Top 10 Best Cash Back Credit Cards in the USA (2025)

In 2025, the best cash back credit cards continue to provide amazing rewards for everyday spending. Whether you’re looking for a card that gives you a percentage back on your groceries, gas, dining, or other purchases, cash back cards are one of the most popular and lucrative ways to earn rewards.

Cash-back credit cards are an excellent choice for those who want to earn money on purchases they would already make. But with so many options available, it can be overwhelming to choose the right one. We’ve researched and compiled a list of the Top 10 Best Cash Back Credit Cards in the USA for 2025, ensuring that you can make an informed decision and maximize your rewards.

1. Chase Freedom Unlimited®

Best For: Unlimited 1.5% cash back on all purchases

The Chase Freedom Unlimited® is perfect for those who want a simple, no-hassle cash-back card. You earn 1.5% cash back on every purchase, with no rotating categories or enrollment required. Plus, it offers an introductory 0% APR on purchases for the first 15 months, which makes it ideal for big-ticket purchases.

Rewards: 1.5% cash back on all purchases, 5% on travel through Chase Ultimate Rewards®, 3% on dining and drugstore purchases.
Sign-Up Bonus: $200 bonus after spending $500 in the first 3 months.
Annual Fee: $0.

2. Citi® Double Cash Card

Best For: 2% cash back on every purchase

The Citi® Double Cash Card is one of the simplest cash-back cards available. It offers an impressive 2% cash back on every purchase—1% when you make a purchase and 1% when you pay it off. There’s no limit to how much you can earn, making it a great choice for those who want a straightforward reward structure.

Rewards: 2% on all purchases (1% when you buy, 1% when you pay).
Sign-Up Bonus: None.
Annual Fee: $0.

3. Blue Cash Preferred® Card from American Express

Best For: High cash back on U.S. supermarket and streaming purchases

If you spend a lot on groceries and streaming services, the Blue Cash Preferred® Card is an excellent option. It offers 6% cash back on U.S. supermarket purchases, up to $6,000 per year (then 1%), 3% cash back on U.S. gas stations and select U.S. transit purchases, and 1% on all other purchases.

Rewards: 6% at U.S. supermarkets, 3% on U.S. gas stations, 1% on other purchases.
Sign-Up Bonus: $300 after spending $3,000 in the first 6 months.
Annual Fee: $95.

4. Discover it® Cash Back

Best For: Rotating cash back categories

The Discover it® Cash Back card offers 5% cash back on rotating quarterly categories (up to $1,500 in spending per quarter), plus 1% on all other purchases. The card also features a cash-back match in the first year, doubling all the cash back you’ve earned.

Rewards: 5% on rotating categories (activation required), 1% on all other purchases.
Sign-Up Bonus: Dollar-for-dollar match of all the cash back you earn in your first year.
Annual Fee: $0.

5. Capital One QuicksilverOne Cash Rewards Credit Card

Best For: No annual fee and unlimited 1.5% cash back

The Capital One QuicksilverOne Cash Rewards Credit Card is ideal for those who want a simple cash-back card with 1.5% back on every purchase. This card has no annual fee and comes with a moderate APR. While it’s targeted at people with fair credit, it’s a solid option for those who want straightforward cash back.

Rewards: 1.5% on every purchase.
Sign-Up Bonus: None.
Annual Fee: $39.

6. Wells Fargo Active Cash® Card

Best For: Unlimited 2% cash back on all purchases

The Wells Fargo Active Cash® Card stands out by offering 2% cash back on every purchase with no restrictions or rotating categories. It’s an ideal choice for people who want maximum rewards on all purchases without having to track categories.

Rewards: 2% on all purchases.
Sign-Up Bonus: $200 cash rewards after spending $500 in the first 3 months.
Annual Fee: $0.

7. Bank of America® Customized Cash Rewards Credit Card

Best For: Customizable cash-back categories

The Bank of America® Customized Cash Rewards Credit Card offers a unique twist by letting you choose your 3% cash-back category (gas, online shopping, dining, travel, drug stores, or home improvement). You also earn 2% cash back at grocery stores and wholesale clubs, on the first $2,500 in combined category/eligible purchases each quarter (then 1%).

Rewards: 3% on selected categories, 2% on grocery store and wholesale club purchases, 1% on other purchases.
Sign-Up Bonus: $200 online cash rewards after spending $1,000 in the first 90 days.
Annual Fee: $0.

8. Chase Freedom Flex℠

Best For: 5% cash back on rotating categories and travel

The Chase Freedom Flex℠ card offers 5% cash back on rotating categories (up to $1,500 per quarter), 3% on dining and drugstores, and 1% on all other purchases. In addition, it provides 5% cash back on travel purchases through the Chase Ultimate Rewards® portal.

Rewards: 5% on rotating categories, 3% on dining and drugstores, 1% on all other purchases.
Sign-Up Bonus: $200 after spending $500 in the first 3 months.
Annual Fee: $0.

9. U.S. Bank Cash+® Visa Signature® Card

Best For: Customizable cash-back categories

With the U.S. Bank Cash+® Visa Signature® Card, you can earn 5% cash back on the first $2,000 in combined purchases in two categories of your choice (like home utilities, department stores, or electronic stores). You also get 2% on grocery store purchases and 1% on all other purchases.

Rewards: 5% on two chosen categories, 2% on grocery stores, 1% on all other purchases.
Sign-Up Bonus: $200 after spending $1,000 in the first 3 months.
Annual Fee: $0.

10. American Express® Gold Card

Best For: Dining rewards

If you dine out frequently, the American Express® Gold Card offers 4% cash back on dining at restaurants, including takeout and delivery, and 3% on flights booked directly with airlines. It also gives you 1% on other purchases.

Rewards: 4% on dining, 3% on flights, 1% on other purchases.
Sign-Up Bonus: 60,000 Membership Rewards® points after spending $4,000 in the first 6 months.
Annual Fee: $250.

Conclusion

Choosing the best cash back credit card depends on your spending habits, credit score, and the specific rewards you’re looking for. Whether you’re looking for 2% cash back on every purchase, higher rewards for travel and dining, or 5% cash back on rotating categories, there’s a card for every kind of spender.

For 2025, these top cash back credit cards stand out for their strong reward structures, enticing bonuses, and zero annual fees (in most cases). By selecting the right card for your lifestyle, you can earn significant rewards on your everyday purchases.