Best Credit Cards for Cashback and Rewards in 2025

Credit cards with cashback and rewards offer a great way to earn money on everyday purchases. Whether you want flat-rate cashback, category-based rewards, or travel perks, there’s a card that fits your spending habits.

Here’s a breakdown of the best cashback and rewards credit cards in 2025 based on spending categories, fees, and benefits.

Best Flat-Rate Cashback Credit Cards

Flat-rate cashback cards offer a fixed percentage on all purchases, making them great for simplicity.

1. Wells Fargo Active Cash® Card

💰 Cashback Rate: 2% unlimited on all purchases
🎁 Welcome Bonus: $200 after spending $500 in the first 3 months
💳 Annual Fee: $0
💲 APR: 0% intro APR for 15 months, then 20.24% – 29.99% variable

Best for: People who want straightforward unlimited cashback without tracking categories.

2. Citi® Double Cash Card

💰 Cashback Rate: 1% when you buy + 1% when you pay (total of 2%)
🎁 Welcome Bonus: None
💳 Annual Fee: $0
💲 APR: 18.99% – 28.99% variable

Best for: Those who pay off their balances in full each month to maximize the full 2% cashback.

Best Rotating Category Cashback Cards

These cards offer higher cashback in rotating categories each quarter, but you need to activate the categories to earn the bonus.

3. Chase Freedom Flex℠

💰 Cashback Rate:

• 5% on rotating categories (up to $1,500 per quarter)
• 5% on travel booked through Chase Ultimate Rewards®
• 3% on dining & drugstores
• 1% on everything else
  🎁 Welcome Bonus: $200 after spending $500 in 3 months
  💳 Annual Fee: $0
  💲 APR: 0% intro APR for 15 months, then 20.49% – 29.24% variable

Best for: People who can maximize the rotating 5% categories each quarter.

4. Discover it® Cash Back

💰 Cashback Rate:

• 5% on rotating categories (up to $1,500 per quarter)
• 1% on all other purchases
  🎁 Welcome Bonus: Discover will match all cashback earned in the first year
  💳 Annual Fee: $0
  💲 APR: 0% intro APR for 15 months, then 17.24% – 28.24% variable

Best for: Those who want a big first-year cashback bonus with the cashback match.

Best Cashback Credit Cards for Dining & Groceries

5. American Express® Blue Cash Preferred

💰 Cashback Rate:

• 6% on groceries (up to $6,000 per year, then 1%)
• 6% on select streaming services
• 3% on transit & gas
• 1% on everything else
  🎁 Welcome Bonus: $250 after spending $3,000 in 6 months
  💳 Annual Fee: $95 (waived first year)
  💲 APR: 0% intro APR for 12 months, then 19.24% – 29.99% variable

Best for: Households that spend a lot on groceries and streaming services.

6. Capital One SavorOne Cash Rewards Credit Card

💰 Cashback Rate:

• 3% on dining, entertainment, and groceries
• 1% on all other purchases
  🎁 Welcome Bonus: $200 after spending $500 in 3 months
  💳 Annual Fee: $0
  💲 APR: 0% intro APR for 15 months, then 19.99% – 29.99% variable

Best for: Foodies and entertainment lovers who want no annual fee.

Best Travel Rewards Credit Cards

7. Chase Sapphire Preferred® Card

🌍 Rewards Rate:

• 5x on travel through Chase Ultimate Rewards®
• 3x on dining, streaming, and online groceries
• 2x on all other travel
  🎁 Welcome Bonus: 60,000 points after spending $4,000 in 3 months (worth $750 in travel)
  💳 Annual Fee: $95
  💲 APR: 21.24% – 28.24% variable

Best for: Travelers who want flexible point redemption options.

8. Capital One Venture Rewards Credit Card

🌍 Rewards Rate:

• 2x miles on every purchase
• 5x miles on hotels & rental cars booked through Capital One Travel
  🎁 Welcome Bonus: 75,000 miles after spending $4,000 in 3 months (worth $750 in travel)
  💳 Annual Fee: $95
  💲 APR: 20.99% – 28.99% variable

Best for: Those who prefer simple, flexible travel rewards without worrying about categories.

Best Credit Card for Premium Rewards & Luxury Travel

9. The Platinum Card® from American Express

🌍 Rewards Rate:

• 5x on flights & hotels booked through Amex Travel
• 1x on all other purchases
  🎁 Welcome Bonus: 80,000 points after spending $8,000 in 6 months
  💳 Annual Fee: $695
  💲 APR: High variable APR

🚀 Premium Perks:
✔ Lounge access at Centurion, Priority Pass, and Delta Sky Clubs
✔ $200 airline fee credit
✔ $200 Uber Cash per year
✔ $100 Global Entry/TSA PreCheck credit

Best for: Frequent travelers who want luxury perks like airport lounges and elite travel status.

The best cashback and rewards credit card depends on your spending habits. Whether you want flat-rate cashback, bonus categories, or premium travel perks, there’s a card for you in 2025.

FAQs About Cashback and Rewards Credit Cards