Cash back credit cards
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CK Editors’ Tips††: Cash back cards offer rewards on your purchases, either at a flat rate on everything or with elevated rates in certain bonus categories. These cards are usually best if you want clear value for your most common purchases.Read more
What to consider when choosing a cash back credit card
Cash back credit cards don’t always offer the best rewards value, but they do tend to be more straightforward and easier to manage than travel rewards credit cards. When shopping for cash back cards, consider where you do most of your spending and what it will take to earn your rewards. Focusing on your spending habits can help you decide on key choices like paying an annual fee, going for a flat rate on all purchases or bonus categories, and opting for rotating categories or consistent bonus rewards.
Cash back credit cards don’t always offer the best rewards value, but they do tend to be more straightforward and easier to manage than travel rewards credit cards. When shopping for cash back cards, consider where you do most of your spending and what it will take to earn your rewards. Focusing on your spending habits can help you decide on key choices like paying an annual fee, going for a flat rate on all purchases or bonus categories, and opting for rotating categories or consistent bonus rewards.
How we picked the best cash back credit cards
We chose the best cash back credit cards to answer several key questions people may ask when shopping for rewards cards. Some people might choose between flat-rate rewards and maximizing cash back, while others might want to find the best card for gas or groceries purchases. No matter the approach, we wanted to address these common use cases to help you find the right cards for your needs. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksWe chose the best cash back credit cards to answer several key questions people may ask when shopping for rewards cards. Some people might choose between flat-rate rewards and maximizing cash back, while others might want to find the best card for gas or groceries purchases. No matter the approach, we wanted to address these common use cases to help you find the right cards for your needs. Read more about our methodology for picking the best credit cards.
Great for straightforward rewards††
Great for straightforward rewards††
Avant Cash Back Rewards Card
Rewards rate
1%Cash backAnnual fee
$0
Rewards rate
1% Cash back
Annual fee
$0
- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted
- No Limit On The Monthly Rewards You Can Earn
Great for access to unsecured credit††
Great for access to unsecured credit††
Petal® 1 Rise Visa® Credit Card
Rewards rate
2% - 10%Cash backAnnual fee
$59
Rewards rate
2% - 10% Cash back
Annual fee
$59
- No security deposit required
- 2-10% cash back at select local and national merchants
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Wells Fargo Active Cash® Card
Rewards rate
2%Cash backAnnual fee
$0Welcome bonus
$200
Rewards rate
2% Cash back
Annual fee
$0
Welcome bonus
$200
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo’s underwriting criteria
- Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.
Great for high cash back rates††
Great for high cash back rates††
Capital One Savor Cash Rewards for Good Credit
Rewards rate
1% - 8%Cash backAnnual fee
$0
Rewards rate
1% - 8% Cash back
Annual fee
$0
- 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
Great for straightforward rewards††
Great for straightforward rewards††
Credit One Bank American Express® Card
Rewards rate
1%Cash backAnnual fee
$39
Rewards rate
1% Cash back
Annual fee
$39
- Earn unlimited 1% cash back rewards on all purchases, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Great for building credit††
Great for building credit††
First Latitude Assent Mastercard® Secured Credit Card
Rewards rate
1%Cash backAnnual fee
$0
Rewards rate
1% Cash back
Annual fee
$0
- A Tax Refund Could be an Opportunity to Improve Your Credit.¹
- Choose the First Latitude Assent Card and enjoy $0 Annual Fee!
Great for a low security deposit††
Great for a low security deposit††
First Latitude Elite Mastercard® Secured Credit Card
Rewards rate
1%Cash backAnnual fee
$29
Rewards rate
1% Cash back
Annual fee
$29
- Your Tax Refund Could be the Key to Improving Your Credit in 2025!¹
- Choose our First Latitude Elite Card for a lower annual APR!
Great for cash back and average credit††
Great for cash back and average credit††
Capital One QuicksilverOne Cash Rewards Credit Card
Rewards rate
1.5% - 5%Cash backAnnual fee
$39
Rewards rate
1.5% - 5% Cash back
Annual fee
$39
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Great for simple cash back††
Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
Rewards rate
1.5% - 5%Cash backAnnual fee
$0Welcome bonus
$200
Rewards rate
1.5% - 5% Cash back
Annual fee
$0
Welcome bonus
$200
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Great for paying off major expenses††
Great for paying off major expenses††
Upgrade Triple Cash Rewards Visa®
Rewards rate
3%Cash backAnnual fee
$0
Rewards rate
3% Cash back
Annual fee
$0
- Unlimited cash back on payments - 3% on Home, Health and Auto categories
- No annual fee
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.