Best Cash Back Credit Cards
The top cash back credit cards ranked by earning rates, bonus categories, and signup offers — all with no annual fee unless noted.
Cash back cards are the simplest way to earn rewards — no points to transfer, no portals to navigate, just money back on your spending. We've ranked the best options based on signup bonus value and ease of earning it, ongoing cash back rates across categories, and whether any annual fee is justified by the rewards you'll actually earn.
Quick Comparison
| # | Card | Annual Fee | Signup Bonus | Top Category | Base Rate | Intro APR |
|---|---|---|---|---|---|---|
1 |  Chase Freedom FlexBest Overall | $0 | $200 | 5% Rotating Categories | 1% | 0% for 15mo |
22 |  Chase Freedom UnlimitedBest for Everyday Spending | $0 | $250 | 5% Travel (via Portal) | 1.5% | 0% for 15mo |
31 |  Discover it Cash BackBest First-Year Value | $0 | - | 5% Rotating Categories | 1% | 0% for 15mo |
41 |  Wells Fargo Active CashBest Flat Rate | $0 | $200 | 2% Everything Else | 2% | 0% for 12mo |
51 |  Citi Custom CashBest Category Flexibility | $0 | $200 | 5% Rotating Categories | 1% | 0% for 15mo |
61 | $0 | $200 | 2% Everything Else | 2% | 0% BT for 18mo | |
7 | $0 | $200 | 3% Groceries | 1% | 0% for 15mo | |
8 | $0 | $150 | 5% Amazon.com | 1% | - | |
9 | $0 | 20,000 points (~$200) | 3x Dining | 1x | 0% for 12mo | |
101 | $0 | $100 | 4% Entertainment | 1% | 0% for 12mo | |
111 | $39 | - | 3% Dining | 1% | 0% for 12mo | |
12 | $0 | $500 | 2% Everything Else | 2% | 0% for 12mo | |
13 | $0 | $200 | 5% Hotels & Car Rentals (via Portal) | 1.5% | 0% for 15mo |
Earn $200 after $500 in 3 months
5% cash back on rotating quarterly categories and Chase Travel, 3% on dining and drugstores, 1% on everything else. Earn a $200 bonus after just $500 in spending with no annual fee.
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Earn $250 after $500 in 3 months
1.5% cash back on everything plus 3% on dining and drugstores, 5% on Chase Travel. Earn a $250 bonus after $500 in spending with no annual fee.
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0% intro APR for 15 months on purchases & balance transfers
5% on rotating quarterly categories and 1% on everything else. Discover matches all cash back in your first year — effectively doubling to 10% and 2%. No annual fee, no signup minimum, and 15-month purchase intro APR.
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Earn $200 after $500 in 3 months
2% cash back on every purchase with no annual fee, no spending caps, and no categories to track. Earn a $200 bonus after $500 in spending.
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Earn $200 after $1,500 in 6 months
5% cash back on your highest spending category each month (capped at $500/month) from dining, gas, groceries, transit, streaming, and more, 1% elsewhere. Earn a $200 bonus after $1,500 in 6 months with no annual fee.
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Earn $200 after $1,500 in 6 months
2% cash back on everything with a unique 1%-on-purchase, 1%-on-payment structure and no annual fee. Earn a $200 bonus after $1,500 in 6 months.
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Earn $200 after $2,000 in 6 months
3% at U.S. supermarkets (up to $6,000/year), 3% on gas, 3% on online shopping, 1% elsewhere. Earn a $200 bonus after $2,000 in 6 months with no annual fee.
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Earn $150 after $0 in 0 months
5% back at Amazon and Whole Foods for Prime members, 5% on Chase Travel, 2% on dining, gas, and transit, 1% elsewhere. Earn a $150 bonus with no spend requirement.
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Earn 20,000 points (~$200 est. value) after $1,000 in 3 months
3% cash back on dining, travel, gas, transit, and streaming, 1% on everything else. Earn a 20,000-point bonus ($200 value) after $1,000 in 3 months with no annual fee.
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Earn $100 after $500 in 3 months
4% cash back on fitness, wellness, sports, live events, pet supplies, transit, and EV charging, 1% on everything else. Earn a $100 bonus after $500 in spending with no annual fee.
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0% intro APR for 12 months on purchases & balance transfers
3% cash back on dining, groceries, entertainment, and streaming, 1% on everything else. Earn a $200 bonus after $500 in spending, but includes a $39 annual fee.
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Earn $500 after $5,000 in 3 months
2% cash back on all business purchases with no annual fee and no spending caps. Earn a $500 bonus after $5,000 in 3 months — the highest flat bonus available.
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Earn $200 after $500 in 3 months
1.5% cash back on everything with no annual fee, no rotating categories, and no spending caps. Earn a $200 bonus after $500 in spending.
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