Best Credit Cards with Cashback Rewards (2025) for U.S. Consumers
Looking for the best cashback credit card in 2025? With so many options, finding the right one can be confusing. Whether you want unlimited 2% cashback, 5% on rotating categories, or high rewards on groceries, dining, and gas, we’ve got you covered.
In this guide, we’ll break down the top cashback credit cards for 2025, including:
- Best overall cashback card (for all spending)
- Best for groceries, dining, and travel
- Best no annual fee cashback cards
- How to maximize cashback rewards
Let’s find the perfect cashback credit card for you!
Top Cashback Credit Cards in 2025
Quick Summary
| Card Name | Best For | Cashback Rate | Annual Fee |
|---|---|---|---|
| Wells Fargo Active Cash® | Best flat-rate cashback | 2% on everything | $0 |
| Chase Freedom Flex℠ | Best rotating category rewards | 5% on bonus categories (up to $1,500/quarter) | $0 |
| Citi Custom Cash® | Best for automatic bonus categories | 5% on top spending category (up to $500/month) | $0 |
| Discover it® Cash Back | Best for first-year cashback match | 5% on rotating categories | $0 |
| Blue Cash Preferred® Card from American Express | Best for groceries & streaming | 6% at U.S. supermarkets & streaming | $95 |
*The information in this table is subject to change. For the latest updates and accurate details, please visit the official website of the respective credit card issuer.
1.Best Overall Cashback Card: Wells Fargo Active Cash®
Why It’s Great: Unlimited 2% cashback on everything—no categories, no activation, just simple cashback.
- Cashback Rate: 2% on all purchases
- Welcome Bonus: $200 after spending $500 in 3 months
- Annual Fee: $0
- Best For: People who want simple, unlimited cashback
Who should get it? If you don’t want to track bonus categories and just want a card that rewards all spending equally, this is the best option.
2. Best for Rotating Cashback Categories: Chase Freedom Flex
Why It’s Great: Earn 5% cashback on rotating categories each quarter (e.g., gas, groceries, restaurants).
Cashback Rate:
- 5% on rotating categories (up to $1,500 per quarter)
- 3% on dining & drugstores
- 1% on all other purchases
- Welcome Bonus: $200 after spending $500 in 3 months
- Annual Fee: $0
Who should get it? If you’re willing to activate bonus categories each quarter, you can maximize rewards on seasonal spending.
3. Best for Automatic Bonus Categories: Citi Custom Cash®
Why It’s Great: 5% cashback on your top spending category—perfect if your spending habits change.
Cashback Rate:
- 5% on your highest spending category (up to $500/month)
- 1% on all other purchases
- Annual Fee: $0
Who should get it? If you spend differently each month (sometimes groceries, sometimes gas), this card automatically adjusts to give you the most cashback.
4. Best for First-Year Cashback Match: Discover it® Cash Back
Why It’s Great: At the end of your first year, Discover matches ALL the cashback you’ve earned—effectively doubling your rewards!
Cashback Rate:
- 5% on rotating categories (up to $1,500 per quarter)
- 1% on all other purchases
- Annual Fee: $0
Who should get it? If you want to maximize rewards in the first year, this card’s cashback match feature is unbeatable.
5. Best for Groceries & Streaming: Blue Cash Preferred® (Amex)
Why It’s Great: Get 6% cashback at U.S. supermarkets (up to $6,000/year) and streaming services.
Cashback Rate:
- 6% at U.S. supermarkets (up to $6,000/year)
- 6% on select streaming services
- 3% on gas & transit
- 1% on all other purchases
- Annual Fee: $95
Who should get it? If you spend a lot on groceries and streaming (Netflix, Spotify, Hulu), this card pays for itself.
How to Choose the Best Cashback Credit Card
- Flat-rate vs. bonus categories – Do you prefer 2% unlimited cashback (Wells Fargo Active Cash) or higher rewards on specific categories (Chase Freedom Flex)?
- Annual fees – No annual fee cards are best for casual spenders, but if you spend a lot on groceries or travel, a premium card may be worth it.
- Spending habits – If you spend consistently on the same category, get a card that rewards that spending (e.g., groceries, dining, travel).
How to Maximize Your Cashback Rewards
- Pair multiple cards – Use Citi Custom Cash for 5% on your biggest expense and Wells Fargo Active Cash for everything else (2%).
- Pay your balance in full – Avoid interest charges; cashback isn’t worth it if you’re paying interest.
- Activate bonus categories – If using Chase Freedom Flex or Discover it®, activate rotating categories every quarter.
FAQs – Best Cashback Credit Cards 2025
1. What is the best cashback credit card overall?
The Wells Fargo Active Cash® is the best flat-rate cashback card with 2% unlimited cashback on everything.
2. What is the best no annual fee cashback card?
The Chase Freedom Flex and Citi Custom Cash are both excellent no annual fee options with high rewards in certain categories.
3. Can I have multiple cashback credit cards?
Yes! Many people use multiple cashback cards to maximize rewards in different categories (e.g., groceries, gas, dining).
Final Verdict: Which Cashback Credit Card Should You Get?
If you want simple, unlimited rewards, go with the Wells Fargo Active Cash (2% on everything).
If you spend heavily on groceries, the Blue Cash Preferred (Amex) is the best.
If you like rotating categories, choose Chase Freedom Flex or Discover it® Cash Back.
Best strategy? Pair a flat-rate cashback card (Wells Fargo Active Cash) with a category-specific card (Chase Freedom Flex or Citi Custom Cash) for maximum rewards!
Next Steps: How to Apply for These Credit Cards
Most of these credit cards require a good credit score (670+). If you have excellent credit (740+), you’ll have higher chances of approval.
- Apply directly on the bank’s website (Chase, Citi, Amex, Discover).
- Check for welcome bonuses before applying!Want to improve your credit score?
For more insights on other trending news, click here!
Disclaimer: The information provided on TN HEADLINES24 is for informational and educational purposes only and should not be considered financial, legal, or professional advice. While we strive to ensure accuracy, we do not guarantee the completeness, reliability, or timeliness of any content. TN HEADLINES24 is not responsible for any financial decisions, losses, or damages resulting from the use of this information. Readers are encouraged to conduct their own research and consult with a financial expert before making any credit card or financial decisions.
We do not promote, endorse, or recommend any specific credit card, bank, or financial institution. Any opinions expressed are solely those of the authors and should not be interpreted as official endorsements. Credit card terms and rewards are subject to change; always verify the latest details from the official issuer’s website.
By using this site, you agree that TN HEADLINES24 is not liable for any consequences arising from the use of the information provided.
