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Best cashback credit cards

Only cards catalogued as a cashback card, ranked by the flat rate stated on each review. Category-specific or capped rates are noted in the full review, not folded into this number.

How we judged this

· Pool is restricted to cards tagged cashback in our catalog — a high cashback-like rate on a travel or shopping card doesn't qualify it for this list.
· Ranked by the headline percentage stated in each card's rewardsRate text, highest first.
· Category caps, minimum spend requirements, and monthly ceilings are real and often significant — they're in the full review, not reflected in the ranking number itself.

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How to choose a cashback card for your spending

Match the eligible categories and merchants to where you already spend. The highest headline percentage may apply to only part of your spending.
Check each review for monthly caps, excluded payments and minimum-spend conditions. A capped rate is not an unlimited return.
Compare annual cashback after the annual fee and applicable taxes. Count a fee waiver only when your normal eligible spending meets its threshold.

This shortlist is ordered by headline rate. Use the spend calculator for category rates, published caps and annual-fee impact, then check the review for unknown fields and issuer terms.

Compare cashback with your monthly spending →

Compare the top cards

Rankings are rebuilt when an underlying card review changes.

What would change this ranking

A bank revises the headline cashback rate (common after a promotional period ends).

A card's category caps tighten enough that the effective rate is meaningfully lower than the headline number.

A new cashback card launches with a higher stated flat rate.

Questions people ask

Why is this list so short?

Only a small number of cards in our catalog are tagged as dedicated cashback cards with a clear stated flat rate — many banks fold cashback into a broader points program instead, which shows up on the travel or free lists rather than here.

How often does this ranking update?

Whenever the underlying card reviews change — a fee revision, a devaluation, a new card added — not on a fixed calendar. A month with no movement here means nothing changed on the reviewed cards, not that the check was skipped.

Does CredSutra get paid for cards on this list?

Some cards link to affiliate partners; that has no bearing on rank. Rank is decided purely by the metric described above, computed the same way for every card regardless of whether we earn a referral fee.

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Best Overall

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This ranking is decided purely by the methodology described above. Some cards carry affiliate links; that has no bearing on rank.