Best Cash Back
Earn cash rewards on everyday purchases. Here are our top picks for 2026.
OUR TOP PICK
Alliant
Alliant Cashback Visa® Signature Card
ANNUAL FEE
$0
APR
11.24%-23.24% variable
WELCOME BONUS
No traditional welcome bonus
REWARDS
Unlimited 2.5% cash back on every purchase
WHY WE LOVE IT
- 2.5% unlimited cash back is the highest flat rate available from any card
- No annual fee
- No foreign transaction fees
- No penalty APR
- APR range of 11.24%-23.24% is below most national bank cards
- No spending caps or category restrictions
- Visa Signature travel and purchase protections
- Alliant membership is open to everyone
- Simple and predictable earning structure
- Extra 0.5% over 2% cards adds up to hundreds per year for high spenders
MORE GREAT OPTIONS
American Express
Cash Magnet® Card from American Express
NO FEE
Annual Fee:$0
Welcome Bonus:$200 statement credit after spending...
REWARDS
Unlimited 1.5% cash back on every purchase
American Express
Blue Cash Everyday® Card from American Express
NO FEE
Annual Fee:$0
Welcome Bonus:$200 statement credit after spending...
REWARDS
3% at US supermarkets (up to $6,000/yr, then 1%), 3% at US gas stations, 3% on US online retail, 1% on everything else
American Express
Blue Cash Preferred® Card from American Express
Annual Fee:$0 intro for the first year, then $95
Welcome Bonus:$350 statement credit after spending...
REWARDS
6% at US supermarkets (up to $6,000/yr, then 1%), 6% on select US streaming, 3% at US gas stations, 3% on US transit, 1% on everything else
Apple
Apple Card
NO FEE
Annual Fee:$0
Welcome Bonus:No welcome bonus...
REWARDS
3% Daily Cash at Apple and select merchants (Nike, Uber, T-Mobile, Walgreens, and others), 2% on Apple Pay purchases, 1% on everything else
Bank Of America
Bank of America® Customized Cash Rewards
NO FEE
Annual Fee:$0
Welcome Bonus:$200 online cash rewards bonus...
REWARDS
3% in your choice category, 2% grocery, 1% everything else
Bank Of America
Bank of America® Unlimited Cash Rewards
NO FEE
Annual Fee:$0
Welcome Bonus:$200 online cash rewards bonus...
REWARDS
Unlimited 1.5% cash back on every purchase
Barclays
AARP® Essential Rewards Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:$100 statement credit after spending...
REWARDS
3% on gas & drug stores; 2% on medical; 1% on everything else
Barclays
Barclays View™ Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:None...
REWARDS
2% cash back on all purchases (1% when earned, 1% when paid)
Barclays
Upromise® Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:$50 bonus after spending $500...
REWARDS
1.529% on all purchases; extra on dining, online, groceries via Upromise program
Capital One
Capital One Quicksilver Cash Rewards
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash bonus after spending...
REWARDS
Unlimited 1.5% cash back on every purchase
Capital One
Capital One QuicksilverOne Cash Rewards
Annual Fee:$39
Welcome Bonus:None...
REWARDS
Unlimited 1.5% cash back on every purchase
Capital One
Capital One Savor Cash Rewards
NO FEE
Annual Fee:$0
Welcome Bonus:$300 cash bonus after spending...
REWARDS
8% cash back on Capital One Entertainment, 5% on hotels and rental cars via C1 Travel, 3% on dining, entertainment, grocery, and streaming, 1% on everything else
Capital One
Capital One SavorOne Cash Rewards
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash bonus after spending...
REWARDS
8% cash back on Capital One Entertainment, 5% on hotels and rental cars via C1 Travel, 3% on dining, entertainment, grocery, and streaming, 1% on everything else
Chase
Amazon Prime Visa
Annual Fee:$0 (Prime membership required)
Welcome Bonus:$200 Amazon gift card instantly...
REWARDS
5% at Amazon and Whole Foods, 2% dining/gas/transit, 1% everything else
Chase
Amazon Visa
NO FEE
Annual Fee:$0
Welcome Bonus:$100 Amazon gift card instantly...
REWARDS
3% at Amazon, 2% dining/gas/transit, 1% everything else
Chase
Chase Freedom Flex℠
NO FEE
Annual Fee:$0
Welcome Bonus:$200 bonus cash back after...
