Best Cashback Credit Cards of 2025
As consumers continue to seek ways to maximize their spending power, cashback credit cards remain a popular choice due to their straightforward rewards structures. In 2025, several standout options have emerged, offering impressive cashback rates, sign-up bonuses, and unique benefits. Below is a detailed examination of the best cashback credit cards available, tailored for diverse spending habits and lifestyles.
1. Chase Freedom Unlimited®
- Cashback Rate: Earn 1.5% on every purchase. Additionally, earn 3% on dining and drugstore purchases and 5% on travel purchased through Chase Ultimate Rewards.
- Sign-Up Bonus: New cardholders can earn a $200 bonus after spending $500 in the first 3 months from account opening.
- Annual Fee: $0
- Benefits: This card offers a great mix of constant cash rewards across all spending categories. Additionally, cardholders benefit from no foreign transaction fees, making it ideal for travelers. The card also features integration with the Chase Ultimate Rewards program, allowing users to combine points with other Chase cards.
2. Citi® Double Cash Card
- Cashback Rate: 1% on purchases and an additional 1% as you pay for those purchases. This makes it possible to earn 2% cashback on every purchase.
- Sign-Up Bonus: As of 2025, no sign-up bonus is offered, but the ongoing cashback structure offers long-term value.
- Annual Fee: $0
- Benefits: This card is praised for its simplicity—no categories to track or activate. Its unique structure of earning cashback at both the purchase and payment stages encourages responsible spending and offers significant rewards for consistent users.
3. Discover it® Cash Back
- Cashback Rate: Earn 5% cashback on categories that rotate each quarter, such as grocery stores, gas stations, and restaurants, up to the quarterly maximum. Earn 1% on all other purchases.
- Sign-Up Bonus: Discover matches all the cashback you earn in your first year, making it effectively 10% on rotating categories for new users.
- Annual Fee: $0
- Benefits: The card is especially appealing due to its rotating categories, which can yield high rewards for users willing to track and maximize their spending. Discover also offers tools and alerts to help users stay informed about their cashback opportunities.
4. Blue Cash Preferred® Card from American Express
- Cashback Rate: Earn 6% cashback on up to $6,000 spent each year at U.S. supermarkets, 6% on select U.S. streaming subscriptions, 3% on transit and U.S. gas stations, and 1% on other purchases.
- Sign-Up Bonus: New cardholders can receive a $300 statement credit after spending $3,000 in the first 6 months.
- Annual Fee: $95
- Benefits: This card shines for families who spend heavily on groceries and streaming services. The higher cashback categories provide significant savings for everyday expenses, while the card’s extensive benefits, including purchase protection and extended warranty offerings, enhance its overall appeal.
5. Bank of America® Customized Cash Rewards Credit Card
- Cashback Rate: Earn 3% cashback on a category of your choosing (gas, online shopping, dining, travel, drug stores, or home improvement) and 2% at grocery stores and wholesale clubs, on up to $2,500 in combined choice category/grocery store purchases each quarter.
- Sign-Up Bonus: New cardholders can receive a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- Annual Fee: $0
- Benefits: Flexibility is key with this card, as cardholders can change their 3% category anytime, providing tailored rewards for evolving spending habits. Bank of America also offers a unique Online Banking feature that allows users to optimize their cashback potential.
6. Wells Fargo Active Cash® Card
- Cashback Rate: Earn unlimited 2% cashback on all purchases.
- Sign-Up Bonus: Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months.
- Annual Fee: $0
- Benefits: This card has been designed for simplicity and ease of use. Its flat rate of 2% on all purchases is competitive and stands out in the cashback landscape, ideal for users who do not wish to monitor rotating categories.
7. Capital One Quicksilver Cash Rewards Credit Card
- Cashback Rate: Earn 1.5% on every purchase.
- Sign-Up Bonus: New users can earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months.
- Annual Fee: $0
- Benefits: This card is great for users who value straightforward rewards and benefits. The absence of foreign transaction fees and rewards on every dollar spent make it an ideal choice for international travelers.
8. U.S. Bank Cash+™ Visa Signature® Card
- Cashback Rate: Earn 5% on your first $2,000 in combined eligible purchases in two categories you choose each quarter, 2% on grocery stores, gas stations, and restaurants, and 1% on all other purchases.
- Sign-Up Bonus: New cardholders can earn a $200 cash bonus after spending $1,000 in eligible purchases in the first 120 days.
- Annual Fee: $0
- Benefits: The flexibility in selecting cashback categories makes this card a standout. This allows cardholders to tailor their rewards to their spending styles, especially beneficial for those who regularly shop in certain categories each quarter.
9. American Express Cash Magnet® Card
- Cashback Rate: Earn 1.5% cashback on all purchases.
- Sign-Up Bonus: Get a one-time $200 cash bonus after making $1,000 in purchases during the first 3 months.
- Annual Fee: $0
- Benefits: Promoted for its convenience, this card offers a straightforward cashback experience without the hassle of managing rotating categories, appealing to users seeking simplicity paired with solid rewards.
10. Travel Rewards Card for Students from Discover
- Cashback Rate: 1% cashback on all purchases and 5% on rotating categories each quarter.
- Sign-Up Bonus: Discover matches all the cashback earned in the first year of account opening for new users.
- Annual Fee: $0
- Benefits: This card is particularly beneficial for students, not only for earning cashback but also for establishing credit. With no annual fee and a match in the first year, it allows for a risk-free introduction to credit card use.
Final Selection Tips
When choosing a cashback credit card in 2025, consider your spending habits to maximize rewards. Look for cards with no annual fees if you prefer simplicity and a straightforward cashback structure. For those willing to track categories, cards with higher rewards rates on specific expenses can yield better long-term savings. Additionally, sign-up bonuses can provide an excellent initial boost to your cashback earnings, making it worthwhile to compare options before applying. Whether you prioritize high cashback percentages, flexible rewards categories, or no annual fees, there’s a perfect card for everyone in today’s marketplace.
