Cash back credit cards are very popular right now, especially with prices still high. To pick the best card for you, think about where you spend the most and choose a card that rewards you in those categories.
U.S. News’ Best Cash Back Cards (April 2025)
1. Discover it® Cash Back
- Best For: Everyday purchases
- Intro Bonus: Discover matches all your cash back at the end of your first year.
- Cash Back: 5% at grocery stores and wholesale clubs (up to $1,500 per quarter after activation), 1% on everything else.
- Annual Fee: $0
- APR: 18.24% – 27.24% (Variable)
- Other: 0% intro APR for 15 months; No foreign transaction fee.
2. Blue Cash Everyday® Card from American Express
- Best For: Supermarkets, online shopping, gas stations
- Intro Bonus: $200 statement credit after spending $2,000 in 6 months.
- Cash Back: 3% at supermarkets, online retail, and gas stations (up to $6,000 each per year), 1% on other purchases.
- Annual Fee: $0
- APR: 20.24% – 29.24% (Variable)
3. Citi Double Cash® Card
- Best For: Simple 2% cash back on everything
- Intro Bonus: $200 after spending $1,500 in 6 months.
- Cash Back: 2% total (1% when you buy, 1% when you pay).
- Annual Fee: $0
- APR: 18.24% – 28.24% (Variable)
4. Chase Freedom Unlimited®
- Best For: Flexible rewards
- Intro Bonus: $250 after spending $500 in 3 months.
- Cash Back: 5% on Chase Travel, 3% on drugstores and dining, 1.5% on all other purchases.
- Annual Fee: $0
- APR: 18.99% – 28.49% (Variable)
5. Capital One Savor Cash Rewards Credit Card
- Best For: Dining and entertainment
- Intro Bonus: $200 after spending $500 in 3 months.
- Cash Back: 3% on dining, groceries (excluding superstores), entertainment, and streaming; 1% elsewhere.
- Annual Fee: $0
- APR: 19.24% – 29.24% (Variable)
6. Amazon Visa Credit Card
- Best For: Amazon and Whole Foods shoppers
- Intro Bonus: $50 Amazon gift card upon approval.
- Cash Back: 3% at Amazon and Whole Foods, 2% at restaurants, gas stations, and drugstores, 1% elsewhere.
- Annual Fee: $0
- APR: 18.99% – 26.99% (Variable)
7. Citi Custom Cash® Card
- Best For: Earning 5% in your top spending category
- Intro Bonus: $200 after spending $1,500 in 6 months.
- Cash Back: 5% on top category (up to $500 monthly), 1% on everything else.
- Annual Fee: $0
- APR: 18.49% – 28.49% (Variable)
8. Instacart Mastercard®
- Best For: Grocery shopping
- Intro Bonus: Free year of Instacart+ and $100 Instacart credit upon approval.
- Cash Back: 5% on Instacart and Chase Travel, 2% on restaurants, gas, and streaming services, 1% elsewhere.
- Annual Fee: $0
- APR: 20.24% – 28.99% (Variable)
9. Bank of America® Customized Cash Rewards
- Best For: Customizable 3% category (like gas, online shopping, dining, travel, etc.)
- Intro Bonus: $200 after spending $1,000 in 90 days.
- Cash Back: 3% in chosen category, 2% at grocery stores and wholesale clubs, 1% elsewhere (up to $2,500 quarterly).
- Annual Fee: $0
- APR: 18.24% – 28.24% (Variable)
10. Ink Business Unlimited® Credit Card
Best for: Unlimited 1.5% cash back on every purchase
Key Highlights:
- Intro Bonus: Earn a $750 bonus cash back after spending $6,000 in the first 3 months.
- Rewards: Earn unlimited 1.5% cash back on every business purchase.
- Annual Fee: $0
- Intro APR: 0% on purchases for 12 months.
- Regular APR: 17.49% - 23.49% Variable
- Credit Needed: Excellent to Good (670–850)
- Other Benefits:
- Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®.
- Free employee cards with individual spending limits.
- 24/7 monitoring for unusual activity and Zero Liability protection.
- Additional Fees:
- Balance Transfer Fee: Either $5 or 5% of the transfer amount (whichever is greater).
- Cash Advance Fee: Either $15 or 5% of the transaction (whichever is greater).
- Foreign Transaction Fee: 3%.
Quick Tips:
- Pick a card based on where you spend the most.
- Look for a card with a good intro bonus if you plan a lot of purchases soon.
- Check intro APR offers if you want time to pay off purchases interest-free.
- Always check the foreign transaction fee if you travel abroad.
