Best Cash Back Credit Cards in November 2025: Earn More on Everyday Purchases
Our top pick for the best cash back credit card
Our top pick for the best cash back credit card
Capital One Savor Cash Rewards Credit Card
It’s hard to beat the Capital One Savor Cash Rewards Credit Card’s mix of generous rewards, unlimited earning and $0 annual fee. You’ll earn top-tier cash back on the things you buy most — from groceries and dining to entertainment and popular streaming services.
Key takeaways
- Cash back credit cards help you turn everyday spending into cash back rewards — earn 1% to 8% on what you already buy.
- The right card can easily put hundreds back in your pocket each year.
- Some of our top picks deliver $600+ in first-year value — with no annual fee.
What is the best cash back credit card?
| Scenario | LendingTree's Recommendation |
|---|---|
| I spend a lot on dining, groceries and entertainment | Capital One Savor Cash Rewards Credit Card |
| I want simple, unlimited cash rewards on every purchase | Wells Fargo Active Cash® Card |
| My spending varies, so I want cash back in rotating categories | Chase Freedom Flex® |
| I spend most on groceries and household essentials | Blue Cash Preferred® Card from American Express |
| I’m always driving and want cash back on gas | Citi Custom Cash® Card |
| I love dining out and want cash back on every meal | Chase Freedom Unlimited® |
| I run a business and want cash back that’s easy to manage | Capital One Spark Cash Select |
| I’m a student who wants to build credit and earn cash back | Capital One Savor Student Cash Rewards Credit Card |
| I’m rebuilding credit and want to earn cash back | Discover it® Secured Credit Card |
| I’m a frequent Amazon shopper | Prime Visa |
9 top-rated cash back credit cards
The best cash back credit cards make it easy to earn rewards on the purchases you make every day. Whether you want a flat-rate card that keeps things simple or one that earns extra on groceries, gas or dining, our top-rated picks deliver strong rewards, low fees and valuable perks. Each of these cards offers flexible redemption options and helps you get more value from every dollar you spend.
| Credit Cards | Our Ratings | Rewards Rate | Welcome Offer | Annual Fee | |
|---|---|---|---|---|---|
Capital One Savor Cash Rewards Credit Card
|
Winner
|
1% - 8% cash back
| $300 in welcome bonuses
Earn $300 in welcome bonuses with a limited-time $100 Capital One Travel credit, plus earn $200 cash bonus with $500 spend within 3 months from account opening
| $0 | |
Wells Fargo Active Cash® Card*
|
Flat-rate
|
2% cash rewards on purchases
Earn unlimited 2% cash rewards on purchases.
| $200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
| $0 | |
Chase Freedom Flex®*
|
Rotating categories
|
1% - 5% cash back
| $200 cash bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
| $0 | |
Blue Cash Preferred® Card from American Express
|
Groceries
|
1% - 6% cash back
| $250 statement credit
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
| $0 intro annual fee for the first year, then $95. | |
Citi Custom Cash® Card*
|
Gas
|
1% - 5% cash back
| $200 cash back
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
| $0 | |
Chase Freedom Unlimited®
 Apply Now
on Chase's secure site Rates & Fees |
Dining
|
1.5% - 5% cash back
| $200 cash back
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
| $0 |
Apply Now
on Chase's secure site Rates & Fees |
Capital One Spark Cash Select
|
Business
|
1.5% - 5% Cash Back
| $750 Cash Back
$750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
| $0 | |
Capital One Savor Student Cash Rewards Credit Card
|
Students
|
1% - 8% cash back
| $50 Cash Back
Earn $50 Cash Back when you spend $100 in the first three months
| $0 | |
Discover it® Secured Credit Card
Apply Now
on Discover's secure site Rates & Fees |
Building credit
|
1% - 2% cash back
| Cashback Match
Discover will match all the cash back you’ve earned at the end of your first year.
| $0 |
Apply Now
on Discover's secure site Rates & Fees |
Prime Visa*
|
Store
|
1% - 5% cash back
| $150 Amazon gift card
Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
| $0 |
How we chose the best cash back credit cards
We take a comprehensive, data-driven approach to identify the best cash back credit cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:
We calculate the cash back earned for the average cardholder using Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes sign-up and annual bonuses. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
We consider how easy the rewards are to use, looking at factors like expiration dates and minimum thresholds to redeem.
