was the first to introduce the cash back program in 1986. They provided cash to the credit card holder at the end of every year based on the total amount of charges. Not much has changed. If you have a cash back credit card, you spend money—and the credit card company pays you back a percentage of your spending. It’s a simple concept that has taken off like wildfire.

Types of Cash Back Credit Cards

When people hunt for cash back cards, they often search for “free credit card with money.” In other words, they want credit cards with no annual fee but pay back money—either as an introductory offer or as ongoing rewards. But there’s more to it than this. What type of cash rewards credit card is best for you? Flat rate? Tiered? Or maybe rotating categories? Let’s take a look at each type—

Flat rate

Some of the best cash back cards are flat-rate cards, which offer one simple flat cash back percentage. Currently, the top flat-rate credit cards offer a 2% rebate. They include:

  • Wells Fargo Active Cash® Card

  • American Express® Blue Business Cash Card

  • Synchrony Premier World Mastercard®

Tiered

Tiered cash back credit cards offer different rewards based on the spending category. They might offer a high percentage cash back on travel, a medium cashback rate on dining—and then a flat low reward on everything else. The Capital One Venture X Rewards Credit Card is a good example of a tiered cash back card.

It offers:

  • 10 miles per dollar on hotels and rental cars booked through Capital One Travel.

  • 5 miles per dollar on flights booked through Capital One Travel.

  • 2 miles per dollar on all other purchases.

Rotating categories

Other cards have rotating categories for their rewards. One quarter, the card may offer 3% on restaurants. That 3% reward may move to gas purchases in the next quarter. In other words, the high-earning reward category changes from quarter to quarter or month to month. This is my least favorite type of credit card.

Perhaps you can benefit for a couple of quarters because you spend heavily on specific categories—but rarely are these cards beneficial all year round. It’s challenging to track when one spending category is more advantageous than another. (And you’ll find yourself holding off on purchases just because it’s not the right quarter.) I’d rather you choose a credit card that’s best for you all the time—not just some of the time.

Common Cashback Bonus Categories

The common categories that will earn you cash back are:

  • Travel

    • Airline tickets

    • Hotels

    • Rental cars

    • Other transit

    • Parking

  • Groceries

  • Gas

  • Dining

  • Entertainment

  • Popular streaming subscriptions

  • Cell phone plan

How to Compare Cash Back Credit Cards

There are seven main differences that you should watch out for when comparing cash back credit cards:

  • Annual fee

  • Intro APR

  • Regular APR

  • Rewards rate

    • How much is it?

    • What spend earns the largest reward?

  • Intro offer

  • Transfer rate

  • Foreign transaction fee

First, understand which criteria are the most important to you. Then line up the cards and their features—and choose the one that benefits you most.

Comparing cash back credit cards: an example

Let’s say you rarely travel out of state—and you don’t like to go out and spend money on entertainment. But you do often visit your sister that lives 150 miles away. The primary spend that you could earn cash back on is gas—find out which cards offer a gas reward. Here are some of the top ones:

  • Capital One SavorOne Cash Rewards Credit Card—no annual fee, 3% back on gas purchases.

  • Blue Cash Preferred® Card from American Express—$95 annual fee, 3% back on gas purchases.

  • Citi Premier® Card—$95 annual fee, 3x points on gas.

You can immediately rule out the Blue Cash Preferred® card, since all the cash back rates are 3%—and this is the only one with an annual fee.

That leaves the Capital One® card and the Citi Premier® card. Which is best?

  • The Capital One® SavorOne card offers a one-time $200 if you spend $500 in the first three months.

  • With the Citi Premier Card: Earn 60,000 bonus ThankYou® Points

The offers are basically the same—but the Capital One® SavorOne card one-time bonus is easier to get, and there's no annual fee—so this would be the long-term winner (and soon to be your best credit card for cash back).

What’s the Difference Between Cash Back and Travel Cards?

A cash back credit card offers points, miles, or credits for your purchases. These can be redeemed for gift cards, statement credits, a check, or products through the credit card’s website. A travel card is a type of cash back credit card—but you’ll earn greater rewards when you use it on travel-related purchases (like airline tickets, car rentals, hotels, other forms of transit, and even parking).

