Looking to earn more from your everyday spending? Cashback credit cards turn routine purchases—like groceries, gas, dining, or online shopping—into valuable rewards. Instead of just swiping and forgetting, these cards give you money back every time you spend. Whether you want flat-rate cashback on everything or higher rewards in specific categories, there’s a card that fits your lifestyle.
In this guide, we’ve rounded up the best cashback credit cards of 2025. Each one offers strong rewards, useful perks, and real savings—helping you stretch your money further without changing your habits.
Here are the best cashback credit cards in 2025 that help you save and earn at the same time.
🏆 Top 10 Cashback Credit Cards
| Rank | Credit Card | Best For | Cashback Rate | Annual Fee |
|---|---|---|---|---|
| 1 | Everyday Cashback+ Card | Daily Rewards | 2% | $0 |
| 2 | Citi Custom Cash® Card | Custom Categories | 5% on top category | $0 |
| 3 | Chase Freedom Unlimited® | Flat-Rate + Bonus Categories | 1.5% + bonus rates | $0 |
| 4 | Blue Cash Preferred® from Amex | Groceries & Streaming | Up to 6% | $95 |
| 5 | Discover it® Cash Back | Rotating Categories | 5% on quarterly categories | $0 |
| 6 | Wells Fargo Active Cash® Card | Simple Flat Rate | 2% on all purchases | $0 |
| 7 | Capital One SavorOne Cash Rewards | Dining & Entertainment | 3%–8% | $0 |
| 8 | Bank of America® Customized Cash | Custom Cashback | 3% in your chosen category | $0 |
| 9 | U.S. Bank Cash+® Visa Signature® | Bonus Category Control | 5% in chosen categories | $0 |
| 10 | PayPal Cashback Mastercard® | Online Shopping | 3% via PayPal | $0 |
How We Review Credit Cards
When reviewing cashback credit cards, we focus on features that bring real value to users:
- Welcome Offers: A solid signup bonus can give a great head start.
- Rewards Rates: Whether it’s a flat-rate or tiered system, the amount you get back matters.
- Annual Fees: A card should justify any fees with extra benefits.
- Intro APR Offers: Helpful for balance transfers or big purchases.
- Perks: Extras like purchase protection, travel insurance, or exclusive discounts.
- Reputation: User satisfaction, reviews, and customer service quality.
Each card in this list has been selected with these criteria in mind to ensure you get the most bang for your buck.
Card Reviews
Everyday Cashback+ Card
Best for: Consistent Daily Rewards
Description:
A reliable cashback card that offers a solid flat-rate on every purchase—no categories, no rotating limits, just pure rewards every time you spend. Great for people who value simplicity and want a predictable way to earn on everything they buy.
Key Features:
- 2% unlimited cashback on all purchases
- $200 welcome bonus after spending $750 in 3 months
- $0 annual fee
- 0% intro APR for 15 months on purchases and balance transfers
- Free credit monitoring and fraud protection
Pros:
- Simple flat-rate cashback with no activation
- Easy-to-reach welcome bonus
- No annual fee
Cons:
- No boosted rewards for specific categories
- Lacks luxury or travel perks
Citi Custom Cash® Card
Best for: Tailored Rewards
Description:
Automatically earns 5% cashback on your highest spending category each billing cycle, no activation needed. It’s a hands-free way to get more from your everyday purchases. Perfect for people with consistent monthly habits.
Key Features:
- 5% on top spending category (up to $500/month)
- 1% on all other purchases
- $200 bonus after $1,500 spend in 6 months
- $0 annual fee
- 0% intro APR for 15 months
- Contactless payment + mobile wallet support
Pros:
- Auto-adjusts to your top category
- Easy-to-earn welcome bonus
- No annual fee
Cons:
- 5% capped at $500 monthly
- Only one category earns 5% each cycle
Chase Freedom Unlimited®
Best for: Everyday Bonus Cashback
Description:
A versatile cashback card with 1.5% base rewards and higher rates on dining, travel, and drugstores. A generous welcome offer boosts your first-year earnings. Great for people who spend across multiple categories.
Key Features:
- 1.5% on all purchases
- 3% on dining & drugstores, 5% on travel via Chase
- Extra 1.5% bonus on all spending (up to $20K in first year)
- $0 annual fee
- 0% intro APR for 15 months
- Purchase protection and travel coverage
Pros:
- First-year boosted cashback
- No fee, strong ongoing rewards
- Broad bonus categories
Cons:
- Travel bonus requires Chase portal
- Good to excellent credit needed
Blue Cash Preferred® Card from American Express
Best for: Families & Streaming Buffs
Description:
Earns a massive 6% cashback at U.S. supermarkets and on popular streaming services. Ideal for families with high grocery spending. Also provides solid transit and gas rewards.
