Credit cards

Cash Back credit cards

Fixed-rate and category cash-back cards. Simple, predictable, and the benchmark every points card should be measured against.

How to read these listings. Every card shows an availability label and a verification label. Where we could not confirm a figure on a page we could read, the field is left blank rather than filled in from memory. Each review says exactly what was checked and when.

American Express
Blue Cash Everyday® Card from American Express
Open to new applicants
The no-fee version. Lower rates, same caps, and online retail replaces streaming.
Offer: Up to $200 cash back
Annual fee$0
American Express
Blue Cash Preferred® Card from American Express
Open to new applicants
The best supermarket card in the US, as long as you stay under the $6,000 cap and do not shop at warehouse clubs.
Offer: Up to $300 cash back
Annual fee$95 after year one
Bank of America
Bank of America® Customized Cash Rewards credit card
Open to new applicants
You pick the 3% category. With Preferred Rewards balances the rate climbs significantly.
Offer: 6% cash back in your chosen category for the first year, plus a $200 cash rewards bonus
Annual fee$0
Bank of America
Bank of America® Unlimited Cash Rewards credit card
Open to new applicants
Bank of America's flat-rate card. Like its sibling, it gets much better with Preferred Rewards balances.
Offer: $250 cash rewards bonus
Annual fee$0
Capital One
Capital One Quicksilver Cash Rewards Credit Card
Open to new applicants
Flat-rate cash back with no foreign transaction fee, which makes it a reasonable travel companion despite being a cash-back card.
Offer: $200 cash bonus
Annual fee$0
Capital One
Capital One Savor Cash Rewards Credit Card
Open to new applicants
A no-fee dining and entertainment card. The uncapped dining rate is the reason to hold it.
Offer: $200 cash bonus
Annual fee$0
Chase
Chase Freedom Flex®
Open to new applicants
Rotating 5% categories, which means quarterly activation and a cap. Rewarding if you remember; worthless if you forget.
Offer: $200 bonus
Annual fee$0
Chase
Chase Freedom Unlimited®
Open to new applicants
Marketed as cash back, but the points become transferable if you also hold a Sapphire card. That is the whole trick.
Offer: $200 bonus
Annual fee$0
Citi
Citi Double Cash® Card
Open to new applicants
The flat-rate benchmark: 1% when you buy, 1% when you pay. Nothing to track, nothing to activate.
Offer: Cash back after qualifying purchases
Annual fee$0
Discover
Discover it® Cash Back
Open to new applicants
Rotating 5% categories plus a first-year match that effectively doubles everything you earn.
Offer: $200 statement credit bonus after $500 in 3 months, plus Unlimited Cashback Match
Annual fee$0
Discover
Discover it® Miles
Open to new applicants
Flat-rate miles with a first-year match. The miles are a fixed-value travel credit, not transferable points.
Offer: Unlimited Discover Match on miles earned in the first year
Annual fee$0
U.S. Bank
U.S. Bank Cash+® Visa Signature® Card
Open to new applicants
You choose two 5% categories each quarter from a published list, which is more control than most rotating-category cards give you.
Offer: $200 cash back
Annual feeNot verified
Wells Fargo
Wells Fargo Active Cash® Card
Open to new applicants
Flat 2% on everything with no annual fee. One of the simplest cards worth owning.
Offer: $100 cash rewards bonus
Annual fee$0
Citi
Citi Custom Cash® Card
Closed to new applicants
Closed to new applications since May 2026. Existing cardholders keep the card and its 5% top-category structure.
Offer: Not available to new applicants
Annual fee$0
Alliant Credit Union
Alliant Visa® Signature Cashback Card
Status not verified
Status and terms not verified in this build. Check Alliant directly.
Offer: Not verified
Annual feeNot verified
Fidelity (issued through a partner bank)
Fidelity® Rewards Visa Signature® Card
Status not verified
Status and terms not verified in this build. Check Fidelity directly.
Offer: Not verified
Annual feeNot verified
U.S. Bank
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Status not verified
Not found on U.S. Bank's current card listing page and not otherwise verified in this build.
Offer: Not verified
Annual feeNot verified

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