Best Credit Cards with Cashback 2025: A Comprehensive Guide
In today’s digital age, credit cards have become an essential tool for managing finances, making purchases, and earning rewards. One of the most popular types of rewards is cashback, which offers consumers a percentage of their purchase back as a credit to their account or a check by mail. With numerous credit card options available, choosing the best one can be overwhelming. In this article, we will explore the best credit cards with cashback in 2025, their features, benefits, and requirements.
Why Choose a Cashback Credit Card?
Before diving into the best cashback credit cards, let’s discuss why they’re a popular choice among consumers. Here are some reasons why cashback credit cards are attractive:
- Easy Rewards Earning: Cashback credit cards make it simple to earn rewards on everyday purchases, eliminating the need to track points or redeem complex rewards programs.
- Immediate Rewards: The cashback reward is typically credited to your account or mailed to you shortly after the billing cycle, making it a convenient way to earn rewards.
- Flexibility: Cashback credit cards usually offer flexible rewards redemption options, allowing you to use your rewards for statement credits, checks, or even merchandise.
Best Cashback Credit Cards 2025
Now that we’ve discussed the benefits of cashback credit cards, let’s explore the top credit cards in this category. Here are our top picks for the best cashback credit cards in 2025:
1. Citi Double Cash Card
- Earning Rate: 2% cashback on all purchases
- Rewards Redemption: Statement credits, checks, or merchandise
- Annual Fee: $0 (first year), then $95
- Interest Rate: 15.99% – 25.99% (Variable)
The Citi Double Cash Card is one of the most popular cashback credit cards due to its straightforward 2% earning rate on all purchases. There are no categories to track or rotating rewards, making it easy to earn rewards on everyday expenses. The card also comes with no foreign transaction fees and an introductory APR of 0% for 18 months on balances transferred within 4 months of account opening.
2. Chase Freedom Unlimited
- Earning Rate: 3% cashback on all purchases in your first year up to $20,000 spent
- Rewards Redemption: Statement credits, checks, or merchandise
- Annual Fee: $0
- Interest Rate: 14.99% – 23.74% (Variable)
The Chase Freedom Unlimited is another top cashback credit card that offers 3% cashback on all purchases in your first year up to $20,000 spent. Additionally, you’ll earn 1.5% cashback on all other purchases. The card has no foreign transaction fees and an introductory APR of 0% for 15 months on purchases and balance transfers.
3. Discover it Cash Back
- Earning Rate: 5% cashback on various categories throughout the year, such as gas stations, grocery stores, and restaurants
- Rewards Redemption: Statement credits, checks, or merchandise
- Annual Fee: $0
- Interest Rate: 11.99% – 22.99% (Variable)
The Discover it Cash Back is a rotating cashback credit card that offers 5% cashback on various categories throughout the year. Additionally, you’ll earn 1% cashback on all other purchases. The card has no foreign transaction fees and no annual fee. Discover will also match all the cashback you’ve earned at the end of your first year.
4. American Express Blue Cash Preferred
- Earning Rate: 6% cashback on groceries, 3% cashback on gas, and 1% cashback on all other purchases
- Rewards Redemption: Statement credits, checks, or merchandise
- Annual Fee: $95
- Interest Rate: 12.99% – 23.99% (Variable)
The American Express Blue Cash Preferred is a great option for those who spend a lot on groceries and gas. You’ll earn 6% cashback on groceries, 3% cashback on gas, and 1% cashback on all other purchases. The card also comes with an introductory APR of 0% for 12 months on purchases and balance transfers.
5. Capital One Quicksilver Cash Rewards
- Earning Rate: Unlimited 1.5% cashback on all purchases
- Rewards Redemption: Statement credits, checks, or merchandise
- Annual Fee: $0
- Interest Rate: 14.49% – 24.49% (Variable)
The Capital One Quicksilver Cash Rewards is a straightforward cashback credit card that offers unlimited 1.5% cashback on all purchases. There are no rotating rewards categories or limits on earning, making it easy to earn rewards on everyday expenses. The card also comes with no foreign transaction fees.
6. Bank of America Cash Rewards credit card
- Earning Rate: 3% cashback on gas and 2% cashback at grocery stores and wholesale clubs
- Rewards Redemption: Statement credits, checks, or merchandise
- Annual Fee: $0
- Interest Rate: 12.99% – 23.99% (Variable)
The Bank of America Cash Rewards credit card is a great option for those who spend a lot on gas and groceries. You’ll earn 3% cashback on gas and 2% cashback on grocery stores and wholesale clubs. The card also comes with no foreign transaction fees and an Introductory APR of 0% for 12 billing cycles on purchases and balance transfers.
