Cash Back Cards
Best cards for earning everyday cash back.
- Cash Back Cards
Best Cash Back Secured Cards for New US Credit Beginners
New to US credit? Compare secured cash back cards, no-SSN options, deposits, rewards caps, and the smartest first-card sequence.
- Cash Back Cards
Best Cash-Back Cards for US Credit Beginners and Newcomers
No credit history? No SSN? Here's how to pick the right cash-back card to start building US credit from zero — with real numbers.
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Best Cash Back Credit Cards for New Immigrants in the US
Discover the best cash back credit cards for newcomers to the US, including secured options to build credit from scratch.
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Best Cash Back Credit Cards of 2026
The top cash back credit cards ranked by real-world value — flat rate, category, and rotating picks.
Card reviews
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Flat-rate cash back on everything Citi Double Cash® Card The simplest high-rate cash-back card, and a quiet points card in disguise. Read review → -
Grocery and streaming-heavy households Blue Cash Preferred® Card from American Express The best cash-back card for families who spend a lot at the supermarket. Read review → -
Building credit and first-time cardholders Discover it® Cash Back A beginner-friendly, no-fee card with a uniquely generous first-year match. Read review → -
Everyday cash back that doubles as travel points Chase Freedom Unlimited® The best no-annual-fee everyday card in the Chase ecosystem — flat rewards plus secret points power. Read review → -
Dining, groceries, and entertainment cash back Capital One Savor Cash Rewards Credit Card One of the best no-annual-fee cards for foodies and fun — 3% where most people spend. Read review → -
Rotating 5% categories plus everyday bonuses Chase Freedom Flex® A free card that earns 5% in rotating categories and doubles as a points earner. Read review → - Flat 2% cash back, no fee Wells Fargo Active Cash® Card One of the best no-fee flat-rate cards: a clean 2% on everything plus cell phone protection. Read review →
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3x on six everyday categories, no fee Wells Fargo Autograph® Card A no-fee card with six uncapped 3x categories — rare value, and a points-card upgrade path. Read review → - Simple 1.5% cash back, no fee Capital One Quicksilver Cash Rewards A no-fuss, no-fee flat cash-back card — simple, but a 2% card usually earns more. Read review →
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Groceries, gas & online, no fee Blue Cash Everyday® Card from American Express A no-fee everyday card with 3% on US groceries, gas, and online retail — plus a Disney credit. Read review → - Choosing your own 3% cash-back category Bank of America® Customized Cash Rewards Credit Card Pick your own 3% category, change it whenever life changes — and with the Bank of America boost, that 3% can climb to 5.25% on a free card. Read review →
- Choosing two 5% categories every quarter U.S. Bank Cash+® Visa Signature® Card Pick two 5% categories every quarter — including ones nobody else rewards, like utilities, cell phone bills, and TV/internet. Read review →
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Office-supply and connectivity-heavy small businesses Chase Ink Business Cash® Credit Card A no-fee business card with 5% categories that quietly becomes a points powerhouse when paired with an Ink Preferred or Sapphire. Read review → - Simple flat-rate business spending Chase Ink Business Unlimited® Credit Card A no-fee 1.5% business card that — paired with an Ink Preferred — turns every purchase into transferable travel points. Read review →