Maximize your spending power with the best cash-back credit cards that help you earn rewards on your everyday purchases.

Cash-back credit cards offer a simple way to earn rewards for everyday expenses. Whether you’re buying groceries, fueling up, or shopping online, the right card can make your purchases even more rewarding. In 2025, many cards are offering higher cash-back rates, lower fees, and more flexible redemption options. Choosing the best one can help you save money and improve your financial flexibility.

Let’s explore the best cash-back credit cards for 2025 that offer unbeatable value for daily spending.

In this article

Key takeaways

• Many cash-back cards in 2025 offer significant rewards on grocery, dining, and gas purchases.
• A few cards provide introductory bonuses, low fees, and high earning potential for everyday spending.
• Some cards have no annual fees and flexible redemption options, making them perfect for those who want maximum value.

Best Cash-Back Credit Cards for Everyday Expenses in 2025

Here’s a look at some of the best cash-back credit cards to use for daily purchases in 2025.

1. Chase Freedom Unlimited®

The Chase Freedom Unlimited® offers a straightforward cash-back structure that rewards you for nearly every purchase.

• 1.5% cash-back on all purchases, plus 5% on travel purchased through Chase and 3% on dining.
• No annual fee and the introductory bonus of $200 if you spend $500 in the first three months.
• Points can be redeemed for cash, gift cards, or travel.

Best for: Those looking for a simple, high-earning card with bonus categories and no annual fee.

2. Blue Cash Preferred® Card from American Express

Ideal for families and grocery shoppers, the Blue Cash Preferred® Card offers 6% cash-back on U.S. supermarket purchases (up to $6,000 per year).

• Earn 3% cash-back on transit and 1% on all other purchases.
• $95 annual fee, but the high grocery rewards can easily offset it.
• Welcome bonus of $350 after spending $3,000 in the first 6 months.

Best for: Frequent grocery shoppers and families looking for rewards on everyday essentials.

3. Citi® Double Cash Card

The Citi® Double Cash Card is a straightforward and effective choice for those who prefer simplicity.

• 2% cash-back on all purchases: 1% when you make a purchase and 1% when you pay it off.
• No annual fee and introductory balance transfer offer available.
• Ideal for consistent earners who want to maximize rewards without worrying about rotating categories.

Best for: Those who prefer a simple, flat-rate rewards card with no annual fee.

4. Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One QuicksilverOne is great for people with average credit looking for a solid cash-back card.

• Earn 1.5% cash-back on every purchase.
• $39 annual fee, but there’s no limit to the amount of cash-back you can earn.
• Enjoy 0% intro APR on purchases for the first 15 months.

Best for: Those with average credit seeking a no-hassle rewards card for everyday spending.

5. Discover it® Cash Back

The Discover it® Cash Back card offers 5% cash-back on rotating categories like groceries, restaurants, and gas (up to $1,500 each quarter, then 1%).

• 1% cash-back on all other purchases.
• No annual fee and double your cash-back at the end of your first year.
• Great for people who don’t mind activating quarterly bonus categories to maximize rewards.

Best for: Rotating categories lovers who want big rewards on select purchases.

6. Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card is perfect for those looking for a simple, consistent cash-back rate with no fuss.

• Earn 2% cash-back on every purchase, with no rotating categories to track.
• No annual fee and introductory bonus of $200 if you spend $500 in the first three months.
• Great for easy, straightforward earning without having to think about bonus categories.

Best for: Those who want a no-nonsense, flat-rate cash-back card with no annual fee.

How to Maximize Your Cash-Back Credit Card

1. Pay Your Balance in Full

To avoid interest charges and maximize the value of your rewards, pay your balance in full each month.

2. Activate Bonus Categories

For cards that offer rotating categories (like the Discover it® Cash Back), make sure to activate the categories each quarter to earn the highest rewards.

3. Redeem Your Rewards Smartly

Some cards offer better redemption rates for statement credits or travel bookings. Be sure to take advantage of these higher-value options when redeeming your cash-back rewards.

4. Watch for Introductory Offers

Many cards offer introductory bonuses if you spend a certain amount within the first few months. Take advantage of these promotions to boost your rewards early on.

FAQ

What’s the best cash-back credit card with no annual fee?

Cards like the Chase Freedom Unlimited®, Citi® Double Cash Card, and Wells Fargo Active Cash® Card all offer great rewards with no annual fee.

How can I maximize my cash-back rewards?

Pay your balance in full, activate bonus categories, and redeem your rewards smartly to get the most value out of your cash-back card.

Can I use these cards internationally?

Yes, most cash-back cards are accepted internationally, but be aware of any foreign transaction fees that may apply.

Bottom Line

The best cash-back credit cards in 2025 offer flexible rewards, low fees, and the potential for big savings on your everyday purchases. Whether you’re looking for simple cash-back on all your spending or want to take advantage of bonus categories, there’s a card that can help you save money and earn rewards on the things you buy every day.