If you’re using a credit card, you might as well get paid for it.
In 2025, U.S. banks offer generous cashback cards that reward you every time you shop — from groceries to streaming services.

Here’s a complete guide to the best cashback credit cards in the USA, perfect for beginners, families, and everyday spenders.

💰 1. Chase Freedom Unlimited® – Best Overall Cashback Card

Why It’s Great:
A top all-rounder for flat cashback and bonus categories.

Rewards Breakdown:

• 1.5% cashback on all purchases

• 3% on dining & drugstores

• 5% on travel via Chase Ultimate Rewards

Key Benefits:

• No annual fee

• 0% intro APR for 15 months

• Cash back never expires

Credit Needed: Good to Excellent (670+)
Link: https://www.chase.com/personal/credit-cards/freedom/unlimited

📘 Reference: NerdWallet – Best Cashback Cards 2025

💵 2. Citi® Custom Cash℠ Card – Best for Flexible Categories

Why It’s Great:
Automatically rewards you in the category where you spend the most each month.

Rewards:

• 5% cashback on top spending category (up to $500/month)

• 1% on all other purchases

Best For: Grocery, gas, or utility spenders.
Link: https://www.citi.com/credit-cards

💡 SEO Tip: Target “best flexible cashback credit card USA.”

🏦 3. Wells Fargo Active Cash® Card – Best Flat Rate Card

Why It’s Great:
Simple and consistent — 2% cashback on every purchase, no limits.

Features:

• $200 welcome bonus after $500 spent

• Cell phone protection up to $600

• No annual fee

Link: https://www.wellsfargo.com/credit-cards/

📘 Reference: Bankrate – Best Flat Cashback Cards

🛍️ 4. Discover it® Cash Back – Best for Rotating Categories

Why It’s Great:
5% cashback on quarterly categories and 1% on all other purchases.

Highlights:

• Cashback Match doubles first-year rewards

• Free credit score tracking

• No annual fee

Bonus Tip: Check Discover’s calendar for 2025 categories (Amazon, gas, groceries).
Link: https://www.discover.com/credit-cards/cashback/

🍔 5. Capital One SavorOne® – Best for Food & Entertainment

Why It’s Great:
Ideal for families and social spenders.

Rewards:

• 3% cashback on dining, groceries & entertainment

• 5% on hotels & rental cars via Capital One Travel

• 1% on everything else

Key Benefits:

• No annual fee

• Great for Netflix, Uber Eats, and movie nights

Link: https://www.capitalone.com/credit-cards/

💡 SEO Keyword: “best cashback card for dining USA.”

🧾 6. American Express Blue Cash Everyday® – Best for Families

Why It’s Great:
Perfect for household spending on groceries, gas, and streaming.

Rewards:

• 3% on U.S. supermarkets (up to $6,000/year)

• 3% on U.S. online retail & gas

• 1% on everything else

Link: https://www.americanexpress.com/

📘 Reference: Forbes – AmEx Cashback Review 2025

💳 7. Citi® Double Cash Card – Best for Simple Rewards

Why It’s Great:
Straightforward — earn 1% when you buy and 1% when you pay.

Features:

• 2% total cashback

• No category tracking

• No annual fee

Link: https://www.citi.com/credit-cards/

💡 Great for minimalists who want hassle-free cashback.

📈 8. U.S. Bank Cash+® Visa – Best Customizable Cashback Card

Why It’s Great:
Choose your own 5% categories every quarter.

Features:

• 5% cashback on two chosen categories

• 2% on one everyday category (gas, groceries, dining)

• 1% on everything else

Link: https://www.usbank.com/credit-cards/

📘 Reference: Investopedia – U.S. Bank Cash+ Review

⚙️ 9. How to Pick the Right Cashback Card

When choosing the best cashback card, look for:
✅ No annual fee
✅ Flexible rewards categories
✅ Easy redemption options (cash, statement credit)
✅ Bonus categories that match your lifestyle

💬 Pro Tip: Use one card for groceries and another for dining to maximize cashback potential.

💬 Conclusion

The best cashback credit cards in the USA offer rewards for the things you already buy groceries, gas, travel, and more.

If you want simplicity, choose Wells Fargo Active Cash®.
If you prefer rotating categories, go with Discover it®.
And for balanced rewards, Chase Freedom Unlimited® is the all-around winner.

No matter your choice  pay on time, stay within your limit, and let your credit card work for you, not against you.