In today’s digital age, earning cash back from credit cards is not just a way to save money, but it is also a smart financial tool. With the Top 5 Cashback Credit Cards in the USA, we will talk about some cards that offer the opportunity to earn serious cashback on everyday shopping trips and even online payments.
Let’s see which credit cards are the most popular in the US market in 2025.
1. Chase Freedom Unlimited®
Cashback rate: The cashback rate of this card ranges from 1.5% to 5%.
Annual fee: No annual fee is required, completely $0.
The Chase Freedom Unlimited credit card is ideal for individuals who want to earn rewards on their everyday spending.
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5% cashback: travel bookings via Chase Ultimate Rewards
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3% cashback: dining and drugstore
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1.5% cashback: on all other purchases
Best For: Those who spend every day and love to travel.
Extra Perk: There is no annual fee, and you get a bonus when you sign up.
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2. Citi Custom Cash℠ Card
Cashback rate: You will get up to 5% cashback rate from this card.
Annual fee: This card also has a completely $0 annual fee.
The special thing about this card is that it automatically selects a 5% cashback category based on your spending habits. This means that if you order more food, you will get 5% cashback on dining.
Best For: For those who want to get dynamic cashback.
Extra Perk: The great thing is that no manual settings are required.
3. Discover it® Cash Back
Cashback rate: 5% rotating categories.
Annual fee: This card also has a $0 annual fee.
The biggest feature of the Discover It Cash Back Card is its rotating category system. This means that with this card, you will get 5 % cashback from different categories every quarter, i.e. once every three months.
Also Read: Top 10 Best Fintech Credit Card in the USA
Consider, as an example —
- January to March: Get 5 per cent cashback from grocery stores and drug stores.
- April to June: Get 5% cash back from gas stations and Uber.
- July to September: Get 5% cashback on restaurants and PayPal transactions.
- October to December: Amazon and digital wallet payments will get 5% cashback.
Before each new water is launched, the company announces which categories will receive this 5% cashback. This means that if you spend according to this category, you will get more cashback on every dollar.
Best For: For those who love to plan and shop.
Extra Perk: The total cashback for the first year is automatically doubled.
4. Capital One SavorOne® Cash Rewards Card
Cashback Rate: This card offers a cashback rate of 1% to 3%.
Annual Fee: No charge $0.
This card could be perfect for spending on your lifestyle.
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3% cashback: dining, entertainment, streaming
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1% cashback: on all other purchases
Best For: For those who love to eat out, go out to restaurants or use online delivery a lot. It will be perfect for those who love watching online videos from various platforms such as Netflix, Disney+, etc.
Extra Perk:
5. Wells Fargo Active Cash® Card
Cashback Rate: Get 2% unlimited cashback.
Annual Fee: No annual fee $0.
Simple yet powerful is the definition of the Wells Fargo Active Cash Card. 2% cashback is available on all types of purchases. No hassle, no category restrictions.
Best For: For those who want to get cashback quickly without any hassle.
Extra Perk: If you spend anything with this card and pay it off within 15 months, there will be no charges – 0% APR for 15 months (intro period).
Top 5 Cashback Credit Cards In the USA Comparison
| Credit Card | Cashback Rate | Annual Fee | Best For |
|---|---|---|---|
| Chase Freedom Unlimited | 1.5% – 5% | $0 | Travel & Dining |
| Citi Custom Cash | Up to 5% | $0 | Flexible spenders |
| Discover it Cash Back | 5% (rotating) | $0 | Smart planners |
| Capital One SavorOne | Up to 3% | $0 | Lifestyle users |
| Wells Fargo Active Cash | 2% flat | $0 | Simplicity lovers |
How to Choose the Right Cashback Credit Card
- Check your spending pattern – Get a card based on where you spend the most, such as food, travel, etc.
- Look at the annual fee – cards that have zero fee benefits are great for beginners.
- Check bonus offers – Several cards offer some extra bonuses if you spend a certain amount in the first three months.
- Understand the redemption option – cashback money can be received through statement credit, bank deposit, or gift card.
Conclusion
The top 5 Cashback Credit Cards in the USA have become more powerful and user-friendly than ever before. Which means that if you use your card wisely, you can save up to a few hundred dollars every year. Choose a card according to your spending habits and use it responsibly, and keep enjoying the cashback.
FAQs
Which is the best cashback credit card in the USA for 2025?
Chase Freedom Unlimited® is one of the best cashback cards in the USA, offering up to 5% cashback with no annual fee.
What is the average cashback rate for U.S. credit cards?
Most cashback credit cards in the USA offer between 1.5% and 5% cashback, depending on your spending category.
Are cashback credit cards good for beginners?
Yes, they’re perfect for beginners because they offer simple reward systems and no annual fees.
Which card gives unlimited 2% cashback on all purchases?
The Wells Fargo Active Cash® Card gives 2% unlimited cashback on every purchase with no restrictions.
Do cashback cards affect credit scores?
Yes, using them responsibly can improve your credit score over time by building a good payment history.