The 10 Best Credit Cards for Mind-Blowing Cashback Rewards

Looking for the best credit card that can give you impressive rewards in the form of cashback? If yes, then you are at the right place! In this article, we’ve compiled a list of the top 10 best credit cards for cashback rewards that can help you earn money back on your purchases. Whether you’re a frequent traveler, a shopaholic, or a foodie, these unbeatable credit card cashback rewards can help you earn money back on your everyday spending. 

Additionally, we have carefully selected a variety of credit cards with different features to cater to your specific needs. So, without further ado, let’s dive into the world of rewarding credit cards and explore the incredible cashback opportunities they offer.

Quick Answer

1. Chase Freedom Unlimited®

Why We Like It: The first cashback credit card on our list is the Chase Freedom Unlimited® card. It offers an unlimited 1.5% cashback on all purchases. Additionally, It also has a 0% intro APR for the first 15 months on purchases and balance transfers. 

Who Should Get It: This card is perfect for people who want a straightforward cashback program without worrying about rotating categories. It is also great for those who want to make a large purchase and pay it off over time with the 0% intro APR offer. 

Key Features: 

• Unlimited 1.5% cashback on all purchases 
• No annual fee 
• 0% intro APR for the first 15 months on purchases and balance transfers 
• $200 bonus after spending $500 on purchases in the first 3 months of account opening 
• Free credit score and credit monitoring 

Pros: 

• Straightforward cashback program 
• No annual fee 
• 0% intro APR offer 

Cons: 

• 3% foreign transaction fee 
• No bonus categories for higher cashback

2. Citi® Double Cash Card

Why We Like It: Next we have the Citi® Double Cash Card. This card offers 2% cashback on all purchases, which is one of the highest cashback rates available. It also doesn’t charge any annual fee. 

Who Should Get It: This card is great for people who want to maximize their cashback rewards without category rotation or earning caps. It is also perfect for those who want a simple and straightforward cashback program. 

Key Features: 

• 2% cashback on all purchases (1% when you buy, 1% when you pay) 
• No annual fee 
• 0% intro APR for the first 18 months on balance transfers (balance transfer fee applies) 
• Free FICO credit score 

Pros: 

• High cashback rate on all purchases 
• No annual fee 
• Simple and straightforward cashback program 

Cons: 

• No bonus categories for higher cashback 
• 3% foreign transaction fee

3. Discover it® Cash Back

Why We Like It: Next on our list is The Discover it® Cash Back card which offers 5% cashback in rotating categories each quarter (up to $1,500 in purchases). It also has a 0% intro APR for the first 14 months on purchases and balance transfers. 

Who Should Get It: This card is again great for people who want to earn higher cashback in different categories each quarter. It is also perfect for those who want to make a large purchase and pay it off over time with the 0% intro APR offer. 

Key Features: 

• 5% cashback in rotating categories 
• 1% cashback on all other purchases 
• No annual fee 
• 0% intro APR for the first 14 months 
• Free FICO credit score 

Pros: 

• High cashback rate in rotating categories 
• No annual fee 
• 0% intro APR offer 

Cons: 

• Rotating categories can be difficult to keep track of 
• Some categories may not be relevant to everyone
  

4. Capital One Quicksilver Cash Rewards Credit Card

Why We Like It: The credit card is the Capital One Quicksilver Cash Rewards Credit Card. It offers 1.5% cashback on all purchases. In addition to its benefits, the Capital One Quicksilver Cash Rewards Credit Card does not charge any annual or foreign transaction fees. 

Who Should Get It: This card is great as a straightforward cashback program without any rotating categories or earning caps. It is also perfect for those who frequently travel internationally as it has no foreign transaction fees. 

Key Features: 

• 1.5% cashback on all purchases 
• No annual fee 
• No foreign transaction fees 
• 0% intro APR for the first 15 months  
• $200 bonus after spending $500 on purchases in the first 3 months of account opening 

Pros: 

• Simple and straightforward cashback program 
• No annual fee 
• No foreign transaction fees 

Cons: 

• No bonus categories for higher cashback 
• Balance transfer fee applies 

5. Blue Cash Preferred® Card from American Express

Why We Like It: The Blue Cash Preferred® Card from American Express offers high cashback rates in popular categories like groceries, gas, and streaming services. It also has a 0% intro APR for the first 12 months on purchases and balance transfers. 

