Best Cash Back Credit Cards 2026
Earn cash rewards on every purchase with these top cash back cards.12 cards worth $2,500+ in sign-up bonuses.
Quick Picks
Blue Cash Preferred Card
Citi Custom Cash Card
Chase Freedom Unlimited
Capital One SavorOne
Chase Freedom Flex
Blue Cash Everyday Card
Citi Double Cash Card
Capital One Quicksilver
Bank of America Unlimited Cash Rewards
Bank of America Customized Cash Rewards
Wells Fargo Active Cash Card
Frequently Asked Questions
What is the best cash back credit card?
The Chase Freedom Unlimited offers 1.5% flat rate on everything plus a strong sign-up bonus. For category spending, the Discover it Cash Back offers 5% rotating categories. The Citi Custom Cash offers 5% on your top spending category automatically.
Is cash back or travel rewards better?
Cash back is simpler and more flexible — you get statement credits directly. Travel rewards can offer higher per-point value (1.5-2 cents per point when transferred to airlines) but require more effort to maximize. Cash back is best for most people.
How does 5% cash back work on rotating categories?
Cards like Discover it and Chase Freedom Flex offer 5% on categories that change each quarter (groceries, gas, dining, Amazon, etc.). You need to activate the bonus each quarter and spending is typically capped at $1,500/quarter.
Is the Wells Fargo Active Cash a good card?
Yes. The Wells Fargo Active Cash is one of the best flat-rate cash back cards available. It earns 2% on all purchases with no annual fee and a $200 sign-up bonus. It competes directly with the Citi Double Cash but is simpler since rewards are earned upfront, not split between purchase and payment.
Do cash back rewards expire?
Generally no. Cash back earned with Chase, Discover, and Capital One doesn't expire as long as your account is open and in good standing. Check your card's specific terms.