REWARDS
5% rotating categories, 5% Chase Travel, 3% dining/drugstores, 1% everything else
Chase
Chase Freedom Unlimited®
NO FEE
Annual Fee:$0
Welcome Bonus:$300 bonus cash back after...
REWARDS
6.5% Chase Travel, 4.5% dining/drugstores (first year), then 5%/3%/3%/1.5%
Chase
DoorDash Rewards Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:None (DashPass membership included)...
REWARDS
4% on DoorDash, 2% on dining, 1% on everything else
Chase
Instacart Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:None...
REWARDS
5% on Instacart, 2% gas/dining/streaming, 1% everything else
Citi
Citi Custom Cash℠ Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash back after spending...
REWARDS
5% cash back on your top eligible spending category each billing cycle (up to $500), 1% on everything else
Citi
Citi Double Cash® Card
NO FEE
Annual Fee:$0
Welcome Bonus:No traditional welcome bonus...
REWARDS
2% cash back on every purchase: 1% when you buy plus 1% when you pay your bill
Citi
Costco Anywhere Visa® Card by Citi
Annual Fee:$0 (Costco membership required)
Welcome Bonus:No welcome bonus...
REWARDS
5% on Costco gas (up to $7,000/year), 4% on other gas and EV charging, 3% on restaurants and eligible travel, 2% on Costco and Costco.com purchases, 1% on everything else
Discover
Discover it® Cash Back
NO FEE
Annual Fee:$0
Welcome Bonus:Cashback Match: Discover automatically matches...
REWARDS
5% cash back in rotating quarterly categories (up to $1,500/quarter), 1% on everything else
Discover
Discover it® Chrome
NO FEE
Annual Fee:$0
Welcome Bonus:Cashback Match: Discover matches all...
REWARDS
2% cash back at gas stations and restaurants (up to $1,000/quarter), 1% on everything else
Navy Federal
Navy Federal cashRewards Visa Signature®
NO FEE
Annual Fee:$0
Welcome Bonus:Earn $250 cash back after...
REWARDS
Unlimited 1.5% cash back on every purchase
Penfed
PenFed Power Cash Rewards Visa Signature®
NO FEE
Annual Fee:$0
Welcome Bonus:Earn $200 cash back after...
REWARDS
Unlimited 2% cash back on all purchases
Petal
Petal® 2 “Cash Back, No Fees” Visa®
NO FEE
Annual Fee:$0
Welcome Bonus:No welcome bonus...
REWARDS
1% cash back on all purchases, increasing to 1.5% after 12 months of on-time payments
Robinhood
Robinhood Gold Card
Annual Fee:$0 (requires Robinhood Gold at $5/month)
Welcome Bonus:No welcome bonus...
REWARDS
3% cash back on all purchases with Robinhood Gold membership ($5/month). Without Gold, rewards are lower.
Synchrony
PayPal Cashback Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:No welcome bonus...
REWARDS
3% cash back on PayPal purchases, 2% cash back everywhere else
Synchrony
Venmo Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:No welcome bonus...
REWARDS
3% cash back on your top spending category each month (automatically tracked), 2% on the second highest category, 1% on everything else
Upgrade
Upgrade Cash Rewards Visa®
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash bonus after spending...
REWARDS
Unlimited 1.5% cash back on all purchases
Upgrade
Upgrade Triple Cash Rewards Visa®
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash bonus after spending...
REWARDS
3% cash back on home improvement, auto, and health categories. 1% cash back on everything else.
Us Bank
U.S. Bank Cash+® Visa Signature®
NO FEE
Annual Fee:$0
Welcome Bonus:Earn $200 bonus after spending...
REWARDS
5% cash back on two categories you choose ($2,000 combined quarterly cap), 2% on one category you choose, 1% on everything else
Us Bank
U.S. Bank Shopper Cash Rewards Visa Signature®
NO FEE
Annual Fee:$0
Welcome Bonus:Earn $200 bonus after spending...
REWARDS
6% cash back at two retailers you choose, 3% at one retailer you choose, 2% at grocery stores and gas stations, 1% on everything else
Us Bank
U.S. Bank Smartly® Visa Signature®
NO FEE
Annual Fee:$0
Welcome Bonus:Earn $250 bonus after spending...
REWARDS
4% cash back on one category you choose, 2% unlimited on everything else
Usaa
USAA Cashback Rewards Plus American Express®
NO FEE
Annual Fee:$0
Welcome Bonus:Earn $150 cash back after...
