7 Best Credit Cards for Passive Income in 2025: Earn Money with Bonuses, Cashback Rewards, and Cashback Match

You and I can earn money easily by using credit cards for passive income. Many credit cards offer cashback, rewards, and bonuses. By signing up through the link, we can get extra benefits like welcome bonuses and higher cashback rates.

There are seven great credit cards for passive income in 2025:

• Discover it® Cash Back – Earn 5% cashback on rotating categories and unlimited cashback match at the end of the first year.
• Citi® Double Cash Card – Get 2% cashback on every purchase (1% when you buy, 1% when you pay).
• Blue Cash Preferred® Card from American Express – Earn 6% cashback on groceries and streaming services.
• Capital One SavorOne Cash Rewards Credit Card – Get 3% cashback on dining, entertainment, and grocery stores.
• Wells Fargo Active Cash® Card – Earn 2% unlimited cashback on all purchases with no categories to track.
• U.S. Bank Cash+® Visa Signature® Card – Choose two categories to earn 5% cashback each quarter.
• Chase Freedom Unlimited® – Earn 1.5% cashback on every purchase, plus a 3% bonus on dining and drugstores in the first year.

In this article, we will explore these seven best credit cards for passive income and how they can help us earn money effortlessly.

7 Best Credit Cards for Passive Income

Here are seven credit cards for passive income that can help you earn more effortlessly in 2025.

Best Cashback Credit Card: Discover it® Cash Back

The Discover it® Cash Back card is great for earning cash back on different spending categories that change every few months. This means you can earn more in areas where you spend the most.

• Discover it cashback referral link will let you earn 5% cash back on everyday purchases in rotating categories each quarter, like gas stations, grocery stores, restaurants, and online shopping, up to a quarterly maximum, when you activate.
• Earn 1% cash back on all other purchases.
• With Discover it promotions you will automatically match all the cash back earned at the end of your first year.
• No annual fee.

Best Flat-Rate Cashback Card: Citi® Double Cash Card

The Citi® Double Cash Card is simple and straightforward, offering a flat rate of cash back on all purchases.

• Earn 2% cash back on all purchases: 1% when you buy and 1% as you pay.
• No annual fee.
• 0% intro APR for 18 months on balance transfers; after that, the variable APR will apply.

Best Grocery Cashback Card: Amex Blue Cash Preferred® Card

If you spend a lot on groceries and streaming services, the Amex Blue Cash Everyday card offers high cash-back rates in those categories.

• Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• Earn 6% cash back on select U.S. streaming subscriptions by using the Amex referral link.
• Earn 3% cash back at U.S. gas stations and on transit.
• Earn 1% cash back on other purchases.
• $0 intro annual fee for the first year, then $95.

Best Dining & Entertainment Card: Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card is ideal for those who enjoy dining out and entertainment, offering cash back in these categories.

• Earn 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).
• There are 7 ways to use Capital One promo code to earn 1% cash back on all other purchases.
• No annual fee for Capital One promotions.
• 0% intro APR on purchases and balance transfers for 15 months; after that, a variable APR applies.

Best Unlimited Cashback Card: Wells Fargo Active Cash® Card

For those who prefer unlimited cash back without worrying about categories, this card is a solid choice.

• Earn unlimited 2% cash back on all purchases.
• No annual fee.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers; after that, a variable APR applies.

Best Rotating Categories Cashback Card: U.S. Bank Cash+® Visa Signature® Card

This card allows you to choose your own bonus categories, giving you flexibility based on your spending habits.

• Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
• Earn 2% cash back on one everyday category, like gas stations or grocery stores.
• Earn 1% cash back on all other purchases.
• No annual fee.

Best Everyday Spending Card: Chase Freedom Unlimited®

Chase Freedom Unlimited® card offers a variety of cash back rates across different spending categories, making it versatile for everyday use.

• Earn 5% cash back on travel purchased through Chase Ultimate Rewards®.
• Earn 3% cash back on dining and drugstore purchases.
• Earn 1.5% cash back on all other purchases.
• No annual fee.
• 0% intro APR for 15 months from account opening on purchases and balance transfers; after that, a variable APR applies.

How Credit Cards Can Help You Earn Passive Income

Using credit cards for passive income wisely can help you earn various rewards and benefits. Here is how:

• Cash Back Rewards: Many credit cards offer cash back on purchases, which can add up over time.
• Sign-Up Bonuses: Some cards provide a bonus if you spend a certain amount within the first few months.
• Loyalty Points: Accumulating points can lead to discounts or free services, effectively saving you money.
• Introductory APR Offers: 0% APR periods can help you manage large purchases without paying interest.

What Makes a Credit Card Ideal for Passive Income?

When looking for credit cards for passive income, consider the following factors:

• High Cash Back Rates: Look for cards that offer high cash back percentages in categories where you spend the most.
• Sign-Up Bonuses: A generous sign-up bonus can provide an immediate boost to your rewards.
• Low or No Annual Fees: Cards with low or no annual fees ensure that your rewards aren’t offset by high costs.

Zero-Annual-Fee Credit Cards for Maximizing Passive Income

Many great credit cards for passive income come with no annual fee. This means you keep all the rewards you earn without worrying about a yearly charge. If you’re looking for a card that won’t cost you anything to keep, here are some good options:

• Citi® Double Cash Card – Earn 2% cash back on all purchases with no annual fee.
• Discover it® Cash Back – Get 5% cash back in rotating categories and 1% on other purchases, with a Cashback Match at the end of the first year.
• Wells Fargo Active Cash® Card – Earn unlimited 2% cash back on all purchases.
• Chase Freedom Unlimited® – Earn 1.5% cash back on all purchases plus higher rates in bonus categories.

Are Passive Income Credit Cards Worth It? Pros & Cons

Before you apply for credit cards for passive income, it’s important to understand both the benefits and the drawbacks.

✅ Pros:

• Earn Money on Everyday Spending – You don’t have to do anything extra; just use your card for regular purchases.
• Sign-Up Bonuses – Many cards offer large cash bonuses for new users.
• 0% APR Offers – Some cards let you avoid interest for a set period, making it easier to manage debt.
• No Annual Fees – Some of the best passive income credit cards don’t charge an annual fee, so you keep all your rewards.

❌ Cons:

• Interest Charges – If you don’t pay your balance in full each month, the interest can be higher than the rewards you earn.
• Spending Requirements – Some cards require you to spend a certain amount before you earn a bonus.
• Rotating Categories – Some cards change their bonus categories every few months, making it harder to keep track.

Conclusion

The best credit cards for passive income depends on your spending habits. If you like simple rewards, a flat-rate cashback card like the Citi® Double Cash Card is a good choice. If you want to maximize bonuses, a rotating category card like Discover it® Cash Back might work better.

Before applying, think about:

• Where you spend the most money – Choose a card that rewards your biggest expenses.
• Whether you want a sign-up bonus – Some cards offer extra cash for meeting spending requirements.
• If you want a no-annual-fee card – This ensures you keep all your rewards.

By picking the right credit card for passive income, you can earn extra money effortlessly!

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