Best Cashback Credit Cards 2026
Cashback cards are the simplest way to earn from everyday spending. We ranked the best cashback cards by real net value — after fees — based on average American spending patterns. Use the CardIQ calculator to see which earns the most for your specific spending.
#1
American Express® Gold Card
$250/yr · $750 welcome bonus
- ✓ 4x at US supermarkets (up to $25k/yr)
- ✓ 4x at restaurants worldwide
- ✓ $120 dining credit/yr
- ✓ $120 Uber Cash/yr
#2
Citi Double Cash® Card
No annual fee · $200 welcome bonus
- ✓ 2% on everything (1% + 1% when paid)
- ✓ No annual fee
- ✓ No category caps
- ✓ Simple, automatic rewards
#3
Blue Cash Preferred® Card
$95/yr · $300 welcome bonus
- ✓ 6% at US supermarkets (up to $6k/yr)
- ✓ 6% on select streaming
- ✓ 3% at US gas stations
- ✓ 3% on transit
#4
Discover it® Cash Back
No annual fee · Cashback match first year
- ✓ 5% rotating quarterly categories
- ✓ Cashback Match™ first year
- ✓ No annual fee ever
- ✓ No foreign transaction fees
#5
Chase Freedom Unlimited®
No annual fee · $200 welcome bonus
- ✓ 3% on dining & drugstores
- ✓ 5% on travel via Chase portal
- ✓ 1.5% on everything else
- ✓ No annual fee
#6
The Platinum Card® from Amex
$695/yr · $1,250 welcome bonus
- ✓ 5x on flights booked direct & via Amex Travel
- ✓ $200 airline fee credit/yr
- ✓ $200 hotel credit/yr
- ✓ Centurion Lounge access
#7
Blue Cash Everyday® Card
No annual fee · $200 welcome bonus
- ✓ 3% at US supermarkets (up to $6k/yr)
- ✓ 3% on select streaming
- ✓ 2% at US gas stations
- ✓ No annual fee
#8
Capital One Quicksilver
No annual fee · $200 welcome bonus
- ✓ 1.5% cash back on everything
- ✓ No annual fee
- ✓ No foreign transaction fees
- ✓ $200 welcome bonus
Methodology: Cards are evaluated based on rewards rates, annual fees, and welcome bonuses. We use average US household spending data for comparisons. CardIQ may earn a commission when you apply — this does not affect rankings.