Best Cash Back Credit Cards of April 2025

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.