Best Credit Cards for Cashback & Rewards in USA (2025 Edition)

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Best Credit Cards for Cashback & Rewards in USA (2025 Edition)

If you’re looking to earn money while you spend, cashback and rewards credit cards are the way to go. In 2025, many U.S. banks and financial institutions are offering high-value perks like 5% cashback, welcome bonuses, and even no annual fees.

šŸ”„ Top Credit Cards for Cashback & Rewards in 2025

1. Chase Freedom UnlimitedĀ®

  • Cashback: 1.5% on all purchases, 3% on dining and drugstores, 5% on travel booked via Chase
  • Welcome Bonus: $200 after you spend $500 in 3 months
  • Annual Fee: $0
  • Apply Now

2. Capital One SavorOne Cash Rewards Credit Card

  • Cashback: 3% on dining, entertainment, grocery stores; 1% on everything else
  • Welcome Bonus: $200 on $500 spend in 3 months
  • Annual Fee: $0
  • Get This Card

3. Blue Cash PreferredĀ® Card from American Express

  • Cashback: 6% at U.S. supermarkets (up to $6,000/year), 6% on streaming services, 3% on transit
  • Welcome Bonus: $250 back after spending $3,000 in 6 months
  • Annual Fee: $95
  • Apply at Amex

4. CitiĀ® Double Cash Card

  • Cashback: 2% totalā€”1% when you buy, 1% when you pay
  • Annual Fee: $0
  • Balance Transfer Offer: 0% APR for 18 months
  • See Offers

5. Discover itĀ® Cash Back

  • Cashback: 5% rotating categories (like groceries, gas, Amazon), 1% on all other purchases
  • Welcome Bonus: Discover matches all the cashback earned in the first year
  • Annual Fee: $0
  • Get Discover itĀ®

šŸ’³ What to Look for in a Cashback/Rewards Card

  • High cashback rate on your frequent spending categories
  • No or low annual fee
  • Sign-up bonuses or introductory offers
  • Flexible redemption options (cash, travel, gift cards, etc.)
  • Introductory APR offers for new purchases or balance transfers

šŸ§  Pro Tips to Maximize Your Rewards

  • Use the right card for the right category (e.g., gas, groceries)
  • Always pay off your balance in full to avoid interest
  • Combine cards for multi-category savings
  • Keep an eye out for rotating categories and activate them on time

šŸ“Œ Final Words

Whether you’re a student, a traveler, or a daily spender, there’s a cashback or rewards credit card out there tailored for your lifestyle. Choose one based on your spending pattern, and you could earn hundreds of dollars in rewards annually.

Disclaimer: Always review each credit cardā€™s terms and eligibility criteria before applying.

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