Looking for the Best Cash Back Credit Cards in 2025? With so many options available, it can be difficult to choose the right card. These Credit Cards not only help you earn unlimited rewards but also allow you to avoid the hassle of rotating categories. Plus, they can play a pivotal role in building a good credit score when used responsibly.
In this guide, we will explore the top Best Cash Back Credit Cards that offer flat-rate rewards, simple redemption, and the chance to improve your financial future. Let’s dive into these cards and see which ones fit your lifestyle.
Key Facts to Know Before Choosing the Best Cash Back Credit Cards
- Flat-Rate Rewards: The best cash back credit cards offer a consistent cashback rate on every purchase, so you don’t have to worry about rotating categories.
- Build Your Credit: Many of the Best cash back credit cards can help improve your credit score over time when managed properly.
- No Annual Fees: Several of the best cash back credit cards come with no annual fees, keeping your costs low.
- Intro Offers: Some best cash back credit cards offer attractive bonuses when you meet the minimum spending requirements.
1. Wells Fargo Active Cash® Card
Best For: Flat-rate cash back
Rewards Breakdown:
- 2% Cash Back on every purchase
- No rotating categories
Card Details:
- Annual Fee: $0
- Bonus: $200 bonus after spending $1,000 in the first 3 months
- APR: 19.24% – 29.24% Variable APR
- Recommended Credit Score: 690 – 850 (Good to Excellent)
Good to Know:
- The Best Cash Back Credit Cards give you unlimited 2% cash back on every purchase with no rotating categories.
Overview:
Wells Fargo Active Cash® Card is one of the Best Cash Back Credit Cards for flat-rate rewards, providing an easy-to-understand rewards structure and no hassle.
Bonuses:
- $200 bonus after spending $1,000 in the first 3 months.
How to Get the Bonuses:
- Spend $1,000 within the first 3 months of opening the account.
Pros:
- Unlimited 2% cash back on all purchases
- No annual fee
- 0% APR for 12 months on purchases and balance transfers
Cons:
- Higher APR after the intro period
2. Chase Freedom Unlimited®
Best For: All-around cash back
Rewards Breakdown:
- 5% on travel purchased through Chase Travel℠
- 3% on dining and drugstores
- 1.5% on all other purchases
Card Details:
- Annual Fee: $0
- Bonus: $250 bonus after spending $500 in the first 3 months
- APR: 18.99% – 28.49% Variable APR
- Recommended Credit Score: 690 – 850 (Good to Excellent)
Good to Know:
- As one of the Best Cash Back Credit Cards, Chase credit card offers a broad array of categories where you can earn rewards.
Overview:
The Chase Freedom Unlimited® is a highly versatile option for those seeking steady rewards, making it one of the best cash back credit cards for passive income and everyday spending.
Bonuses:
- $250 bonus after spending $500 in the first 3 months.
How to Get the Bonuses:
- Sign in using the link and spend $500 within the first three months to qualify.
Pros:
- 5% cash back on travel through Chase Travel℠
- No annual fee
- 0% APR for 15 months
Cons:
- 5% cash back only applies to travel booked through Chase Travel℠
3. Discover it® Cash Back
Best For: With Discover promotions, quarterly categories + matching bonus
Rewards Breakdown:
- 5% on rotating categories each quarter (up to $1,500 in purchases, activation required)
- 1% on all other purchases
Card Details:
- Annual Fee: $0
- Bonus: Cashback Match™ (Discover will match all the cash back you’ve earned in the first year)
- APR: 18.24% – 27.24% Variable APR
- Recommended Credit Score: 690 – 850 (Good to Excellent)
Good to Know:
- The Cashback Match™ doubles your rewards in the first year, making it one of the Best Cash Back Credit Cards.
Overview:
Discover it® Cash Back stands out for its quarterly categories and the Cashback Match™, which makes it one of the Best Cash Back Credit Cards for those who don’t mind rotating categories.