We also compare a card’s benefits, such as purchase and travel protections, against benefits from other cards.
Note that our ratings are only a starting point for comparing and choosing the best cash back credit card. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to spend in a card’s bonus categories, as well as which benefits you value to choose the best card for you.
Which cash back card is best for your needs?
To help you compare options, we estimated each card’s potential annual cash back based on $2,000 in monthly spending across common household categories. This estimate gives you a realistic look at how much you could earn through everyday purchases.
Best overall cash back credit card
Capital One Savor Cash Rewards Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards rate: 1% - 8% cash back
- Earn 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
- Earn 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn 8% Cash Back on Capital One Entertainment purchases
- Earn 1% Cash Back on all other purchases
- Generous cash back rate on everyday spending
- Low spend threshold required to earn sign-up bonus
- Flexible rewards program
- $0 annual fee
- Foreign transaction fees: None
- Target® and Walmart® aren’t included in grocery category
The Capital One Savor Cash Rewards Credit Card is our top pick because it rewards how you actually spend — whether it’s nights out, grocery runs or streaming binges. Its mix of high earning potential, no annual fee and no foreign transaction fees makes it a top choice for maximizing everyday spending.
What you could earn: If you spend $2,000 a month — about $1,200 on dining, groceries and entertainment (3%) and $800 on other purchases (1%) — you could earn roughly $528 in cash back per year.
→ Read our full review of the Capital One Savor Cash Rewards Credit Card.
- LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 12 months; 18.99% - 28.99% variable APR after that; balance transfer fee applies
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Best flat-rate cash back card (2%)
Wells Fargo Active Cash® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards rate: 2% cash rewards on purchases
- Flat-rate cash rewards on purchases
- Low spend requirement to earn the sign-up bonus
- Flexible reward redemption options
- $0 annual fee
- No bonus categories
- 3% foreign transaction fee
The Wells Fargo Active Cash® Card keeps earning simple — with no rotating categories or spending limits to track. You’ll earn unlimited 2% cash rewards on purchases. Plus, enjoy flexible redemption options and a $0 annual fee that makes it easy to keep long term.
What you could earn: Spend $2,000 a month on any purchase, and you’ll earn about $480 in cash back per year.
→ Read our full review of the Wells Fargo Active Cash® Card.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.99%, 24.99%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Best rotating categories cash back card (5%)
Chase Freedom Flex®*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards rate: 1% - 5% cash back
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- Earn 5% cash back on travel purchased through Chase Travel℠.
- Earn 3% on dining and drugstores.
- Earn 1% on all other purchases.
- High rewards rate in popular spending categories
- Low spend threshold required to earn sign-up bonus
- Flexible reward redemption options
- $0 annual fee
- Travel and purchase protections
- Quarterly spending cap on bonus categories
- Bonus categories require activation each quarter
- Foreign transaction fee (3% of each transaction in U.S. dollars)
If your spending varies, the Chase Freedom Flex® offers a high cash back rate in categories that rotate quarterly (up to the quarterly maximum). These bonus categories often include everyday favorites. For example, some of the 2025 bonus categories included grocery stores, Amazon, gas stations and department stores. You’ll need to activate new categories each quarter, but it can pay off if you plan your spending strategically.
What you could earn: If you spend about $500 per quarter in rotating bonus categories and another $5,500 per quarter on other purchases (for a combined total of $2,000 per month), you could earn around $320 in cash back per year. (Book travel through Chase TravelSM to increase your rewards value even more.)
