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Last updatedFebruary 2025

Our Best Cash Back Cards of February 2025

From groceries to gas, earn cash with each purchase

Maximize your savings with our best cash back credit cards, designed to reward you for what you already spend. We’ve compared fees, rewards, and special offers to simplify your decision-making process. Start earning today by selecting the card that fits your lifestyle.

All Cards Are:
Property lockSafe & Secure
CheckVerified & Vetted
TopTrusted Brands
Our Best
Cash Back
Balance Transfer
Travel
Rewards
No Annual Fee
Low Interest
citi-double-cash-card credit card logo
9.9
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.6
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on Citi's application
See Rates & Fees
Citi Double Cash® Card
Up to 5% Cash Back
Earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/25.
Rewards Rate
2%
Welcome Bonus
$200
Annual Fee
0$
Recommended Credit Score
credit-score-icon
580-850 (Fair to Excellent)
Summary
Editor's Review
Card Features
Pros & Cons

The Citi Double Cash® Card boasts a market-leading unlimited cashback rate of 2%, plus an intro APR period of 18 months, which is comparable to some of the top balance transfer cards. With additional perks like no annual fee, convenient redemption options, and 24-hour fraud monitoring, this card could be a worthy addition to your wallet.

Learn more about Citi Double Cash® Card
bank-of-america-unlimited-cash-rewards-credit-card credit card logo
9.0
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.3
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
9.6
Learn More
on Bank of America's application
Bank of America® Unlimited Cash Rewards Credit Card
Get a $200 bonus offer
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Rewards Rate
1.5x
Welcome Bonus
$200 cash rewards bonus offer
Annual Fee
$0
Recommended Credit Score
credit-score-icon
670-850 (Good to Excellent)
Summary
Editor's Review
Card Features
Pros & Cons

The Bank of America® Unlimited Cash Rewards credit card offers an enticing 1.5% unlimited cash back on all purchases, with a chance to earn even more if you’re a Bank of America® Preferred Rewards member. If you’re looking for a hassle-free way to get rewarded for your purchases, this card is worth looking into.

bank-of-america-customized-cash-rewards-credit-card credit card logo
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
9.6
Learn More
on Bank of America's application
Bank of America® Customized Cash Rewards Credit Card
Rewards Rate
1x-3x
Welcome Bonus
$200 cash rewards bonus offer
Annual Fee
$0
Recommended Credit Score
credit-score-icon
670-850 (Good to Excellent)
Summary
Editor's Review
Card Features
Pros & Cons

The Bank of America® Customized Cash Rewards Credit Card has no annual fee while offering up to 3% cash back in your chosen category. It is a good choice for those who want a card with rewards for everyday purchases.

capital-one-savor-cash-rewards-credit-card credit card logo
9.4
BestMoneyscore
Popularity
Based on visits in the past 7 days
9.0
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on creditcards.com site
Capital One Savor Cash Rewards Credit Card
Rewards Rate
1%-8%
Welcome Bonus
$200
Annual Fee
$0
Recommended Credit Score
credit-score-icon
670-850 (Good to Excellent)
Summary
Editor's Review
Card Features
Pros & Cons

The Capital One Savor Cash Rewards card is a great card for anyone who wants cashback on dining and groceries without an annual fee. It is a versatile cashback card for anyone who spends a lot of money on dining, groceries, streaming services, or entertainment like movies and concerts.

Learn more about Capital One Savor Cash Rewards Credit Card

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BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & Benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page.
Editorial Reviews
Citi Double Cash® Card
Citi Double Cash® Card
Read Review
View all reviews

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Everything You Need to Know About Applying for a Cash Back Credit Card Online

In the age of digital banking, securing the best cash back credit cards has become a breeze. Online applications have simplified the process, ensuring you can access the best credit cards for cash back without stepping out of your home. With a few clicks, you can compare card benefits, interest rates, and, most importantly, cash back percentages.

How to Choose the Right Cash Back Credit Card for You

The plethora of cash back credit cards available might seem overwhelming. Here's how you can narrow down your choices:

Spending Patterns: Analyze where you spend most. If you dine out often, choose a card that offers higher cash back on dining. For those who drive a lot, cards that offer the highest cash back for fuel could be beneficial.

Annual Fees: Cash back credit cards with no annual fee are a great starting point for those wary of recurring charges.

Cash Back Percentage: If maximizing returns is your goal, lean towards the highest cash back credit card available.

Remember, the best credit card for cash back aligns seamlessly with your spending habits.

Cash Back Credit Cards 101

Before jumping into the world of cash back rewards, it's vital to grasp the basics:

Rewards Structure: Cash back credit cards typically offer a percentage back on your purchases. This could be a flat rate or vary by category.

Redemption: Understand how you can redeem your cash back. Some cards offer statement credits, while others might have direct deposits or checks.

Limitations: Some cards have caps on how much cash back you can earn in specific categories.

FAQs


Which is the best cashback credit card?

There isn't a one-size-fits-all answer. The best cashback credit card depends on your spending habits and preference for fees, rewards rates, and redemption methods.

How do cash back credit cards differ from points or miles cards?

Cash back credit cards offer tangible returns in cash, while points or miles cards provide rewards that can be redeemed for travel, merchandise, or other services.

Are there cash back credit cards with no annual fee?

Absolutely! Many of the best cash back cards come with no annual fee, ensuring you keep more hard-earned rewards.

With the proper knowledge, choosing the perfect cash back credit card becomes a rewarding experience. Explore, compare, and enjoy the benefits of smart spending.


Disclosures

Bank of America

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.