Best Credit Card for Cash Back in 2025
Credit cards that offer cashback rewards can be a great way to earn money on your everyday purchases. Whether you're buying groceries, filling up your gas tank, or shopping online, the right card can put money back in your wallet. In 2025, several credit cards stand out for their exceptional cashback benefits. Here’s a look at the top options and what makes them worth considering.
1. Citi® Double Cash Card
Best for: Flat-rate cash back
Cashback Offer: 2% on all purchases: 1% when you buy, 1% when you pay. No rotating categories or limits.
Annual Fee: $0
APR: Variable, around 19.24%–29.24%
Why It’s Great:
Simple and consistent. You earn the same rate on every purchase, making it ideal for people who want straightforward rewards.
2. Blue Cash Preferred® Card from American Express
Best for: Grocery & streaming rewards
Cashback Offer:
- 6% at U.S. supermarkets (up to $6,000/year)
- 6% on select streaming services
- 3% on transit and gas
- 1% on other purchases
Annual Fee: $95
APR: Variable, around 19.24%–29.99%
Why It’s Great:
This card is ideal for families or individuals who spend heavily on groceries and streaming services. The rewards add up fast.
3. Chase Freedom Unlimited®
Best for: Bonus categories and flexibility
Cashback Offer:
- 5% on travel through Chase Ultimate Rewards®
- 3% on dining and drugstores
- 1.5% on all other purchases
Annual Fee: $0
APR: Variable, around 20.49%–29.24%
Why It’s Great:
A versatile card with great introductory offers and ongoing value, especially if you travel or dine out often.
4. Discover it® Cash Back
Best for: Rotating categories
Cashback Offer:
- 5% on rotating categories (up to $1,500/quarter, after activation)
- 1% on all other purchases
Cashback Match: Discover matches all your cashback in the first year.
Annual fee: $0
APR: Variable, around 17.24%–28.24%
Why It’s Great:
Great for maximizing rewards in specific areas, especially with the first-year match bonus.
Choosing the Right Cash Back Card
- When picking a cashback credit card, consider:
- Spending habits (e.g., groceries, gas, dining)
- Annual fees vs. potential rewards
- Intro offers and bonuses
- Simplicity vs. strategy (flat-rate vs. rotating categories)
Pro Tip: If you can manage more than one card, consider pairing a flat-rate card with one that has bonus categories to maximize rewards.
Final Thoughts
Cashback credit cards are a practical way to earn money while you spend. By choosing the right one for your lifestyle, you can make every dollar work a little harder. Whether you want simplicity, flexibility, or targeted rewards, there’s a perfect card for you in 2025.
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