→ Read our full review of the Chase Freedom Flex®.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74%-28.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Best cash back card for groceries
Blue Cash Preferred® Card from American Express
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards rate: 1% - 6% cash back*
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)
- Earn 6% cash back on select U.S. streaming subscriptions
- Earn 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases
- Earn 1% cash back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout
- Extremely high earning rate at U.S. supermarkets
- Strong rewards in popular categories
- Valuable welcome offer
- Monthly credit for select U.S. streaming services
- Car rental loss and damage insurance1
- Annual fee ($0 intro annual fee for the first year, then $95.)
- Limit on U.S. supermarket cash back* rate
- Foreign transaction fee (2.7% of each transaction after conversion to US dollars.)
- Limited redemption options
The Blue Cash Preferred® Card from American Express offers the highest cash back* rate at U.S. supermarkets of any cash back credit card, plus solid rewards on streaming, gas and transit. Even with an annual fee, its potential earnings can easily outweigh the cost for big spenders on groceries or family essentials.
Example of what you could earn: Spending $1,000 monthly at U.S. supermarkets (6% up to $6,000/year, then 1%), $200 on U.S. gas stations and transit (3%) and $800 elsewhere (1%) could earn about $588 annually.
→ Read our full review of the Blue Cash Preferred® Card from American Express.
- Click APPLY NOW to apply online.
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74% - 28.74%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
Best credit card for cash back on gas
Citi Custom Cash® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards rate: 1% - 5% cash back
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
- Earn unlimited 1% cash back on all other purchases.
- Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026
- High rewards rate on your top eligible spend category
- Solid sign-up bonus
- Simple, flexible redemption options
- $0 annual fee
- Spending cap on highest earning category
- 3% foreign transaction fee
- Earning depends on spending patterns
The Citi Custom Cash® Card automatically adjusts to your top spending category each month, making it a flexible choice for everyday drivers or those with changing habits. It’s especially strong for gas, groceries and dining, where the elevated cash back rate can quickly add up.
What you could earn: Spending $500 monthly on gas purchases (5%) and $1,500 elsewhere (1%) could earn about $480 annually.
→ Read our full review of the Citi Custom Cash® Card.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
Best dining cash back card
Chase Freedom Unlimited®
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Rewards rate: 1.5% - 5% cash back
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- Earn 1.5% on all other purchases
- Elevated cash back rate on every purchase
- Points are flexible and easy to redeem
- Pairs well with other Chase cards
- $0 annual fee
- Solid travel and purchase protections
- Foreign transaction fee (3% of each transaction in U.S. dollars)
- Other cards have a higher flat rate
The Chase Freedom Unlimited® is a go-to card for dining out and takeout lovers, thanks to its elevated cash back rate at restaurants, including takeout and eligible delivery service. And you can unlock even more value by pairing it with a Chase Ultimate Rewards® card — like the Chase Sapphire Reserve® — and redeeming points for travel through Chase’s portal.
The card also comes with travel and purchase protections that you don’t typically see with a $0-annual-fee cash back card.
What you could earn: If you spend $600 monthly on dining and drugstore purchases (3%) and $1,400 elsewhere (1.5%) (for a combined total of $2,000 per month), you could earn about $468 in cash back each year — or more if you use the card for Chase Travel℠ bookings.
→ Read our full review of the Chase Freedom Unlimited®.
- Click APPLY NOW to apply online.
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
Best credit card for business cash back
Capital One Spark Cash Select
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards rate: 1.5% - 5% Cash Back
- Earn 1.5% Cash Back on every purchase
- Earn 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site
- Ability to earn a large sign-up bonus
- Elevated cash back on every purchase
- $0 annual fee
- Flexible rewards redemption
- Foreign transaction fee: None
- Geared towards consumers with excellent credit
- No bonus categories for business spending
The Capital One Spark Cash Select is ideal for small business owners who want straightforward rewards without tracking categories or paying an annual fee. You’ll earn 1.5% cash back on every purchase, plus a higher rate when booking through Capital One’s travel booking site.
