Best Cashback Cards for 2025: Choose the Right One for You

Discover the Top Cashback Cards of 2025

Who doesn’t love getting money back on their purchases? Cashback credit cards are like a hidden life hack, rewarding you for the money you were going to spend anyway. Whether you’re filling up your gas tank, buying groceries, or treating yourself to a weekend getaway, the right cashback card can put real dollars back in your pocket. But with so many options out there, how do you know which card is actually worth it?

That’s where we come in. We’ve sifted through the best cashback credit cards of 2025 to bring you a list of top contenders. Whether you’re looking for the highest return rates, the best sign-up bonuses, or a hassle-free way to earn rewards, there’s a card for you. Let’s break it down so you can start maximizing your money today!

1. Chase Freedom Unlimited

This card is all about effortless earning. You get a flat 1.5% cashback on every purchase, no categories to track, no activation required. 

Plus, there’s a sweet welcome bonus: earn $200 after spending $500 in the first three months. It also offers 5% cashback on travel booked through Chase and 3% on dining and drugstore purchases. With no annual fee, it’s a solid pick for everyday spending.

•  Best for: Simplicity and consistent rewards.

2. Citi Double Cash Card

This card rewards responsible spending, you earn 1% cashback when you make a purchase and another 1% when you pay it off. That’s 2% cashback on everything, making it one of the highest flat-rate cashback cards available. 

It’s great for those who don’t want to juggle spending categories.

• Best for: People who pay their balance in full and want a high, unlimited cashback rate.

3. Discover it Cash Back

Discover keeps things fun with 5% cashback on rotating categories each quarter (like groceries, gas, and restaurants) and 1% on everything else. 

The best part? Discover matches all the cashback you’ve earned at the end of your first year, essentially doubling your rewards. This can be a great choice if you’re willing to keep track of bonus categories.

• Best for: Maximizing rewards in specific spending categories.

4. Blue Cash Preferred Card from American Express

Why You’ll Love It: If you spend a lot on groceries and streaming services, this is your golden ticket. 

You earn 6% cashback at U.S. supermarkets (up to $6,000 per year, then 1%) and 6% on select U.S. streaming subscriptions. It also offers 3% back at gas stations and on transit. There’s a $95 annual fee, but for heavy grocery spenders, the rewards easily outweigh the cost.

• Best for: Families and people who spend big on groceries and streaming.

5. Capital One Quicksilver Cash Rewards Credit Card

Why You’ll Love It: Simplicity is the name of the game here. You earn unlimited 1.5% cashback on every purchase, every day, no categories, no activation. 

Plus, you get a $200 cash bonus after spending $500 in the first three months. And with no foreign transaction fees, it’s a great pick for travelers.

• Best for: Frequent travelers and those who want a no-fuss cashback card.

Choosing the Right Card for You

Cashback cards vary in rewards, so choosing the best one depends on your spending habits. If you prefer a flat-rate cashback, options like Citi Double Cash or Capital One Quicksilver offer consistent earnings on all purchases. 

For those who enjoy rotating bonus categories, the Discover it Cash Back card provides excellent value.

If groceries and streaming services make up a large part of your budget, the Blue Cash Preferred card is a great fit. Meanwhile, for those seeking a straightforward rewards structure without category tracking, Chase Freedom Unlimited® delivers reliable and easy-to-earn cashback.

Before applying, always check the fine print, interest rates, and any fees to make sure the card aligns with your financial goals.

For more details and up-to-date cashback offers, check out NerdWallet’s latest credit card reviews.

With the right card in your wallet, you can turn everyday spending into real savings. Happy earning!

Written by

Juliana Raquel