Put money back in your pocket. Top-rated cards for earning cash back on everyday spending — from groceries and gas to dining and streaming — with no complex redemption required.
Select up to 3 cards to compare
American Express
"The American Express Gold Card offers high rewards in select categories and is ideal for frequent travelers. However, the annual fee might be a deterrent for some."
Goldman Sachs
"The Apple Card is an excellent choice for users within the Apple ecosystem who value simplicity and Apple Pay integration. With no fees and strong daily cash back, especially for Apple Pay transactions, the card stands out among cash back counterparts. It offers flexible redemption and immediate cashback, coupled with enhanced security through advanced technologies like Face ID and Touch ID. However, those seeking robust travel rewards or without an iPhone might find limitations. With strong transparency and satisfactory customer support, this card is ideal for daily use by individuals already immersed in the Apple world."
Citi
"The Citi Strata Elite Card is an excellent option for frequent travelers seeking premium benefits. With high reward multipliers on travel and dining, excellent insurance coverage, and VIP lounge access, it offers considerable value. However, the annual fee is high and bonus categories can be complex for some users."
Chase
"The Chase Freedom Flex Card is a strong choice for consumers looking for a no-annual-fee personal credit card, with significant strength in rotating category cashback, purchase protection, and no foreign transaction fees. It also offers quality app experience and customer support, making it appealing for daily use. However, its travel perks are limited, and the requirement to activate rotating categories might be a hassle for some. Best suited for profiles valuing cash rewards and purchase protections."
Chase
"The Amazon Visa Credit Card by Chase is an excellent choice for frequent Amazon shoppers. With 5% cashback for Prime members, no annual fee, and no foreign transaction fees, it shines in everyday value. However, it offers limited travel benefits and may require good credit for approval. Purchase protection benefits are a notable advantage."
Ramp
"The Ramp Corporate Card is an excellent choice for businesses looking to maximize cashback value with no annual fees. It offers competitive cashback and centralized spending control, ideal for business financial management. However, it is limited in travel perks and does not aid in building credit, as it does not report to credit bureaus."
Bank of America
"The BankAmericard offers a competitive introductory offer with no annual fee and good rewards on everyday purchases but limited travel perks."
Discover
"The Discover it® Cash Back is a personal card focused on cashback rewards. It offers 5% cashback in rotating categories that require quarterly activation and a first-year Cashback Match. The absence of an annual fee or foreign transaction fees, along with excellent customer service, make it attractive, though it has limited travel perks. Ideal for cashback enthusiasts, not suited for frequent travelers."
Discover Bank
"The Discover Cashback Card provides a strong 5% cashback on rotating categories, making it ideal for maximizers looking for rewards without annual fees. With an impressive first-year Cashback Match program and strong fraud protection, it's a solid choice for everyday users. However, rotating categories require activation and attention, with limited travel perks. It's best for those prioritizing daily use and savings."
Chase
"The Chase Freedom Unlimited® offers 1.5% cash back on all purchases, with 5% on travel through Chase Travel and 3% on dining and drugstores. It's an excellent card for daily use with no annual fee and a good welcome bonus, but it does have a foreign transaction fee and lacks lounge access."
American Express
"The American Express Blue Cash Preferred® Card offers an impressive 6% back at U.S. supermarkets on up to $6,000 in annual purchases, 6% on select streaming services, and 3% at gas stations and on transit. Despite a $95 annual fee after the first year, the benefits can easily outweigh this cost for frequent shoppers. The card excels in cashback rewards, purchase protections, and app experience. While its perks are limited for travel, it is ideal for daily use and cashback maximization."
Brex
"The Brex Corporate Card is ideal for growing businesses, offering high credit limits and attractive rewards. It excels with competitive rates like no foreign transaction fees and robust support for international operations. However, mixed reviews on customer service and complex app usage might be hurdles for some companies."
Capital One
"The Capital One Savor Rewards for Students card is ideal for college students wanting cashback in various spending categories without annual or foreign transaction fees. Offering 3% rates on dining, entertainment, and streaming services, it provides excellent ongoing value. However, the lack of an introductory APR and a high ongoing APR could be drawbacks."
Discover
"The Discover it® Student Chrome card is an excellent choice for students looking to earn rewards while building credit. It offers 2% cashback at gas stations and restaurants on up to $1,000 in combined quarterly purchases, and 1% on all other purchases. The intro Cashback Match offer is particularly valuable, doubling your rewards in the first year without a minimum spend requirement. There's no annual fee, and no foreign transaction fee, making it convenient for students traveling abroad. The card aids credit building by reporting payments to all three major credit bureaus and provides useful educational tools. However, it has caps on reward categories and lacks travel benefits, which might be a consideration for students planning to study abroad."
Upgrade
"The Upgrade Triple Cash offers a high cashback rate with no annual fee, making it ideal for businesses looking to maximize returns on everyday purchases. However, it has limited travel benefits."