What you could earn: With 1.5% cash back on general purchases, spending $2,000 monthly would earn about $360 annually.
→ Read our full review of the Capital One Spark Cash Select.
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Best cash back credit card for students
Capital One Savor Student Cash Rewards Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards rate: 1% - 8% cash back
- Earn 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
- Earn 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn 8% Cash Back on Capital One Entertainment purchases
- Earn 1% Cash Back on all other purchases
- Strong rewards on dining and entertainment
- Ability to earn a decent sign-up bonus
- Very flexible rewards
- $0 annual fee
- No security deposit required
- Foreign transaction fees: None
- No intro APR on purchases or balance transfers
- Late payment fee: Up to $40
The Capital One Savor Student Cash Rewards Credit Card earns one of the highest cash back rates in areas where students sometimes spend the most — dining and entertainment. It’s even our choice for the best overall credit card for students.
The card is designed for students with fair credit, reports to all three credit bureaus and provides a path to upgrade once you graduate.
What you could earn: If you spend $2,000 a month — about $1,200 on dining, groceries and entertainment (3%) and $800 on other purchases (1%) — you could earn roughly $528 in cash back per year. To provide a fair comparison across cards, we used a $2,000 monthly spending estimate, though we recognize that’s above a typical student budget.
→ Read our full review of the Capital One Savor Student Cash Rewards Credit Card.
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Best cash back credit card for building credit
Discover it® Secured Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Rewards rate: 1% - 2% cash back
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
- Earn unlimited 1% cash back on all other purchases.
- Available for limited / poor credit
- Earns cash back on every purchase
- Matches cash back in the first year for new cardmembers
- $0 annual fee
- Ability to graduate to an unsecured card in as little as seven months
- No penalty APR and no late fee on your first missed payment None the first time you pay late. After that, up to $41.
- Refundable security deposit required
- Low credit limit
The Discover it® Secured Credit Card can help cardholders build or rebuild credit while still earning cash back. This is a secured credit card, meaning you’ll need to provide a refundable deposit of at least $200 to open the card. However, Discover will conduct automatic account reviews after seven months to see if you are eligible for an unsecured card.
What you could earn: Spending $1,000 monthly on gas and restaurants and $1,000 elsewhere could earn about $360 per year. That may be more than a typical person working to build credit spends each month, but even at half that amount, your rewards can still add up — especially with Discover’s first-year cash back match.
→ Read our full review of the Discover it® Secured Credit Card.
- Click APPLY NOW to apply online.
- No credit score required to apply. No Annual Fee.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- 30 points or more—that’s how much you could increase your FICO® Credit Score on average after just six months of responsible use.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Get an alert if we find your Social Security number on the dark web. Activate for free.
- Terms and conditions apply.
- Rates & Fees
Best store-brand cash back credit card
Prime Visa*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards rate: 1% - 5% cash back
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% on all other purchases
- Ability to earn an Amazon Gift Card upon approval
- Promo annual percentage rate (APR) on large purchases
- $0 annual fee
- $0 foreign transaction fee
- Access to a number of Chase benefits
- Must have an Amazon Prime membership
- Can’t combine cash back with the promo APR
If the Amazon delivery truck stops by your house often, the Prime Visa is an easy pick. You’ll earn generous rewards on Amazon, Whole Foods Market and Amazon Fresh, plus bonus cash back on gas, dining, transit and commuting. The card also includes valuable Chase benefits — but you’ll need an Amazon Prime membership to qualify.
What you could earn: If you spend a combined $2,000 a month, with $800 on Amazon and Whole Foods (5%), $300 on gas and restaurants (2%) and $900 on other purchases (1%), you’d earn about $660 in annual cash back.
→ Read our full review of the Prime Visa.
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
Cash back credit card basics
Before choosing a cash back card, it helps to understand how these rewards work, how they compare to travel points and miles and what to expect when it’s time to redeem your rewards.
