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
Costco Anywhere Visa® Card by Citi
Citi
Annual Fee
$0
Credit Needed
Excellent
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
18.74% - 26.74% (Variable)
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
Show 4 more Show less
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Bank of America® Unlimited Cash Rewards credit card for Students
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.
Show 5 more Show less
- 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.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Mastercard® Gold Card™
Barclays Bank
Annual Fee
$1,199 ($349 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 2% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $1000 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.
- $300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
Show 8 more Show less
- $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants.
- $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually.
- Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application for each Mastercard Gold Card Primary Cardmember and Authorized Users.
- 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.
- Made with 24K Gold®: 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 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: $1,199 ($349 for each Authorized User). Terms and conditions apply.
Total Visa® Card
The Bank of Missouri
Annual Fee
See Terms*
Credit Needed
Fair/Bad Credit
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*)
- Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
- Checking account required.
Show 5 more Show less
- Free credit monitoring powered by TransUnion®
- Fast and easy application process.
- All credit types welcome to apply.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details