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
3 cards
#1
Blue Cash Preferred
Cash Back
6x US Supermarkets (up to $6k/yr)
- 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
10x Hotels/Cars/Attractions via CitiTravel
- 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
12x Hotels/Cars/Attractions via CitiTravel
- 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?
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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.