Best Cash Back Credit Cards
The highest-earning cash back cards — flat-rate, tiered, and rotating category options for every spending style.
Annual fee
Reward type
14 cards
#1
Capital One Savor
No FeeCash Back
3x Dining
- 3x Dining
- 3x Entertainment
- 3x Streaming
- 3x Groceries
- 8x Capital One Entertainment
- 5x Hotels/Cars via C1
- 1x everything else
Click to see redemption options
$200 after $500 in 3 months
#2
Chase Freedom Flex
No FeeCash Back
5x Travel via Chase
- 5x Travel via Chase
- 5x Rotating categories (up to $1,500/qtr)
- 3x Dining
- 3x Drugstores
- 1x everything else
Click to see redemption options
$200 after $500 in 3 months
#3
Discover It Cash Back
No FeeCash Back
5x Rotating categories (up to $1,500/qtr)
- 5x Rotating categories (up to $1,500/qtr)
- 1x everything else
Click to see redemption options
Cashback Match at end of year 1
#4
Prime Visa
No FeeCash Back
5x Amazon & Whole Foods (Prime members)
- 5x Amazon & Whole Foods (Prime members)
- 3x Amazon & Whole Foods (non-Prime)
- 2x Restaurants
- 2x Gas
- 2x Transit
- 1x everything else
Click to see redemption options
$100 gift card on approval
#5
Costco Anywhere Visa
No FeeCash Back
4x Gas (5x Costco Gas)
- 4x Gas (5x Costco Gas)
- 4x EV Charging
- 3x Restaurants
- 3x Travel
- 2x Costco
- 1x everything else
Click to see redemption options
Requires an active Costco membership to hold this card — Gold Star ($65/yr) or Executive ($130/yr).
#6
Chase Freedom Unlimited
No FeeCash Back
5x Travel via Chase
- 5x Travel via Chase
- 3x Dining
- 3x Drugstores
- 1.5x everything else
Click to see redemption options
$200 after $500 in 3 months
#7
Blue Cash Everyday
No FeeCash Back
3x US Online Retail (up to $6k/yr)
- 3x US Online Retail (up to $6k/yr)
- 3x US Supermarkets (up to $6k/yr)
- 3x US Gas
- 1x everything else
Click to see redemption options
$250 after $2,000 in 6 months
#8
Apple Card
No FeeCash Back
3x Select merchants
- 3x Select merchants
- 2x Apple Pay
- 1x everything else
Click to see redemption options
#9
PayPal Cashback Mastercard
No FeeCash Back
3x PayPal checkout
- 3x PayPal checkout
- 1.5x everything else
Click to see redemption options
#10
Citi Double Cash
No FeeCash Back
2x on all purchases (1x when you buy + 1x when you pay)
Click to see redemption options
#11
Discover It Secured
No FeeCash Back
2x Gas
- 2x Gas
- 2x Restaurants
- 1x everything else
Click to see redemption options
Cashback Match + security deposit required
#12
Discover It Chrome Gas & Restaurant
No FeeCash Back
2x Gas (up to $1k/qtr)
- 2x Gas (up to $1k/qtr)
- 2x Restaurants (up to $1k/qtr)
- 1x everything else
Click to see redemption options
Cashback Match at end of year 1
#13
Chase Freedom Rise
No FeeCash Back
1.5x on all purchases
Click to see redemption options
#14
Discover It Miles
No FeeCash Back
1.5x Miles on all purchases
Click to see redemption options
Miles Match at end of year 1
Not sure which one fits you?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) assume the relevant category is active. Terms and reward rates are subject to change at each issuer's discretion.