In today’s world, maximizing your spending is not just smart — it’s essential. That’s where cashback credit cards step in. Whether you’re shopping for groceries, filling up your gas tank, or booking travel, cashback credit cards in the USA offer you rewards for every dollar spent.
But with hundreds of choices, how do you know which one truly stands out?

Let’s dive deep into the Best Credit Cards for Cashback USA, perfect for savvy spenders looking to get more bang for their buck in 2025.

Why Choose a Cashback Credit Card?

Before we break down the top options, let’s address the big question:
Why cashback?

• Simple Rewards: Cashback rewards are straightforward — no confusing points conversions.

• Flexibility: Use your cashback for anything: statement credits, bank deposits, gift cards, or even travel.

• Boost Your Budget: Regular cashback on everyday purchases means extra savings over time.

In short, cashback cards make your money work harder for you!

Top 7 Best Credit Cards for Cashback USA

Here’s a handpicked list of the best cashback credit cards in the USA for 2025, based on benefits, cashback rates, and bonus features.

1. Chase Freedom Unlimited®

Why It’s Great:
This card is a top choice for unlimited cashback without worrying about categories.

• Cashback Rate:

  • 5% on travel purchased through Chase Ultimate Rewards®

  • 3% on dining and drugstore purchases

  • 1.5% on all other purchases

• Intro Offer:

  • Earn an additional 1.5% cashback on everything you buy (up to $20,000 spent in the first year).

• Annual Fee:

  • $0

Best For:
Everyday shoppers who want steady rewards without complicated tracking.

2. Blue Cash Preferred® Card from American Express

Why It’s Great:
Perfect for families or homebodies who spend big at supermarkets and on streaming services.

• Cashback Rate:

  • 6% on U.S. supermarkets (up to $6,000/year)

  • 6% on select U.S. streaming services

  • 3% at U.S. gas stations and on transit

  • 1% on everything else

• Intro Offer:

  • $250 statement credit after you spend $3,000 in purchases in the first 6 months.

• Annual Fee:

  • $95

Best For:
Families and heavy grocery buyers.

3. Citi® Double Cash Card

Why It’s Great:
The simplest cashback structure — earn twice!

• Cashback Rate:

  • 2% total (1% when you buy + 1% when you pay off purchases)

• Intro Offer:

  • 0% Intro APR on balance transfers for 18 months.

• Annual Fee:

  • $0

Best For:
Minimalists who love straightforward rewards without category juggling.

4. Discover it® Cash Back

Why It’s Great:
Earn high rewards in rotating categories and a first-year cashback match!

• Cashback Rate:

  • 5% in quarterly rotating categories (like gas stations, grocery stores, restaurants — up to $1,500 spent per quarter).

  • 1% on other purchases.

• Intro Offer:

  • Unlimited cashback match at the end of your first year.

• Annual Fee:

  • $0

Best For:
Deal hunters who optimize purchases based on quarterly bonuses.

5. Wells Fargo Active Cash® Card

Why It’s Great:
A strong flat-rate card with a great intro bonus.

• Cashback Rate:

  • Unlimited 2% cashback on all purchases.

• Intro Offer:

  • $200 cash rewards bonus after spending $500 in the first 3 months.

• Annual Fee:

  • $0

Best For:
People who want consistent 2% rewards without thinking twice.

6. Capital One SavorOne Cash Rewards Credit Card

Why It’s Great:
Best suited for foodies and entertainment enthusiasts.

• Cashback Rate:

  • 3% on dining, entertainment, streaming services, and grocery stores.

  • 1% on all other purchases.

• Intro Offer:

  • $200 cash bonus after spending $500 within 3 months.

• Annual Fee:

  • $0

Best For:
Dining out, concerts, movies, and enjoying life.

7. Bank of America® Customized Cash Rewards Credit Card

Why It’s Great:
Flexible cashback tailored to your top spending category.

• Cashback Rate:

  • 3% cashback on a category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings).

  • 2% at grocery stores and wholesale clubs (up to $2,500 combined quarterly).

• Intro Offer:

  • $200 online cash rewards bonus after spending $1,000 in the first 90 days.

• Annual Fee:

  • $0

Best For:
People who want to customize where they earn the most cashback.

How to Choose the Best Cashback Card for You

When picking the best cashback credit card in the USA, consider:

• Spending Habits:
  Are you a big grocery spender? Frequent traveler? Dining out a lot?

• Intro Offers:
  A nice welcome bonus can be worth a few hundred dollars.

• Annual Fees:
  Calculate if the rewards you earn justify any fees.

• Redemption Options:
  Some cards offer flexible redemption, others restrict you.

• Rotating Categories vs Flat Rate:
  Rotating categories can earn more but require attention, while flat rates are hands-off.

Pro Tips to Maximize Cashback

Want to squeeze every last penny from your cashback card? Here’s how:

• Stack Rewards:
  Use cashback cards along with retailer promotions and cashback websites/apps.

• Pay in Full:
  Avoid carrying balances to dodge interest charges that erase your cashback earnings.

• Know Your Categories:
  Set reminders for rotating category activation if your card requires it.

• Combine Cards:
  Use multiple cashback cards to maximize rewards across spending categories.

Common FAQs about Cashback Credit Cards USA

1. Do cashback credit cards affect my credit score?

Yes, using them responsibly (paying on time, low credit utilization) can improve your credit score over time.

2. Are cashback rewards taxable?

No. Generally, cashback rewards are treated as a rebate, not income, and are not taxable.

3. Can I have multiple cashback credit cards?

Absolutely! Many people use a strategy of combining cards to optimize different reward categories.

4. What happens to cashback if I close my account?

Typically, you’ll forfeit your unused cashback, so redeem it before closing any account.

5. Is it better to choose cashback over travel rewards?

It depends. If you prefer simplicity and flexibility, cashback is often the better choice.

Conclusion: Get Paid to Spend Smartly

Choosing the best cashback credit card in the USA isn’t just about flashy offers — it’s about aligning with your lifestyle, spending habits, and financial goals. Whether you’re a foodie, a road-tripper, or a stay-at-home shopper, there’s a perfect cashback card out there for you.

Remember: Cashback rewards are essentially free money — but only if you use your credit card wisely.
So, pick the card that suits you best, spend smartly, and watch the rewards roll in!