Who Should Get It: This card is great for people who spend a lot on groceries, gas, and other daily needs. It is also perfect for those who want to make a large purchase and pay it off over time with the 0% intro APR offer. 

Key Features: 

• 6% cashback at U.S. supermarkets (up to $6,000 in purchases per year, then 1%) 
• 6% cashback on select U.S. streaming subscriptions 
• 3% cashback at U.S. gas stations and on transit 
• 1% cashback on all other purchases 
• $250 statement credit after spending $1,000 on purchases in the first 3 months of account opening 

Pros: 

• High cashback rates in popular categories 
• $250 statement credit after spending $1,000 on purchases in the first 3 months of account opening 
• 0% intro APR offer 

Cons: 

• $95 annual fee 
• 6% cashback at U.S. supermarkets limited to $6,000 in purchases per year
  

6. Bank of America® Cash Rewards credit card

Why We Like It: Moving further in the list we have the Bank of America® Cash Rewards credit card. It offers 3% cashback in your chosen category (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings) and 2% cashback at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter). It also has a 0% intro APR for the first 15 billing cycles on purchases and balance transfers. 

Who Should Get It: This card is great for people who want to earn higher cashback in a category of their choice. It is also perfect for those who frequently shop at grocery stores and wholesale clubs. 

Key Features: 

• 3% cashback in a category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings) 
• 2% cashback at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) 
• 1% cashback on all other purchases 
• No annual fee 
• 0% intro APR for the first 15 billing cycles on purchases and balance transfers 

Pros: 

• Higher cashback in a category of your choice 
• No annual fee 
• 0% intro APR offer 

Cons: 

• 2% cashback at grocery stores and wholesale clubs limited to $2,500 in combined purchases each quarter 
• Categories must be chosen each quarter
  

7. Chase Freedom Flex℠

Why We Like It: The Chase Freedom Flex℠ card offers 5% cashback in rotating categories each quarter (up to $1,500 in purchases) and 1% cashback on all other purchases. It also has a 0% intro APR for the first 15 months on purchases and balance transfers. 

Who Should Get It: This card is great for people who want to earn higher cashback in different categories each quarter. It is also perfect for those who want to make a large purchase and pay it off over time with the 0% intro APR offer. 

Key Features: 

• 5% cashback in rotating categories each quarter (up to $1,500 in purchases) 
• 5% cashback on travel purchased through Chase Ultimate Rewards® 
• 3% cashback on dining at restaurants, including takeout and eligible delivery services 
• 3% cashback on drugstore purchases 
• 1% cashback on all other purchases 

Pros: 

• High cashback rate in rotating categories 
• 0% intro APR offer 
• Additional cashback categories for travel, dining, and drugstore purchases 

Cons: 

• Rotating categories can be difficult to track 
• Some categories may be irrelevant 

8. Wells Fargo Propel American Express® card

Why We Like It: Next on our list is the Wells Fargo Propel American Express® card. It offers 3% cashback on dining, gas stations, rideshares, transit, flights, hotels, homestays, and car rentals. In addition, it also offers 1% cashback on all other purchases too. It also has no annual fee. 

Who Should Get It: This is a simple and straightforward cashback program card. It is great for people who frequently travel and dine out and want cashbacks without worrying about rotating categories or earning caps. 

Key Features: 

• 3% cashback on dining, gas stations, rideshares, transit, flights, hotels, homestays, and car rentals 
• 1% cashback on all other purchases 
• No annual fee 
• 0% intro APR for the first 12 months on purchases and balance transfers 
• Cell phone protection 

Pros: 

• High cashback rate in popular categories 
• No annual fee 
• Cell phone protection 

Cons: 

• No bonus categories for higher cashback 
• 3% foreign transaction fee
  

9. Amazon Prime Rewards Visa Signature Card

Why We Like It: The Amazon Prime Rewards Visa Signature Card offers 5% cashback on Amazon.com and Whole Foods Market purchases, and 2% cashback at restaurants, gas stations, and drugstores. Moreover, it also provides 1% cashback on all other purchases. 

