20 Best Cash-Back and Rewards Credit Cards for 2025

Here are credit cards that will get you the best returns.

Cyra Sanchez
February 19, 2025
6 min read

20 Best Cash-Back and Rewards Credit Cards for 2025 — Pixabay on Pexels

The best rewards credit cards give you the most rewards for your spending habits, through cash back, travel perks, or category-based bonuses. Some cards offer big-time sign-up bonuses and others are light on annual fees and heavy on ongoing rewards. Knowing how to evaluate features like interest rates and redemption flexibility helps maximize benefits.

1. Wells Fargo Active Cash® Card

Wells Fargo on Wikimedia Commons

Picture earning 2% cash back on every purchase with zero work. Unlimited 2% cash back on all of your purchases, solid sign-up bonus, and 0% intro APR on purchases and balance transfers. Great for anyone who likes simplicity and big rewards.

2. Chase Freedom Unlimited®

Roman200218 on Wikimedia Commons

Imagine, if how you spend daily could get you greater returns. It’s 5% cash back on travel through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. It’s ideal for anyone seeking flexible and high-earning rewards with no category tracking.

3. Discover it® Cash Back

Discover Financial Services on Wikimedia Commons

Get your cash-back earnings doubled at the end of the year. 5% cash back on rotating categories (up to a limit) and an unlimited 1% on everything else, cashback match in the first year. It’s ideal for maximizing rewards on bonus categories.

4. Capital One SavorOne Cash Rewards Credit Card

Capital One on Wikimedia Commons

Do you like eating and entertainment? This card earns 3% cash back on dining, entertainment, popular streaming services, and grocery stores, and 1% on all other purchases. It is excellent for devotees of food, fun, and getting paid to spend.

5. Citi® Double Cash Card

Monka1985 on Wikimedia Commons

Why not earn twice on every single purchase? With this card, you earn 1% cash back when you purchase and another 1% when you pay. It is best for disciplined payers seeking steady, uncomplicated rewards.

6. Blue Cash Preferred® Card from American Express

Pentagram Studio on Wikimedia Commons

This card earns 6% cash back on U.S. supermarkets. Earn up to $6,000 per year, then 1%. Also, you’ll get streaming services and 3% on gas and transit. It’s a terrific option for families who go all out on the day-to-day.

7. U.S. Bank Cash+® Visa Signature® Card

Troutfarm27 on Wikimedia Commons

What if you could select your own high-reward categories instead? This card earns 5% cash back on two of your choice categories, 2% on one everyday category, and 1% on everything else. It’s a dream for people who are seeking flexible rewards that line up with their spending.

8. Citi Custom Cash® Card

Monka1985 on Wikimedia Commons

Wouldn’t it make sense if your card automatically gave you the most reward in your highest spending category? 5% cash back on your top eligible spending category each billing cycle (up to $500 spent) and 1% back on other purchases. It’s a great match for those whose spending patterns vary from month to month.

9. Bank of America® Unlimited Cash Rewards Credit Card

Bank of America on Wikimedia Commons

A straightforward cash-back card with a decent bonus? Yes, please. Unlimited 1.5% cash back on all purchases (no annual fee) and a $200 online cash bonus with $500 spent. It’s ideal for folks who want simple earnings with no tracking categories.

10. Blue Cash Everyday® Card from American Express

Pentagram Studio on Wikimedia Commons

Need high cash back without an annual fee? There is a 3% back on U.S. supermarkets (on up to $6,000 per year in purchases), gas stations, and online retail purchases, and 1% everywhere else. It’s a great option for anyone who likes the everyday rewards, but who doesn’t want to commit to an annual fee.

11. Chase Freedom Flex℠

JPMorgan Chase on Wikimedia Commons

A card with a mix of rotating and fixed rewards? Now that’s a deal. The card earns 5% back on rotating quarterly categories, 5% on Chase travel, 3% on dining, and drugstores, and 1% on all other purchases. It’s great for anyone who likes to maximize rewards in many categories.

12. Capital One Quicksilver Cash Rewards Credit Card

Capital One on Wikimedia Commons

Looking for a simple, flat-rate cash-back card? This card earns unlimited 1.5% cash back on all purchases, and you get a one-time $200 cash bonus for qualifying spending. It’s a great choice for folks who don’t want to track categories.

13. HSBC Gold Visa Cash Back

HSBC on Wikimedia Commons

Dine out a lot? This one’s for you. Provides 5% eligible cash back on dining, 3% eligible cash back on fuel purchased at participating stations, and 0.5% eligible cash back on all other purchases. This is for food lovers who want to save at the pump.

14. UnionBank Cash Back Visa Platinum

MUFG Union Bank on Wikimedia Commons

Are groceries and bills consuming your budget? Here’s a card that helps. 6% cash back on supermarkets, 2% on utility bill payments via the UnionBank app, and 0.2% on everything else. It is a great option for those who value essentials.

15. Metrobank Toyota Mastercard®

МЕТРОБАНК on Wikimedia Commons

Drive a lot? You might as well save on gas and wear and tear. It provides a 3% rebate at Petron stations for fuel and an up to 10% discount on services from Toyota dealerships. It is ideal for both Toyota owners and regular drivers.

16. Security Bank Complete Cashback Platinum Mastercard

Sbc corpcomm on Wikimedia Commons

Looking for all-around savings? This card’s got it. 5% cash back on groceries, 4% on fuel, 3% on bills, 2% on dining, and 1% on shopping. You get maximum cash back on different spending categories.

17. BPI Amore Cashback Card

Cuongeuro208 on Wikimedia Commons

Shop at supermarkets and malls often? Earn cashback: 4% at supermarkets, 1% at utilities, and benefits for specific shopping at malls. It’s perfect for those whose retail therapy they want to pay off.

18. American Express® Gold Card

Pentagram Studio on Wikimedia Commons

A rewards card for foodies and travelers? Yes, please! This is 4X on dining and supermarkets, 3X on some flights booked directly, and 1X on everything else. It’s the perfect choice for foodies and luxury travelers.

19. Costco Anywhere Visa® Card by Citi

Costco Wholesale on Wikimedia Commons

Shopping at Costco? With this card, you’ll supercharge your savings. It earns 4% cash back on gas, 3% on restaurants and travel, 2% at Costco, and 1% on other purchases. This is ideal for Costco members who want the most rewards on everyday expenses.

20. Amazon Prime Rewards Visa Signature Card

Amazon on Wikimedia Commons

Online shopping got a little better. This provides 5 percent cash back on Amazon and Whole Foods, 2 percent at restaurants, gas stations, and drugstores, and 1 percent everywhere else. It’s perfect for those who shop Amazon a lot and want to earn big.