7. Wells Fargo Propel American Express Card
- Earning Rate: 3% cashback on dining, 2% cashback on gas, and 1% cashback on all other purchases
- Rewards Redemption: Statement credits, checks, or merchandise
- Annual Fee: $0 first year, then $95
- Interest Rate: 12.99% – 24.99% (Variable)
The Wells Fargo Propel American Express Card is a great option for those who spend a lot on dining and gas. You’ll earn 3% cashback on dining, 2% cashback on gas, and 1% cashback on all other purchases. The card also comes with no foreign transaction fees and an introductory APR of 0% for 12 months on purchases and balance transfers.
Best Cashback Credit Cards for Travel
If you’re a frequent traveler, you’ll want to consider credit cards that offer travel-related rewards. Here are our top picks for the best cashback credit cards for travel:
1. Chase Sapphire Preferred
- Earning Rate: 2X points on travel and dining purchases and 1X point on all other purchases
- Rewards Redemption: Travel and transfer points to airline miles or hotel loyalty programs
- Annual Fee: $95
- Interest Rate: 15.99% – 22.99% (Variable)
The Chase Sapphire Preferred is a popular travel credit card that offers 2X points on travel and dining purchases and 1X point on all other purchases. You can redeem your points for travel and transfer them to airline miles or hotel loyalty programs.
2. Capital One Venture Rewards
- Earning Rate: 2X miles on all purchases and 10X miles on hotels and rental cars booked through Capital One Travel
- Rewards Redemption: Travel, travel-related expenses, or transfer miles to airline miles or hotel loyalty programs
- Annual Fee: $0 first year, then $95
- Interest Rate: 14.49% – 24.49% (Variable)
The Capital One Venture Rewards is a great option for travel enthusiasts. You’ll earn 2X miles on all purchases and 10X miles on hotels and rental cars booked through Capital One Travel. You can redeem your miles for travel, travel-related expenses, or transfer them to airline miles or hotel loyalty programs.
3. Bank of America Travel Rewards credit card
- Earning Rate: 1.5X points on all purchases
- Rewards Redemption: Travel, travel-related expenses, or transfer points to airline miles or hotel loyalty programs
- Annual Fee: $0 first year, then $95
- Interest Rate: 12.99% – 23.99% (Variable)
The Bank of America Travel Rewards credit card is a great option for those who want a simple travel credit card. You’ll earn 1.5X points on all purchases and can redeem your points for travel, travel-related expenses, or transfer them to airline miles or hotel loyalty programs.
How to Choose the Best Cashback Credit Card for You
When choosing a cashback credit card, consider the following factors:
- Earning Rate: Look for credit cards with higher earning rates on the categories you spend the most on.
- Rotating Rewards: Consider credit cards with rotating rewards categories, but be aware of any limits on earning.
- Introductory APR: Check if the credit card offers an introductory APR promotion, which can help you save on interest charges.
- Annual Fee: Consider credit cards with no annual fee or a lower fee if you don’t plan to use the card frequently.
- Rewards Redemption: Look for credit cards with flexible rewards redemption options, allowing you to use your rewards for statement credits, checks, or merchandise.
Tips for Maximizing Cashback Rewards
To maximize your cashback rewards, follow these tips:
- Pay Your Balance in Full: Make sure to pay your balance in full each month to avoid interest charges and maximize your cashback rewards.
- Use Your Card for Everyday Purchases: Use your cashback credit card for everyday purchases, such as groceries, gas, and dining, to earn rewards on these categories.
- Keep Your Credit utilization Ratio Low: Keep your credit utilization ratio low to avoid negatively impacting your credit score and to maximize your cashback rewards.
- Monitor Your Rewards Balance: Regularly monitor your rewards balance to ensure you’re earning the most rewards possible.
- Consider Rotating Rewards Credit Cards: Consider rotating rewards credit cards, which can offer higher earning rates on specific categories, but be aware of any limits on earning.
Conclusion
In this article, we explored the best credit cards with cashback in 2025, their features, benefits, and requirements. We discussed the reasons why cashback credit cards are an attractive option among consumers and provided tips for maximizing cashback rewards. Whether you’re looking for a straightforward 2% earning rate or a credit card with rotating rewards categories, we’ve got you covered. Remember to consider your spending habits, earning rate, and rewards redemption options when choosing the best cashback credit card for you.