What is cash back on a credit card?
Cash back is a credit card reward that lets you earn money back on the purchases you make. Most cash back cards earn a minimum of 1%, though some pay higher rates on categories like dining, groceries or gas.
→ We found that of the 60% of cardholders who redeemed rewards in the past year, 71% chose cash back — proving it’s the most popular and practical reward type for most consumers.
How does cash back work?
When you use a cash back credit card, your issuer tracks your spending and applies a reward rate — typically between 1% and 8%, depending on the card and category.
Cards generally follow one of two structures:
- Flat-rate:
Earn the same rate on every purchase. - Bonus categories:
Earn a higher cash back rate in certain spending areas — like groceries, gas or dining — and 1% on all other purchases.
Once your statement closes, your rewards are credited to your account. You can then redeem them as a statement credit, direct deposit, gift cards or travel, depending on the card’s program.
Cash back vs. travel rewards
Cash back cards are better for simplicity and consistent value, while travel cards can offer higher potential value for frequent travelers. Choosing between the two depends on how you spend — and whether you prefer straightforward cash rewards or travel experiences.
| Cash back cards | Travel rewards cards | |
|---|---|---|
| Rewards type | Earn simple, flexible rewards you can redeem for cash, statement credits, deposits or gift cards. | Earn points or miles for flights, hotels or other travel redemptions. |
| Best for | Best for everyday purchases and straightforward value. | Best for frequent travelers who maximize point transfers and perks. |
| Rewards value | Rewards value is consistent and easy to understand. | Rewards value can vary depending on how you redeem points or miles. |
→ See our top picks for travel credit cards.
Can I get cash back from credit card points?
Some credit cards earn flexible points that can be redeemed for cash back. For example, the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, which earn Chase Ultimate Rewards®, let you redeem points for cash back at a value of 1 cent per point.
→ See our guide to cash back vs. points and miles.
Are cash back rewards taxable?
In most cases, cash back rewards aren’t taxable because the IRS treats them as rebates or discounts on what you spend, not as income. However, if you earn a sign-up bonus without making a purchase (for example, opening a card and getting $200 just for approval), that amount may be considered taxable income.
Pro tip: Always check your card’s terms and consult a tax professional if you’re unsure.
Types of cash back cards
Cash back credit cards aren’t one-size-fits-all. The best card for you depends on how you spend and how much effort you want to put into managing rewards. Here’s a look at the main types of cash back cards and who each one benefits most.
Flat-rate cash back credit cards
Flat-rate cash back credit cards earn cash back at the same rate on every purchase. The rewards rate is typically between 1% and 2%.
This type of card is best for people who want consistent, hassle-free rewards on all their spending.
Examples: Wells Fargo Active Cash® Card and Citi Double Cash® Card.
Tiered category cards
With tiered category cards, you can earn bonus cash back on specific categories and 1% cash back on everything else. It’s common to find cards that offer a 3% or higher cash back rate on groceries, gas, dining and more.
These cards are best for people who spend heavily in certain categories and don’t mind tracking where they earn the most rewards.
Examples: Capital One Savor Cash Rewards Credit Card, Blue Cash Preferred® Card from American Express* and Chase Freedom Unlimited®.
Rotating cash back credit cards
Rotating cash back credit cards earn elevated cash back rates — often 5% back — in categories that change quarterly. To earn the higher rate, you’ll need to activate each quarter’s categories, usually through your card issuer’s website or mobile app.
This type of card is best for people who don’t mind a little upkeep and want to maximize rewards by planning purchases around rotating categories.
Examples: Chase Freedom Flex® and Discover it® Cash Back.
See the Chase and Discover quarterly bonus category calendars:
Store credit cards
Store credit cards help you earn cash back or discounts at a specific retailer — but they typically limit rewards (and sometimes usage) to that store or its partners. They’re worth it if you’re loyal to a particular retailer and shop there frequently enough to take advantage of the higher cash back rates or exclusive perks. However, they’re less valuable if you prefer flexibility to earn and redeem rewards anywhere.
