Best Cash Back Credit Cards of 2026
Cash back cards put money back in your pocket on every purchase. Whether you want a flat rate on everything or higher rewards in specific categories like groceries and gas, we've compared the top cash back cards so you can maximize every dollar you spend.
Top Picks
Blue Cash Preferred® Card from American Express
American Express Consumer Cards
Annual Fee
$0 intro annual fee for the first year, then $95.
Credit Needed
Excellent, Good
Rewards Rate
N/A
Purchase APR
0% on purchases
Balance Transfer
0% on balance transfers
Regular APR
19.49%-28.49% Variable
Intro Offer
As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
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- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One®
Annual Fee
$39
Credit Needed
Average, Fair, Limited
Rewards Rate
1.5% Cash Back on every purchase, every day
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Top rated mobile app
Blue Cash Everyday® Card from American Express
American Express Consumer Cards
Annual Fee
$0
Credit Needed
Excellent, Good
Rewards Rate
N/A
Purchase APR
0% on purchases
Balance Transfer
0% on balance transfers
Regular APR
19.49%-28.49% Variable
Intro Offer
As High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
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- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Bank of America® Unlimited Cash Rewards credit card
Bank of America
Annual Fee
$0
Credit Needed
Excellent/Good
Rewards Rate
2% cash back on all purchases for the first year from account opening
Purchase APR
0% Intro APR for 15 billing cycles for purchases
Balance Transfer
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 5%)
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
Intro Offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
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- No annual fee.
- Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Bank of America® Customized Cash Rewards credit card
Bank of America
Annual Fee
$0
Credit Needed
Excellent/Good
Rewards Rate
6% cash back for the first year in the category of your choice
Purchase APR
0% Intro APR for 15 billing cycles for purchases
Balance Transfer
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 5%)
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
Intro Offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
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- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Average, Fair, Limited
Rewards Rate
1.5% Cash Back on every purchase, every day
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $50 Cash Back when you spend $100 in the first three months
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
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- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- Top rated mobile app
Mastercard® Black Card®
Barclays Bank
Annual Fee
$699 ($249 for each Authorized User added to the account)
Credit Needed
Excellent
Rewards Rate
2 points for every $1 spent on Airfare and Hotel reservations booked through LuxuryCardTravel.com.
Purchase APR
N/A
Balance Transfer
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Regular APR
19.49% to 27.49% Variable, based on your creditworthiness and other factors
- Redeem at 2% value for airfare and 1.5% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $750 cash back, issued as a direct deposit statement credit.
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- $200 Annual Airline Credit: Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
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- $100 Annual Dining Credit: Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
- Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application fee. Global Entry includes access to TSA PreCheck® with no additional application or fee required.
- 24/7 Luxury Card Concierge®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs—and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
- With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
- Black-PVD-Coated Metal Card and Made of Stainless Steel®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its stainless steel, contactless patented card design and metal construction raises the standard. Carry a card with distinction.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $699 ($249 for each Authorized User). Terms and conditions apply.
Capital One SavorOne Cash Rewards Credit Card
Capital One®
Annual Fee
$39
Credit Needed
Average, Fair, Limited
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases with a $39 annual fee
- No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
- Be automatically considered for a higher credit line in as little as 6 months
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- Help strengthen your credit for the future with responsible card usage
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Get access to exclusive reservations at award-winning restaurants and tickets to unforgettable culinary experiences with Capital One Dining
- Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
- Top rated mobile app
Revvi Card
MRV Banks
Annual Fee
See Terms*
Credit Needed
Poor/Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
- 2X Rewards Power – Up To 10% Cash Back when you buy and 1% Cash Back when you pay!^^
- An initial credit limit Up To $500 (See terms*)
- Opportunity to request credit limit increase after twelve months, fee applies.
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- A Card That Works as Hard as You Do – Earn Up to 10% Cash Back Rewards at select merchants, 1% on Payments and Build¹ Your Credit Along the Way!^^
- Reports monthly to all three major credit bureaus.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. Results vary.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See Revvi Rewards Programs Terms & Conditions for details.
First Access Visa® Card
The Bank of Missouri
Annual Fee
See Terms*
Credit Needed
Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
- An initial credit limit Up To $500! (See terms*)
- First Access gives you 1% Cash Back – perfect credit not required!
- Applying only takes a few minutes, and we will provide a credit response in 60 seconds or less.
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- Manage your account & 1% Cash Back Rewards on the First Access Card Mobile App!
- *See Rates, Fees, Costs & Limitations for complete offer details
- See First Access Rewards Programs Terms & Conditions for details