Pros and Cons of Using a Cash Back Card

As with anything, there are good and bad things about cash back credit cards.

Pros
  • They often have low or no annual fees.
  • They’re easy to use and often simple to understand.
  • You’ll earn money back on purchases you make every day (on groceries, gas, restaurants, and travel).
Cons
  • They often have a higher APR.
  • The introductory bonus is usually smaller vs. other types of cards.
  • You may be prone to spend more when you’re earning rewards.

How to Make the Most of Your Cash Back Card

First, find the card that will earn you the most points on your day-to-day spending.

  • If you love to travel—find the best travel rewards card you can find.

  • If you have a big family and spend a ton of money on gas and groceries—find the card that rewards you most for that.

Second, never carry a balance on your credit card . Getting cash back is great—but if you spend more on fees and interest than the reward you’re getting from your card—you’re better off just using cash or a debit card. Third, use your card to get the most out of it. Case in point: I’ve had a Capital One Venture card for years—and I never knew I could earn 5x miles on travel if I booked my hotel stays through their portal. (The prices are usually lower too. Oops).

Best Banks to Get a Credit Card

The top banks for getting credit cards are:

  • American Express

  • Capital One

  • Citi

They have a variety of excellent cash back rewards cards where they offer introductory bonuses and fantastic ongoing rewards.

How to Get a Cash Back Credit Card

How do you get a cash back credit card? Since the supply of cash back credit cards is so vast, issuers have made it really easy to apply and get the one you want. So how do you get your hands on one?

  1. Be sure your credit score is within the recommended range for the card.

  2. Get pre-approved.

  3. Continue with the application process.

Most card companies can get you approved instantly—and send you a card in just a couple of weeks. Your application may take a little longer to process if your score isn’t within the desired range (or if any other red flags pop up).

What Is The Best Credit Card With Cash Back?

You’re looking for the best credit cards with cash back. You might be wondering, “Is there a holy grail of credit cards?” or, “Is there this one perfect card everyone wants?” Nope.

We all spend our money differently—which means the desired rewards for Billy, the family man, are totally different than for Bob, the traveling businessman. (One wants some cash back on his astronomical grocery bill. The other wants to travel-hack his way to Jamaica.)

The best cash back credit card is the one that earns you the most money back. Take your time to discover which card this is—then jump on it and start earning more money today!

Methodology

How did we find the best cash back rewards credit cards? What methods did we use? We started by scouring the top cards all over the internet. We read what people were saying, looked up all the stats on each card—and then graded them by the following categories:

  • Annual fee

  • Regular APR

  • Introductory bonus

  • Low-end of the cash back rewards

  • High-side of the cash back rewards

We graded over 90 credit cards. No credit card received a perfect score of five with our methodology. A select few earned a score of 4.5 or better.

Note:

Life And My Finances has partnered with CardRatings for our coverage of credit card products. Life And My Finances and CardRatings may receive a commission from card issuers.

For rates and fees of the American Express Blue Business Cash™ Card, please see the table of rates & fees.

For rates and fees of the Blue Cash Preferred® Card from American Express, please see the table of rates & fees.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Frequently Asked Questions

What are double cash back credit cards?

Sources

See all

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Contributors

Derek Sall
Derek has a Bachelor's degree in Finance and a Master's in Business. As a finance manager in the corporate world, he regularly identified and solved problems at the C-suite level. Today, Derek isn't interested in helping big companies. Instead, he's helping individuals win financially — one email, one article, one person at a time.
Kacper Kozicki
Kacper is an editor, writer, and multilingual translator with expertise in producing tailored content for global online brands.
Lauren Bedford
Fact Checker
Lauren Bedford
Lauren is a published content writer and journalist. In the last five years, she has written about a range of subjects, including business, technology, and finance. She was born in June 1994 in the UK, but relocated to Barcelona five years ago. Initially covering topics like business and technology, Lauren is now dedicated to her position as a personal finance journalist and is always keen to keep learning and evolve as a finance writer.
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