Examples: Prime Visa, Costco Anywhere Visa® Card by Citi , Target Circle™ Card and PayPal Cashback Mastercard®.
Why store cards can cost you more than they earn you
How to choose the best cash back credit card for you
Choosing the best cash back credit card for you typically depends on your spending habits and how you want to earn rewards. The best cash back credit cards have an easy-to-earn welcome offer, an intro APR on purchases or balance transfers (or both), a low or $0 annual fee and a generous rewards rate. Here are a few other considerations to help you choose the right card for you:
1. Check your credit profile
Your credit score plays a major role in which cash back credit cards you can qualify for — and the quality of the offers you receive. Most of the best cash back cards require good to excellent credit (a FICO® Score of 670 or higher), which can unlock higher rewards rates, better sign-up bonuses and lower APRs.
Those with fair or limited credit may still qualify for beginner or secured cards, but rewards and perks will likely be more modest.
→ Don’t know your credit score? Sign up for an account at LendingTree Spring to get your free credit score and recommendations to boost your score.
2. Match rewards to your spending habits
The best cash back card depends on how — and where — you spend most. Think about your lifestyle and what you buy most often:
| If you’re a... | You’ll benefit most from a… |
|---|---|
| Commuter who spends a lot on gas or transit | Tiered category card that offers bonus cash back on gas and travel |
| Family with big grocery or household budgets | Tiered category card that earns extra rewards on groceries and essentials |
| Foodie who loves dining out and ordering in | Flat-rate card for simplicity or a tiered card with dining bonuses |
| Student just starting to build credit | Student cash back card with straightforward rewards and no annual fee |
| Loyal shopper at one major retailer (like Amazon or Costco) | Store credit card with exclusive discounts and in-store rewards |
Pro tip: You don’t have to pick just one. Pairing multiple cards can help you earn even more. For example, use a tiered category card for your biggest expenses, a flat-rate card for everything else and a rotating 5% cash back card to maximize quarterly bonus categories.
3. Weigh rewards against fees and APR
Most cash back credit cards charge no annual fee, making them easy to keep long term. But in some cases, a card with an annual fee can be worth it — especially if your spending habits help you earn enough rewards to offset the cost.
Example scenario: Here’s an example of how combining cards that match your spending habits can add up. Even if one card charges an annual fee, the right mix can still put more money back in your pocket over time.
| Category | Card used | Card details | Monthly spend | Estimated annual cash back |
|---|---|---|---|---|
| U.S. supermarkets and U.S. streaming | Blue Cash Preferred® Card from American Express |
| $600 | $432* |
| Gas, travel or home improvement | Citi Custom Cash® Card |
| $500 | $300 |
| All other purchases | Wells Fargo Active Cash® Card |
| $900 | $216 |
| $2,000/month (total spend) | $948/year (annual rewards) |
Result: Even after paying the annual fee for the Blue Cash Preferred® Card from American Express, you’d still net about $853 in cash back — showing how a smart mix of cards can easily outperform no-fee options.
4. If there’s no clear-cut winner, do the math.
After narrowing down your options, compare how each card lets you redeem and use your rewards. Also consider bonus features that can boost a card’s value beyond cash back, such as cell phone protection, extended warranty coverage or travel and purchase protections.
Pro tip: We found that 70% of credit card users have unused rewards. If your card offers automatic monthly redemption, turning it on ensures you won’t miss out on the rewards you’ve earned.
Tips to earn more cash back
Once you’ve picked the right cash back card, you can take your rewards even further. With a few smart strategies — like using the right card for each purchase, adding an authorized user and redeeming rewards wisely — you can make every dollar go further.
Use the right card in the right place
Using multiple cash back cards strategically can help you maximize your rewards by earning the highest rate possible on each type of purchase. Think of it as building your own “cash back wallet” where every card has a specific role.