Mercury
"The Mercury IO Card is an excellent choice for businesses seeking a credit solution with no annual fee and up to 1.5% cashback on all purchases. Ideal for startups and tech companies looking to maximize their return, this card offers flexibility with a credit limit adjusted by the Mercury account balance. While it lacks travel benefits, it compensates with usability, spend control tools, and no international fees."
Capital One
"The Capital One REI Co-op Mastercard is a great option for REI frequent shoppers, offering up to 5% cashback on REI purchases and 1.5% elsewhere. It's a no-annual-fee card, making it cost-effective and appealing for everyday purchases. However, it lacks travel perks and an intro bonus, making it more suitable for general spending and committed REI users."
Bank of America
"The card offers unlimited 1.5% cashback on all purchases with no annual fee, making it ideal for small businesses seeking simplicity and everyday benefits."
X1
"The X1 Card is an attractive option for those seeking solid cashback rewards and a robust app experience, without foreign transaction fees. However, it lacks strong travel benefits and an introductory offer, making it less ideal for frequent travelers."
Capital One
"The Capital One Key Rewards Visa is a personal credit card that excels with its high base cashback rate of 5% and no annual fee, making it an attractive choice for users prioritizing everyday rewards. It also stands out for its flexibility in redeeming rewards and robust digital features, such as contactless payment capabilities and digital wallets like Apple Pay and Google Pay. However, it does not offer substantial value for users looking for travel perks and has poor customer support as per user reviews. It's ideal for those seeking no-fee cards with good returns on daily spend, but not for those aiming for high travel perks."
Chase
"The Amazon Prime Visa card from Chase is ideal for frequent Amazon and Whole Foods shoppers, offering 5% cashback on these purchases with no annual fee. It also provides travel and purchase protection insurance. However, travel perks are limited and a Prime membership is required for the best cashback rates. It stands out for having no foreign transaction fees, but customer support seems to be average according to various user reviews."
Gemini
"The Gemini Credit Card offers up to 4% crypto back on eligible purchases with no annual fees and no foreign transaction fees. It's ideal for crypto enthusiasts and users who value instant rewards across a diverse portfolio of currencies. However, the card offers limited travel perks and adds complexity in managing crypto rewards."
Capital One
"The Capital One Walmart Rewards Card offers significant cashback for Walmart purchases with no annual fee. It's ideal for frequent Walmart shoppers and those avoiding annual fees. App experience and ease of use are highlights, but the card lacks introductory offers and is less appealing for frequent travelers."
U.S. Bank
"The U.S. Bank Business Triple Cash Rewards Visa® Card is a strong option for small business owners aiming to maximize rewards without an annual fee. It offers 3% cashback on key categories like gas stations, office supply stores, restaurants, and cell phone service providers. The card comes with a good welcome bonus and a competitive intro APR. However, it has limited travel perks and a lower base cashback rate of 1% on other categories, which might be a constraint for some users."
Upgrade
"This card offers excellent rewards for frequent travelers and is ideal for daily use."
Chase
"The Chase Ink Business Unlimited card is a strong option for small business owners looking for cashback solutions. It offers 1.5% unlimited cashback on all purchases with no annual fee, providing flexibility with ease of redemption and good purchase and travel protections. However, it's not the best choice for balance transfers or international travel due to its lack of specific benefits in these areas."
Barclays
"The American Express Blue Business Cash™ Card is an excellent choice for small business owners looking for a low-cost option with no annual fee, offering 2% cashback on eligible purchases up to $50,000 annually, after which it decreases. Advantages include strong purchase protections, a superior app experience, and flexible redemption options. However, it is limited in travel benefits and credit building, and the cashback becomes capped after the predefined limit. It's ideal for businesses valuing every penny and keeping spendings within the cashback limit."
Capital One
"The Capital One Spark 1.5% Cash Plus card is perfect for business owners aiming for competitive cashback returns on every purchase. With unlimited 2% cashback and no foreign transaction fees, it stands out for businesses making frequent purchases both domestically and internationally. However, despite a solid cashback program, travel perks are limited, and customer support experiences can be inconsistent. Enhanced perks could cater better to a demanding business audience."
Bank of America
"The Bank of America Cash Rewards Credit Card offers competitive cashback with the ability to earn up to 6% in the category of your choice in the first year. With no annual fee, the card offers a good app experience and flexible redemption options. However, it has limited travel benefits and charges foreign transaction fees."
Citibank
"The Costco Anywhere Visa® Card by Citi is an excellent choice for Costco members, providing high cashback rewards on gas, dining, and travel purchases. It has no annual fee or foreign transaction fees. Drawbacks include the need for a Costco membership and limited redemption flexibility, as rebates are only issued annually. It's great for frequent spenders in these categories but less suited for those seeking point and mile flexibility."