Bonuses:
- Cashback Match™ doubles your rewards at the end of your first year.
How to Get the Bonuses:
- Earn 5% cash back on rotating categories and 1% on all other purchases when you use this link.
Pros:
- Cashback Match™ doubles your rewards in the first year
- 5% on rotating categories
- No annual fee
Cons:
- Categories need activation each quarter
4. Capital One Savour Cash Rewards Credit Card
Best For: Going out & staying in
Rewards Breakdown:
- 8% on entertainment and dining
- 1% on all other purchases
Card Details:
- Annual Fee: $0
- Bonus: $200 bonus after spending $500 in the first 3 months
- APR: 19.24% – 29.24% Variable APR
- Recommended Credit Score: 690 – 850 (Good to Excellent)
Good to Know:
- Perfect for those who spend a lot on dining and entertainment, this card is one of the Best Cash Back Credit Cards in this category.
Overview:
With Capital One promotions that get up to 8% back on entertainment and dining, the Capital One Savour Cash Rewards Credit Card is a standout option for anyone who enjoys going out, making it one of the Best Cash Back Credit Cards for these categories.
Bonuses:
- $200 bonus after spending $500 in the first 3 months.
How to Get the Bonuses:
- Open an account using the referral link and spend $500 in the first 3 months.
Pros:
- High cash back for dining and entertainment
- No annual fee
- 0% intro APR for 15 months
Cons:
- High APR after the intro period
5. Citi Double Cash® Card
Best For: Simplicity + high rate
Rewards Breakdown:
- 1% on every purchase
- 1% as you pay
Card Details:
- Annual Fee: $0
- Bonus: $200 bonus after spending $1,500 in the first 6 months
- APR: 18.24% – 28.24% Variable APR
- Recommended Credit Score: 630 – 850 (Fair to Excellent)
Good to Know:
- With a flat 2% cash back on all purchases, the Citi Double Cash® Card is one of the Best Cash Back Credit Cards for simplicity.
Overview:
The Citi Double Cash® Card is an excellent choice for those seeking a straightforward, high-reward credit card. With no rotating categories, Citibank credit card sign-up bonuses offer simple yet competitive rewards.
Bonuses:
- $200 bonus after spending $1,500 in the first 6 months.
How to Get the Bonuses:
- Spend $1,500 within the first 6 months.
Pros:
- 2% cash back on all purchases
- No rotating categories
- No annual fee
Cons:
- No bonus categories
6. Blue Cash Preferred® Card from American Express
Best For: Families & households
Rewards Breakdown:
- 6% on U.S. supermarkets (up to $6,000 per year)
- 3% on transit and U.S. gas stations
- 1% on all other purchases
Card Details:
- Annual Fee: $95 (waived for the first year)
- Bonus: $250 bonus after spending $1,000 in the first 3 months
- APR: 18.24% – 29.24% Variable APR
- Recommended Credit Score: 690 – 850 (Good to Excellent)
Good to Know:
- This card is perfect for families who spend on groceries and transit, making it one of the Best Cash Back Credit Cards for these categories.
Overview:
The Blue Cash Preferred® Card from American Express offers higher reward rates tailored for families, with benefits on supermarket and transit purchases, making it one of the best cash back credit cards for households.
Bonuses:
- $250 bonus after spending $1,000 in the first 3 months.
How to Get the Bonuses:
- Sign up using the provided link and spend $1,000 within the first three months to qualify.
Pros:
- High cash back on groceries
- 0% intro APR for 12 months
Cons:
- $95 annual fee after the first year
Conclusion
The Best Cash Back Credit Cards in 2025 offer a range of benefits, from flat-rate rewards to higher cash back on specific categories. With no rotating categories to worry about and rewards that are easy to redeem, these cards provide a great way to earn cash back while building your credit score.
Make sure to select the one that aligns with your spending habits to maximize your rewards and benefit from the Best Cash Back Credit Cards this year.