As a LendingTree writer who specializes in credit cards, here’s how I do it:
| Spending category | Card I use | Why it works |
|---|---|---|
| Dining, bars and food delivery | Chase Freedom Unlimited® | Earns an elevated rate on restaurants, breweries and takeout. |
| Amazon purchases | Prime Visa | High rewards on Amazon.com and Whole Foods Market. |
| Target shopping | Target Circle™ Card | Extra savings on purchases at Target and Target.com. |
| All other spending | Wells Fargo Active Cash® Card | Flat-rate 2% cash rewards on purchases. |
By assigning each card to the spending category where it earns the most, you can consistently get more value from your everyday purchases.
Pro tip: You can create your own version of this wallet. For example, use a tiered card for groceries and gas, a rotating 5% card for seasonal bonus categories and a flat-rate card for everything else.
How many credit cards should I have? There’s no perfect number — it depends on your spending habits and ability to manage multiple accounts. Most people do well with a small collection; according to Experian, a consumer has about four active credit cards in rotation on average.
→ See our full guide about how many credit cards you should have.
Add an authorized user
Adding an authorized user, like a spouse or partner, can help you earn rewards faster and simplify shared expenses. Many cash back cards count purchases made by authorized users toward your total rewards, though only the primary cardholder can redeem them.
For example, I added my husband as an authorized user on my cash back cards, and together we earn rewards that help offset home expenses. We usually redeem our cash back as statement credits to lower our balance or as gift cards for big household purchases.
Pro tip: Before adding someone, make sure you trust them to spend responsibly. As the primary cardholder, you’re still responsible for all charges. See our full guide about being an authorized user on a credit card.
Use shopping portals and apps
You can stack rewards by shopping through your card issuer’s online marketplace or app — earning bonus cash back on top of your regular rewards. Try these options:
- Issuer shopping portals:
Access special offers through programs like Chase Offers, Amex Offers or Wells Fargo Deals. - Seasonal promotions:
Look for limited-time deals during holidays, back-to-school or major sales. - Cash-back apps and browser extensions:
Use tools like Rakuten or Capital One Shopping.
Pay your balance in full
Although it may be tempting to use your credit card more to earn extra cash back, it’s important to keep track of your spending and make sure you can pay off your balance in full each month. If you’re unable to do so, interest charges could offset any rewards you’ve earned.
Be strategic about redemption
The best value usually comes from statement credits or direct deposits, since you’re getting full cash value with no restrictions.
Pro tip: Some cards let you unlock even more value by transferring rewards to a travel card. For example, if you have the Chase Freedom Unlimited®, you can move your rewards to a Chase Sapphire Preferred® Card and get up to 75% more value when redeeming through Chase TravelSM with points boost.
→ See our full guide about earning and redeeming Chase Ultimate Rewards® points.
Expert takes on cash back credit cards
LendingTree invited a panel of financial and marketing experts to share their perspectives on how to use cash back credit cards wisely. Their insights break down the psychology behind rewards programs and offer practical tips to help you get the most value from your spending.
Duong “Katie” Pham, Ph.D. Associate Professor of Finance, Georgia Southern University |
Highlights how cash back cards help build credit and loyalty — “Use rewards to pay your balance and watch your points grow with your favorite brands.”
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Charles Lindsey, Ph.D. Associate Professor of Marketing, University at Buffalo |
Notes that the best card depends on spending habits — “Don’t chase rewards at the expense of your budget.”
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Mark Alpert Professor of Marketing, The University of Texas at Austin |
Says 2% cash back cards can outperform travel rewards — “Meaningful rewards and paying in full are key to real value.”
