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Best Credit Cards for cash back

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for cash back

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:All OtherConcept: Cash Back+3 moreCached
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62 matches238ms

Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

Fidelity Rewards Visa Signature Card
1

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.OpenTable Special Dining Events
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.Visa Signature Travel & Emergency Assistance

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
Citi Double Cash Card
2

Citi Double Cash Card

Citi

2% cash back

Why this card

    No annual fee

    MASTERCARD
    2.0¢
    per dollar
    No annual fee
    Annual rewards$120
    Net annual value$120
    3

    TD Double Up Credit Card

    Td Bank

    2% cash back

    Why this card

    1. 1.Auto Rental Collision Damage Waiver
    2. 2.OpenTable Special Dining Events
    3. 3.Visa Signature Rental Car Privileges
    4. 4.$5/yr Booking.com Travel Credits
    5. 5.Visa Signature Travel & Emergency Assistance

    No annual fee

    VISA
    2.0¢
    per dollar
    No annual fee
    Annual rewards$120
    Net annual value$120
    U.S. Bank Smartly Visa Signature Card
    4

    U.S. Bank Smartly Visa Signature Card

    Usbank

    2% cash back

    Why this card

    1. 1.Auto Rental Collision Damage Waiver
    2. 2.OpenTable Special Dining Events
    3. 3.Visa Signature Rental Car Privileges
    4. 4.$5/yr Booking.com Travel Credits
    5. 5.Visa Signature Travel & Emergency Assistance

    No annual fee

    VISA
    2.0¢
    per dollar
    No annual fee
    Annual rewards$120
    Net annual value$120
    Wells Fargo Active Cash Card
    5

    Wells Fargo Active Cash Card

    Wells Fargo

    2% cash back
    Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

    Why this card

    1. 1.OpenTable Special Dining Events
    2. 2.Visa Signature Rental Car Privileges
    3. 3.Auto Rental Collision Damage Waiver
    4. 4.My Wells Fargo Deals
    5. 5.Emergency Cash and Card Replacement
    VISA
    2.0¢
    per dollar
    No annual fee
    Annual rewards$120
    Net annual value$120
    Rakuten American Express Card
    6

    Rakuten American Express Card

    First Electronic Bank

    1% cash back

    Convertible Cash Back — 1.0–2.0¢/$

    This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

    Why this card

    1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

    No annual fee

    AMEXConvertible
    1.0–2.0¢
    per dollar
    depending on redemption
    No annual fee
    Annual rewards$112.80
    Net annual value$112.80
    7

    SoFi Credit Card

    Sofi

    2% cash back

    Why this card

      No annual fee

      MASTERCARD
      2.0¢
      per dollar
      No annual fee
      Annual rewards$120
      Net annual value$120
      Synchrony Premier Mastercard
      8

      Synchrony Premier Mastercard

      Synchrony

      2% cash back

      Why this card

        No annual fee

        MASTERCARD
        2.0¢
        per dollar
        No annual fee
        Annual rewards$120
        Net annual value$120
        Navy Federal Visa cashRewards Card
        9

        Navy Federal Visa cashRewards Card

        Navy Federal

        1.5% cash back

        Why this card

        1. 1.Auto Rental Collision Damage Waiver
        2. 2.Auto Rental Collision Damage Waiver
        3. 3.OpenTable Special Dining Events
        4. 4.Visa Signature Rental Car Privileges
        5. 5.$5/yr Booking.com Travel Credits

        No annual fee

        VISA
        1.5¢
        per dollar
        No annual fee
        Annual rewards$90
        Net annual value$90
        Chase Freedom Unlimited
        10

        Chase Freedom Unlimited

        Chase

        1.5% cash back

        Why this card

        1. 1.$30/yr DoorDash DashPass Subscription
        2. 2.Auto Rental Collision Damage Waiver
        3. 3.Trip Cancellation and Interruption Insurance
        4. 4.Travel and Emergency Assistance Services

        No annual fee

        VISA
        1.6¢
        per dollar
        No annual fee
        Annual rewards$99
        Net annual value$99
        bp rewards Visa®
        11

        bp rewards Visa®

        Fnbo

        1% cash back

        Why this card

          No annual fee

          VISA
          1.7¢
          per dollar
          No annual fee
          Annual rewards$102.00
          Net annual value$102.00
          Bank of America Customized Cash Rewards Credit Card
          12