Key Features:
- 6% on groceries (up to $6,000/year)
- 6% on streaming services
- 3% on transit and gas
- $250 bonus after $3,000 spend in 6 months
- $95 annual fee (waived first year)
- 0% intro APR for 12 months
- Return protection and car rental insurance
Pros:
- Highest cashback on groceries and streaming
- Great for everyday household needs
- Useful Amex protections
Cons:
- Annual fee applies after first year
- Grocery rewards capped
💡 Insider tip – Most of us have more than just one credit card, and sometimes it may get confusing to navigate between them and decipher when to use which. Karma recently released a credit card comparison feature, which tells you which card will give you the maximum rewards on each specific purchase. It’s an amazing addition to your online wallet, and it doesn’t require
Discover it® Cash Back
Best for: Rotating Bonus Categories
Description:
Features 5% cashback on changing categories each quarter, like gas, Amazon, or dining. Known for its first-year Cashback Match that doubles all rewards. A solid pick for varied spending patterns.
Key Features:
- 5% on quarterly rotating categories (activation required)
- 1% on all other purchases
- Cashback Match at the end of the first year
- $0 annual fee
- 0% intro APR for 15 months
- Free FICO score & fraud alerts
Pros:
- First-year rewards doubled
- No annual fee
- Good customer support
Cons:
- Activation required for 5% categories
- Spending cap on 5% rewards
Wells Fargo Active Cash® Card
Best for: Simple Flat Cashback
Description:
Offers unlimited 2% cashback on all purchases, with no categories or activation required. Clean, reliable, and straightforward. Great for people who want a no-hassle cashback card.
Key Features:
- 2% unlimited cashback on everything
- $200 bonus after $500 spend in 3 months
- $0 annual fee
- 0% intro APR for 15 months
- Cell phone protection included
- Visa Signature perks
Pros:
- Flat 2% on every purchase
- No category tracking needed
- Strong bonus for low spend
Cons:
- No elevated rates for select categories
- Limited travel-related perks
Capital One SavorOne Cash Rewards
Best for: Dining & Entertainment
Description:
This card rewards you for living your life—earn high cashback on restaurants, streaming, entertainment, and groceries. A top choice for foodies, socializers, and content lovers.
Key Features:
- 3% on dining, groceries, entertainment, and streaming
- 1% elsewhere
- $200 bonus after $500 spend
- $0 annual fee
- 0% intro APR for 15 months
- Extended warranty and travel insurance
Pros:
- Wide bonus category coverage
- Great for food and entertainment
- No annual fee
Cons:
- No bonus on travel or fuel
- Lower cashback on general purchases
Bank of America® Customized Cash Rewards
Best for: Pick-Your-Own Categories
Description:
Gives you control over your cashback—choose your 3% category each month. Combine with Bank of America’s Preferred Rewards for even more earnings. A flexible card for planners.
Key Features:
- 3% in your chosen category (gas, online shopping, etc.)
- 2% at grocery and wholesale clubs
- 1% elsewhere
- $200 bonus after $1,000 spend in 90 days
- $0 annual fee
- 0% intro APR for 15 months
- Cashback boosts with Preferred Rewards
Pros:
- Customizable categories
- Higher earnings with banking relationship
- Solid intro bonus
Cons:
- 3%/2% capped at $2,500 per quarter
- Requires regular category management
U.S. Bank Cash+® Visa Signature® Card
Best for: Bonus Category Control
Description:
Pick two 5% categories and one 2% everyday category. Great for strategic spenders who want to maximize cashback in targeted areas. Requires quarterly setup.
Key Features:
- 5% cashback on 2 chosen categories (up to $2,000/qtr)
- 2% on one everyday category (like gas/groceries)
- 1% on all other purchases
- $200 bonus after $1,000 spend in 120 days
- $0 annual fee
- 0% intro APR for 15 billing cycles
- Zero fraud liability and credit score access
Pros:
- Highly customizable rewards
- Strong cashback potential
- No annual fee
Cons:
- Must reselect categories quarterly
- Complex for casual users
PayPal Cashback Mastercard®
Best for: Online Shopping
Description:
Earns 3% cashback on PayPal purchases and 2% on everything else. Designed for digital-first users who shop frequently online. No bonus or intro APR, but strong everyday value.
Key Features:
- 3% cashback on PayPal purchases
- 2% on all other purchases
- $0 annual fee
- No welcome bonus or intro APR
- No redemption minimum
- Simple tracking via PayPal dashboard
Pros:
- High rate on online shopping
- Strong for frequent PayPal users
- No limits or categories to track
Cons:
- No signup bonus or intro APR
- Lacks travel or premium perks
Conclusion
Choosing the right cashback credit card depends on how and where you spend. Whether you’re looking for bonus categories, flat rates, or flexible perks, there’s something for everyone on this list.
But no matter which card you pick, pairing it with the Karma supercharges your savings. Karma helps you save more through:
- Maximizing Credit Card Rewards: Karma tells you which of your cards is best for each individual purchase.
- Price Drop Alerts: Get notified when a saved item goes on sale.
- Automatic Coupon Application: Karma finds and applies the best coupons for you.
- Cashback Integration: Combine card rewards with Karma’s deals to double your savings.
Download Karma today and make every dollar count—before and after your purchase.
