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
3 cards
#1
Blue Cash Preferred
Cash Back
1x everything else
- 6x US Supermarkets (up to $6k/yr)
- 6x Streaming
- 3x Transit
- 3x US Gas
- 1x everything else
Click to see redemption options
$300 after $3,000 in 6 months
#2
Citi Strata Premier
Transferable Points
1x everything else
- 10x Hotels/Cars/Attractions via CitiTravel
- 3x Restaurants
- 3x Supermarkets
- 3x Gas
- 3x Air Travel
- 3x Hotels
- 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
#3
Citi Strata Elite
Transferable Points
1.5x everything else
- 12x Hotels/Cars/Attractions via CitiTravel
- 6x Airfare via CitiTravel
- 3x Restaurants
- 1.5x everything else
Click to see redemption options
80,000 points after $4,000 in 3 months
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.