          Bank of America Customized Cash Rewards Credit Card

          Bank Of America

          1% cash back

          Why this card

          1. 1.Auto Rental Collision Damage Waiver
          2. 2.OpenTable Special Dining Events
          3. 3.Visa Signature Rental Car Privileges
          4. 4.$5/yr Booking.com Travel Credits
          5. 5.Visa Signature Travel & Emergency Assistance

          No annual fee

          VISA
          1.5¢
          per dollar
          No annual fee
          Annual rewards$90
          Net annual value$90

          Bonus rate on first $2,500/quarterly, then base rate

          DoorDash Rewards Mastercard®
          13

          DoorDash Rewards Mastercard®

          Chase

          1% cash back

          Why this card

          1. 1.$153/yr 10% Monthly Grocery Discount
          2. 2.Auto Rental Coverage

          No annual fee

          MASTERCARD
          1.1¢
          per dollar
          No annual fee($1.92 in credits)
          Annual rewards$66
          + Credits$1.92
          Net annual value$67.92
          Bank of America® Unlimited Cash Rewards Secured
          14

          Bank of America® Unlimited Cash Rewards Secured

          Bank Of America

          1.5% cash back

          Why this card

          1. 1.1.5% cash back ($90/yr on $6,000 spend)

          No annual fee

          VISACore Rate
          1.5¢
          per dollar
          No annual fee
          Annual rewards$90
          Net annual value$90
          15

          USAA Cashback Rewards Plus American Express Card

          Usaa

          1% cash back

          Why this card

            No annual fee

            AMEX
            1.5¢
            per dollar
            No annual fee
            Annual rewards$90
            Net annual value$90
            Capital One QuicksilverOne Cash Rewards Credit Card
            16

            Capital One QuicksilverOne Cash Rewards Credit Card

            Capital One

            1.5% cash back
            MASTERCARD
            1.5¢
            per dollar
            $39/yr
            Annual rewards$90
            − Annual fee$39
            Net annual value$51
            Susan G. Komen® Customized Cash Rewards
            17

            Susan G. Komen® Customized Cash Rewards

            Bank Of America

            1% cash back

            Why this card

            1. 1.Auto Rental Collision Damage Waiver
            2. 2.OpenTable Special Dining Events
            3. 3.Visa Signature Rental Car Privileges
            4. 4.$5/yr Booking.com Travel Credits
            5. 5.Visa Signature Travel & Emergency Assistance

            No annual fee

            VISA
            1.5¢
            per dollar
            No annual fee
            Annual rewards$90
            Net annual value$90

            Bonus rate on first $2,500/quarterly, then base rate

            Capital One Quicksilver Cash Rewards Credit Card
            18

            Capital One Quicksilver Cash Rewards Credit Card

            Capital One

            1.5% cash back

            Why this card

            1. 1.$20/yr Lyft Credits
            2. 2.$15/yr Mastercard Transit Benefit
            3. 3.$30/yr Instacart+ Savings
            4. 4.Mastercard Travel & Lifestyle Services

            No annual fee

            MASTERCARD
            1.5¢
            per dollar
            No annual fee
            Annual rewards$90
            Net annual value$90
            Costco Anywhere Visa Card by Citi
            19

            Costco Anywhere Visa Card by Citi

            Citi

            1% cash back

            Why this card

            1. 1.Travel Accident Insurance

            No annual fee

            VISA
            1.5¢
            per dollar
            No annual fee
            Annual rewards$90
            Net annual value$90

            Bonus rate on first $7,000/annual, then base rate

            20

            Imagine Visa Credit Card

            Imagine Financial

            1% cash back
            VISA
            1.4¢
            per dollar
            $99/yr
            Annual rewards$84
            − Annual fee$99
            Net annual value-$15
            Chase Freedom Flex
            21

            Chase Freedom Flex

            Chase

            1% cash back

            Why this card

            1. 1.$30/yr Instacart+ Savings
            2. 2.$20/yr Lyft Credits
            3. 3.$15/yr Mastercard Transit Benefit
            4. 4.$30/yr DashPass Subscription
            5. 5.$20/yr DoorDash

