💵 Best cash back credit cards
The best cash back credit cards ranked by real yearly earnings on everyday spending — no points math, no transfer partners.
How this ranking works
Every card is scored by the same engine as our card finder quiz, using a fixed profile: $425/mo dining & restaurants · $425/mo groceries · $125/mo gas & ev charging · $900/mo everything else, booking travel directly. Points are valued at conservative baselines, spending caps are applied, and the annual fee is subtracted. Only cards in the Cash Back category are considered. Your own spending will rank these differently — the quiz personalizes it.
- 1Blue Cash Everyday® Card from American ExpressAmerican Express · No fee
~$621/yr back at this profile
3% groceries ≈ $153/yr1% dining & restaurants ≈ $51/yr3% gas & ev charging ≈ $45/yr$264/yr in credits - 2Blue Cash Preferred® Card from American ExpressAmerican Express · $95/yr fee
~$630/yr back at this profile → +$535 after the fee
6% groceries ≈ $306/yr1% dining & restaurants ≈ $51/yr3% gas & ev charging ≈ $45/yr$120/yr in credits - 3Chase Freedom Unlimited®Chase · No fee
~$454/yr back at this profile
3% dining & restaurants ≈ $153/yr1.5% groceries ≈ $77/yr$40/yr in credits - 4Citi Double Cash® CardCiti · No fee
~$450/yr back at this profile
2% dining & restaurants ≈ $102/yr2% groceries ≈ $102/yr2% gas & ev charging ≈ $30/yr - 5Wells Fargo Active Cash® CardWells Fargo · No fee
~$450/yr back at this profile
2% dining & restaurants ≈ $102/yr2% groceries ≈ $102/yr2% gas & ev charging ≈ $30/yr - 6Capital One Savor Cash Rewards Credit CardCapital One · No fee
~$429/yr back at this profile
3% dining & restaurants ≈ $153/yr3% groceries ≈ $153/yr - 7Chase Freedom Flex® Credit CardChase · No fee
~$367/yr back at this profile
3% dining & restaurants ≈ $153/yr1% groceries ≈ $51/yr$40/yr in credits - 8Discover it® Cash BackDiscover · No fee
~$225/yr back at this profile
1% dining & restaurants ≈ $51/yr1% groceries ≈ $51/yr
PerkSwipe may earn a commission if you apply through our links. That never affects how we rank cards — the ranking above is pure math.
4cards without structured earning data weren't ranked
Capital One Quicksilver Cash Rewards Credit Card, Bank of America® Customized Cash Rewards credit card, Bank of America® Unlimited Cash Rewards credit card, U.S. Bank Cash+® Visa Signature® Card
Rankings based on your actual spending
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More guides
Estimates use conservative baseline point values and the disclosed spending profile — your results will differ. Card terms change often; verify with the issuer before applying. PerkSwipe is independent and not affiliated with any issuer. Nothing here is financial advice.