REWARDS
5% cash back on gas stations and military base purchases, 2% on groceries, 1% on everything else
Usaa
USAA Preferred Cash Rewards Visa Signature®
NO FEE
Annual Fee:$0
Welcome Bonus:Earn $200 cash back after...
REWARDS
Unlimited 1.5% cash back on every purchase
Wells Fargo
Wells Fargo Active Cash® Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash rewards bonus after...
REWARDS
Unlimited 2% cash rewards on all purchases
Wells Fargo
Wells Fargo Attune℠ Card
NO FEE
Annual Fee:$0
Welcome Bonus:$100 cash rewards bonus after...
REWARDS
4% on sustainability-related purchases, 2% on everything else
Barclays
Barclays AARP Essential Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:$100 cash back after $500...
REWARDS
3% gas/drug stores, 2% medical, 1% everywhere else
Barclays
Barclays AARP Travel Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:$100 cash back after $500...
REWARDS
3% on travel, 2% on dining, 1% everywhere else
Barclays
Barclays Athleta Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:Automatic Enthusiast status + up...
REWARDS
5x at Gap Inc. brands, 1x everywhere else
Barclays
Barclays Banana Republic Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:25% off first purchase +...
REWARDS
5x at Gap Inc. brands, 1x everywhere else
Barclays
Barclays Gap Good Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:20% off first purchase +...
REWARDS
5x at Gap Inc. brands, 1x everywhere else
Barclays
Barclays Navyist Rewards Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:30% off first purchase +...
REWARDS
5x at Gap Inc. brands, 1x everywhere else
Barclays
Barclays Upromise Mastercard
NO FEE
Annual Fee:$0
Welcome Bonus:$300 cash back rewards (limited-time...
REWARDS
1.529% (linked to 529) or 1.25% (unlinked) on all purchases
Capital One
Capital One Quicksilver Cash Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$300 welcome bonus ($100 Capital...
REWARDS
1.5% unlimited cash back, 5% on hotels/rentals through Capital One Travel
Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
Annual Fee:$39
Welcome Bonus:No welcome bonus...
REWARDS
1.5% unlimited cash back on every purchase
Capital One
Capital One Savor Cash Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$300 welcome bonus...
REWARDS
3% dining/entertainment/streaming/groceries, 5% hotels/rentals, 8% Capital One Entertainment, 1% everything else
Capital One
Capital One SavorOne Cash Rewards Credit Card (Fair Credit)
Annual Fee:$39
Welcome Bonus:No welcome bonus...
REWARDS
3% on dining/entertainment/streaming/groceries, 1% everything else
Paypal
PayPal Cashback Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:None...
REWARDS
3% on PayPal purchases, 1.5% on everything else
Us Bank
U.S. Bank Smartly™ Visa Signature® Card
NO FEE
Annual Fee:$0
Welcome Bonus:None...
REWARDS
2% unlimited cash back (up to 4% with qualifying balances)
Bank Of America
Bank of America Customized Cash Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 after $1,000 spend in...
REWARDS
6% cash back in choice category (first year), 3% thereafter, 2% groceries/wholesale clubs
Bank Of America
Bank of America Unlimited Cash Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 after $1,000 spend in...
REWARDS
2% cash back on everything (first year), 1.5% thereafter
Capital One
Capital One Quicksilver Cash Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash bonus + $100...
REWARDS
1.5% unlimited cash back
Capital One
Capital One SavorOne Rewards Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:No current welcome bonus...
REWARDS
3% dining, entertainment, groceries, streaming + 1% everything else
Citizens
Citizens Cash Back Plus™ World Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:No welcome bonus...
REWARDS
1.8% on everything (1.9% with Citizens checking)
Wells Fargo
Wells Fargo Active Cash® Card
NO FEE
Annual Fee:$0
Welcome Bonus:$200 cash rewards bonus after...
REWARDS
2% cash rewards on all purchases
What to Consider
How do I choose the right cash back card?▼
Consider your spending habits, credit score, and financial goals. Look at the rewards structure, annual fees, and additional benefits to find the best match for your needs.
What credit score do I need?▼
Most cash back cards require good to excellent credit (670+). However, some cards are available for those building or rebuilding credit. Check each card's requirements before applying.
Are annual fees worth it?▼
It depends on how you use the card. Cards with annual fees often offer higher rewards rates and premium benefits. Calculate if the rewards and perks you'll use outweigh the fee.
Ready to Apply?
Compare all cash back cards or explore other categories to find your perfect match.