            No annual fee

            MASTERCARD
            1.2¢
            per dollar
            No annual fee
            Annual rewards$72
            Net annual value$72
            22

            TD Cash Credit Card

            Td Bank

            1% cash back

            Why this card

            1. 1.Auto Rental Collision Damage Waiver
            2. 2.OpenTable Special Dining Events
            3. 3.Visa Signature Rental Car Privileges
            4. 4.$5/yr Booking.com Travel Credits
            5. 5.Visa Signature Travel & Emergency Assistance

            No annual fee

            VISA
            1.6¢
            per dollar
            No annual fee
            Annual rewards$96.00
            Net annual value$96.00
            Discover it® Chrome
            23

            Discover it® Chrome

            Discover

            1% cash back

            Why this card

              No annual fee

              DISCOVER
              1.2¢
              per dollar
              No annual fee
              Annual rewards$72
              Net annual value$72

              Bonus rate on first $1,000/quarterly, then base rate

              Amazon Visa
              24

              Amazon Visa

              Chase

              1% cash back

              Why this card

              1. 1.Auto Rental Collision Damage Waiver
              2. 2.Visa Signature Rental Car Privileges
              3. 3.Travel & Emergency Assistance
              4. 4.OpenTable Special Dining Events
              5. 5.$5/yr Booking.com Travel Credits

              No annual fee

              VISA
              1.2¢
              per dollar
              No annual fee
              Annual rewards$72
              Net annual value$72
              Bank of America® Unlimited Cash Rewards for Students
              25

              Bank of America® Unlimited Cash Rewards for Students

              Bank Of America

              1.5% cash back

              Why this card

              1. 1.Auto Rental Collision Damage Waiver
              2. 2.OpenTable Special Dining Events
              3. 3.Visa Signature Rental Car Privileges
              4. 4.$5/yr Booking.com Travel Credits
              5. 5.Visa Signature Travel & Emergency Assistance

              No annual fee

              VISA
              1.5¢
              per dollar
              No annual fee
              Annual rewards$90
              Net annual value$90
              Bank of America Unlimited Cash Rewards Credit Card
              26

              Bank of America Unlimited Cash Rewards Credit Card

              Bank Of America

              1.5% cash back

              Why this card

              1. 1.Auto Rental Collision Damage Waiver
              2. 2.OpenTable Special Dining Events
              3. 3.Visa Signature Rental Car Privileges
              4. 4.$5/yr Booking.com Travel Credits
              5. 5.Visa Signature Travel & Emergency Assistance

              No annual fee

              VISA
              1.5¢
              per dollar
              No annual fee
              Annual rewards$90
              Net annual value$90
              PayPal Cashback Mastercard
              27

              PayPal Cashback Mastercard

              Synchrony

              1.5% cash back

              Why this card

              1. 1.$20/yr Lyft Credits
              2. 2.$15/yr Mastercard Transit Benefit
              3. 3.$30/yr Instacart+ Savings
              4. 4.Mastercard Travel & Lifestyle Services

              No annual fee

              MASTERCARD
              1.5¢
              per dollar
              No annual fee
              Annual rewards$90
              Net annual value$90
              Barclays View Mastercard
              28

              Barclays View Mastercard

              Barclays

              1% cash back

              Why this card

                No annual fee

                MASTERCARD
                1.3¢
                per dollar
                No annual fee
                Annual rewards$78
                Net annual value$78
                U.S. Bank Cash+® Visa Signature® Card
                29

                U.S. Bank Cash+® Visa Signature® Card

                Usbank

                1% cash back

                Why this card

                  No annual fee

                  VISA
                  1.3¢
                  per dollar
                  No annual fee
                  Annual rewards$78
                  Net annual value$78
                  Capital One Quicksilver Student Cash Rewards Credit Card
                  30

                  Capital One Quicksilver Student Cash Rewards Credit Card

                  Capital One

                  1.5% cash back

                  Why this card

                  1. 1.Travel Insurance

                  No annual fee

                  MASTERCARD
                  1.5¢
                  per dollar
                  No annual fee
                  Annual rewards$90
                  Net annual value$90