Best Credit Cards for Cashback in 2025: Maximize Your Rewards

In 2025, cashback credit cards continue to be a popular choice for consumers looking to earn rewards on everyday spending. Best Credit Cards for Cashback in 2025.With evolving benefits, higher rewards rates, and innovative features, choosing the right cashback card can significantly boost your savings.

This guide explores the best cashback credit cards in 2025, highlighting their key features, pros, cons, and eligibility criteria to help you make an informed decision.

---

Why Choose a Cashback Credit Card?

Cashback credit cards offer a percentage of your spending back as rewards, which can be redeemed as statement credits, direct deposits, or gift cards. Benefits include:

• No annual fee options (or waived fees for the first year)
• Higher rewards in bonus categories (groceries, gas, dining, etc.)
• Sign-up bonuses for new cardholders
• Flexible redemption options

Now, let’s dive into the top cashback credit cards of 2025.

---

1. Chase Freedom Unlimited®

Best for: Flat-rate cashback with bonus categories

Key Features:

• 1.5% cashback on all purchases
• 5% cashback on travel booked through Chase
• 3% cashback on dining and drugstore purchases
• No annual fee
• Sign-up bonus: $200afterspending$500 in the first 3 months

Pros:

• Strong rewards on everyday spending
• No annual fee
• Combines well with other Chase cards (like Sapphire Preferred®)

Cons:

• Foreign transaction fees apply

Best for: Those who want simple, high-value cashback with bonus rewards in key categories.

---

2. Citi® Double Cash Card

Best for: Flat-rate cashback with no bonus categories

Key Features:

• 2% cashback on all purchases (1% when you buy, 1% when you pay)
• No annual fee
• No spending categories to track

Pros:

• Simple, unlimited 2% cashback
• No annual fee

Cons:

• No sign-up bonus
• Foreign transaction fees

Best for: People who prefer a straightforward cashback structure without rotating categories.

---

3. Blue Cash Preferred® Card from American Express

Best for: Supermarket and streaming rewards

Key Features:

• 6% cashback at U.S. supermarkets (up to $6,000/year, then 1%)
• 6% cashback on select U.S. streaming services
• 3% cashback at U.S. gas stations and transit
• 1% cashback on other purchases
• Annual fee: $95 (waived first year in some offers)
• Sign-up bonus: $250afterspending$3,000 in the first 6 months

Pros:

• High rewards on groceries and streaming
• Strong bonus offer

Cons:

• Annual fee after the first year
• Foreign transaction fees

Best for: Families and individuals who spend heavily on groceries and streaming.

---

4. Capital One SavorOne Cash Rewards Credit Card

Best for: Dining and entertainment rewards

Key Features:

• 3% cashback on dining, entertainment, and grocery stores
• 5% cashback on hotels and rental cars booked via Capital One Travel
• 1% cashback on other purchases
• No annual fee
• Sign-up bonus: $200afterspending$500 in the first 3 months

Pros:

• Strong dining and entertainment rewards
• No annual fee
• No foreign transaction fees

Cons:

• Lower rewards on non-bonus spending

Best for: Foodies, frequent diners, and entertainment lovers.

---

5. Discover it® Cash Back

Best for: Rotating 5% categories

Key Features:

• 5% cashback in rotating quarterly categories (up to $1,500 per quarter, then 1%)
• 1% cashback on all other purchases
• No annual fee
• Cashback Match™: Discover matches all cashback earned in the first year

Pros:

• High rewards in rotating categories
• First-year cashback match doubles earnings
• No annual fee

Cons:

• Requires activation for bonus categories
• Foreign transaction fees

Best for: Those who enjoy maximizing rewards in changing categories.

---

6. Bank of America® Customized Cash Rewards Credit Card

Best for: Flexible category selection

Key Features:

• 3% cashback in a category of your choice (gas, online shopping, dining, etc.)
• 2% cashback at grocery stores and wholesale clubs
• 1% cashback on other purchases
• No annual fee
• Sign-up bonus: $200afterspending$1,000 in the first 90 days

Pros:

• Customizable bonus category
• No annual fee

Cons:

• 3% category capped at $2,500 per quarter

Best for: Those who want control over their bonus rewards.

---

7. Wells Fargo Active Cash® Card

Best for: Unlimited flat-rate cashback

Key Features:

• 2% cashback on all purchases
• No annual fee
• Sign-up bonus: $200afterspending$500 in the first 3 months

Pros:

• Simple, unlimited 2% cashback
• Strong sign-up bonus

Cons:

• Fewer bonus categories than competitors

Best for: Those who want a no-fuss, high-rewards card.

---

How to Choose the Best Cashback Credit Card in 2025

Consider these factors when selecting a cashback card:

1. Spending Habits – Pick a card that rewards your biggest expenses.
2. Annual Fees – Weigh fees against potential rewards.
3. Sign-Up Bonuses – Take advantage of introductory offers.
4. Redemption Flexibility – Look for easy redemption options.
5. Foreign Transaction Fees – Important for travelers.

---

Final Thoughts

The best cashback credit card in 2025 depends on your spending patterns. Whether you prefer flat-rate rewards (Citi Double Cash), bonus categories (Blue Cash Preferred), or rotating rewards (Discover it® Cash Back), there’s a card to maximize your earnings.

Before applying, compare benefits, fees, and eligibility to ensure you get the best value.

Which cashback card will you choose in 2025? Let us know in the comments!