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- Duong “Katie” Pham, Ph.D., Georgia Southern University
Yes. Cash back cards are a smart choice for first-time users because they help build credit history while also saving money through rewards. - Charles Lindsey, Ph.D., University at Buffalo
It depends on the person’s spending habits and cost-benefit balance. Cash back is flexible, but the right card should fit how you spend and whether you can justify any annual fee. - Mark Alpert, The University of Texas at Austin
Yes, but choose one that pays at least 2% back on all purchases. That’s often more valuable than frequent flier miles, which now average closer to 1% in real value.
- Duong “Katie” Pham, Ph.D., Georgia Southern University
Words like “bonus” or “rewards” create external motivation for consumers, helping justify purchases by emphasizing the added benefits alongside what they already want. - Charles Lindsey, Ph.D., University at Buffalo
These terms act like psychological triggers — similar to “sale” or “free” — that can cause people to overvalue rewards and overspend in pursuit of bonuses or tiers - Mark Alpert, The University of Texas at Austin
“Bonus” and “rewards” are buzzwords that only work when the incentives are meaningful and well-designed to fit consumers’ real spending habits.
- Duong “Katie” Pham, Ph.D., Georgia Southern University
The smartest use of cash back is to apply it toward your credit card balance or have it deposited directly into your bank account. You can also redeem for gift cards if they offer extra value. - Charles Lindsey, Ph.D., University at Buffalo
Don’t overspend on chasing rewards. Use cash back to pay down your balance — that’s one of the best “returns” you can get, given today’s high credit card interest rates. - Mark Alpert, The University of Texas at Austin
Always pay your full balance each month (ideally with autopay) to avoid interest. Once you’re debt-free, you can spend or invest your cash back for long-term value.
- Duong “Katie” Pham, Ph.D., Georgia Southern University
Cash back programs are effective at building loyalty because customers enjoy watching rewards accumulate and don’t want to lose what they’ve earned. For businesses, keeping loyal customers is often cheaper than acquiring new ones. - Charles Lindsey, Ph.D., University at Buffalo
Cash back cards still drive loyalty, but with so many available, they’ve become more of a baseline expectation than a true differentiator among credit card issuers. - Mark Alpert, The University of Texas at Austin
Cash back keeps customers loyal as long as rewards are valuable and competitive. Meaningful incentives — like travel upgrades or unique experiences — can deepen that loyalty even further.
Frequently asked questions
The Capital One Savor Cash Rewards Credit Card offers one of the highest cash back rates available. You’ll earn 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services; 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel; 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases.
But the best cash back credit card is the one that gives you rewards on the items you buy most, which varies for everyone.
Credit cards provide cash back rewards to incentivize card usage and customer loyalty. Cardholders receive a percentage of their purchases back as a cash reward, reducing their overall expenses. In the meantime, credit card companies aim to increase spending and profits through interest charges. This creates a win-win relationship for consumers and card issuers.
Yes, cash back rewards can expire. Rules vary between card issuers — with banks like Chase and Capital One allowing you to keep rewards stashed away as long as your account remains open and in good standing. Cash back rewards from U.S. Bank, on the other hand, expire after 36 months — even if your account is open.
Timing varies by issuer, but most cash back redemptions are processed within a few business days. If you choose a statement credit, it typically appears on your next billing cycle. Direct deposits or gift cards may arrive sooner, depending on the bank or retailer.
It depends on the card. Flat-rate cash back cards usually have no earnings cap, so you can earn unlimited rewards on every purchase. However, tiered or rotating category cards may limit how much you can earn at higher bonus rates — for example, 5% on up to $1,500 in quarterly purchases.
Most everyday purchases qualify, including groceries, gas, dining, travel, entertainment and online shopping. However, cash advances, balance transfers and certain bill payments typically don’t earn rewards. Always check your card’s terms and conditions to see which merchants and categories are eligible.
1. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Wells Fargo Active Cash® Card, Chase Freedom Flex®, Citi Custom Cash® Card, Prime Visa, Chase Sapphire Reserve®, Costco Anywhere Visa® Card by Citi, Target Circle™ Card and PayPal Cashback Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
