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
Card type
Card network
16 cards
#1
Capital One Savor
No FeeCash Back
1x everything else
- 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
1x everything else
- 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
1x everything else
- 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
1x everything else
- 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
AAA Daily Advantage Visa Signature
No FeeCash Back
5% Grocery Stores
- 5% Grocery Stores
- 3% Gas Stations & EV Charging
- 3% Wholesale Clubs (incl. Costco)
- 3% Streaming Services
- 3% Pharmacies
- 3% AAA Purchases
- 1% All Other Purchases
Click to see redemption options
$100 statement credit after spending $1,000 in the first 90 days.
#6
AAA Travel Advantage Visa Signature
No FeeCash Back
5% Gas Stations & EV Charging (up to $7,000/yr, then 1%)
- 5% Gas Stations & EV Charging (up to $7,000/yr, then 1%)
- 3x Flights
- 3x Hotels
- 3x Dining
- 3x Grocery Stores
- 3x Other Travel Purchases
- 3x AAA Purchases
Click to see redemption options
$100 statement credit after spending $1,000 in the first 90 days.
#7
Costco Anywhere Visa
No FeeCash Back
1x everything else
- 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).
#8
Chase Freedom Unlimited
No FeeCash Back
1.5x everything else
- 5x Travel via Chase
- 3x Dining
- 3x Drugstores
- 1.5x everything else
Click to see redemption options
$200 after $500 in 3 months
#9
Blue Cash Everyday
No FeeCash Back
1x everything else
- 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
$200 after $2,000 in 6 months
#10
Apple Card
No FeeCash Back
1x everything else
- 3x Select merchants
- 2x Apple Pay
- 1x everything else
Click to see redemption options
#11
PayPal Cashback Mastercard
No FeeCash Back
1.5x everything else
- 3x PayPal checkout
- 1.5x everything else
Click to see redemption options
#12
Citi Double Cash
No FeeCash Back
2x on all purchases (1x when you buy + 1x when you pay)
Click to see redemption options
#13
Discover It Secured
No FeeCash Back
1x everything else
- 2x Gas
- 2x Restaurants
- 1x everything else
Click to see redemption options
Cashback Match + security deposit required
#14
Discover It Chrome Gas & Restaurant
No FeeCash Back
1x everything else
- 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
#15
Chase Freedom Rise
No FeeCash Back
1.5x on all purchases
Click to see redemption options
#16
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) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
Credit card names, trademarks, and brand assets referenced on this page are the property of their respective issuers. He’s Got a Point is not affiliated with, endorsed by, or sponsored by any card issuer.