Who Should Get It: This card is great for people who frequently shop on Amazon.com and Whole Foods Market. It is also perfect for those who want to earn higher cashback on dining, gas stations, and drugstore purchases without worrying about rotating categories or earning caps. 

Key Features: 

• 5% cashback on Amazon.com and Whole Foods Market purchases 
• 2% cashback at restaurants, gas stations, and drugstores 
• 1% cashback on all other purchases 
• No annual fee 
• No foreign transaction fees 

Pros: 

• High cashback rate on Amazon.com and Whole Foods Market purchases 
• No annual fee 
• No foreign transaction fees 

Cons: 

• 5% cashback on Amazon.com and Whole Foods Market purchases limited to Prime members 
• No bonus categories for higher cashback
  

10. Costco Anywhere Visa® Card by Citi

Why We Like It: Finally, we have the Costco Anywhere Visa® Card by Citi offers 4% cashback on eligible gas purchases (up to $7,000 in purchases per year, then 1%), 3% cashback on restaurants and eligible travel purchases, and 2% cashback on all other purchases from Costco. It offers 1% cashback on all other purchases too.  

Who Should Get It: This card is great for people who frequently shop at Costco and dine out. It is also perfect for those who want to earn more cashback on gas purchases without worrying about rotating categories or earning caps. 

Key Features: 

• 4% cashback on eligible gas purchases (up to $7,000 in purchases per year, then 1%) 
• 3% cashback on restaurants and eligible travel purchases 
• 2% cashback on all other purchases from Costco and Costco.com 
• 1% cashback on all other purchases 
• No annual fee 

Pros: 

• High cashback rate on gas purchases 
• No annual fee 
• Cashback rewards can be redeemed at Costco warehouses for merchandise or cash 

Cons: 

• Must be a Costco member to apply for this card 
• No bonus categories for higher cashback 

That concludes our list of the top 10 best credit cards for cashback rewards. Before applying for any of these cards, make sure to review the terms and conditions carefully and consider your spending habits to determine which card is the best fit for you.

Frequently Asked Questions 

Here are some frequently asked questions about the top 10 best credit cards for cashback rewards.

What are cashback credit cards? 

Cashback credit cards are credit cards that offer rewards in the form of cashback for every purchase made using the card. The amount of cashback varies depending on the card and the purchase, but it can range from 1% to 6% or more. 

These credit cards are ideal for people who want to earn rewards on their everyday purchases and want to save money in the long run. Cashback credit cards can help you earn money while spending money.  

How do I choose the best cashback credit card for me? 

To choose the best cashback credit card for you, consider your spending habits and the rewards offered by each card. Look for a card that offers cashback rewards on the purchases you make the most. 

Also, consider the annual fee, interest rate, and any other benefits that come with the card. Choose a card that offers the best overall value based on your spending habits and lifestyle.

What are the benefits of using a cashback credit card? 

The benefits of using a cashback credit card include earning rewards on your everyday purchases, saving money in the long run, and potentially getting other benefits such as travel rewards or purchase protection. 

Using a cashback credit card responsibly can also help you build credit and improve your credit score over time.

Can I use a cashback credit card for all of my purchases? 

Yes, you can use a cashback credit card for all of your purchases as long as the merchant accepts credit cards. However, it’s important to use the card responsibly and avoid overspending or carrying a balance, as this can lead to debt and financial problems. 

Make sure to pay off your balance in full each month and avoid using the card for purchases you can’t afford to pay for with cash or savings. 

Finding the right credit card can be a daunting task, especially when it comes to choosing one that offers cashback rewards. However, with the list of top 10 best credit cards for cashback rewards, you can now make a wise decision and get rewarded for your purchases. 

But before you apply for any of these cards, make sure to read the terms and conditions carefully. Pay attention to the annual fees, interest rates, rewards structure, and any limits or restrictions that may apply. With the right card in hand, you can earn cashback rewards and reap the benefits in no time.

Conclusion

With the list of the top 10 best credit cards for cashback rewards, you can find the perfect credit card that suits your needs and rewards your spending habits. You can read more information about these credit cards for cashback rewards to get more detailed information. So go ahead and apply for the one that fits your lifestyle and start earning cashback rewards today!