The best cashback credit card in 2025 depends on your spending habits and preferences, but some of the top-rated and most popular options are:
- Wells Fargo Active Cash® Card: Best for flat-rate cashback
- Chase Freedom Unlimited®: Best for all-around cashback with 1.5% to 5% rewards
- Discover it® Cash Back: Best for quarterly rotating categories plus a cash back match bonus for the first year
- Capital One Savor Cash Rewards Credit Card: Best for going out and staying in, with rewards up to 8%
- Citi Double Cash® Card: Best for simplicity with a consistent 2% cash back (1% when you buy plus 1% when you pay)
- Blue Cash Preferred® Card from American Express: Best for families and households with high rewards on groceries and streaming
- Chase Freedom Flex®: Best for quarterly rotating categories and a cash bonus
- Capital One Quicksilver Cash Rewards Credit Card: Best for simplicity and a 0% APR offer
- Bank of America® Customized Cash Rewards Credit Card: Best for adjustable 3% categories
- PayPal Cashback Mastercard®: Best for regular PayPal users
- Prime Visa: Best for Amazon Prime shoppers
- Apple Card: Best for Apple Pay users
Key features to consider include annual fees (some cards have none), rewards rates (ranging from flat rates of 1-2% up to 5%-6% on specific categories), welcome bonuses, and category-specific cash back like groceries, gas, dining, or Amazon purchases. For example, the Citi Double Cash Card offers a straightforward 2% flat cash back without an annual fee, making it a popular and simple choice. Meanwhile, cards like Chase Freedom Flex and Discover it Cash Back offer higher cash back rates in rotating quarterly categories but may require activation. If you want the highest consistent cashback rate, cards like the American Express Platinum Cashback cards offer high initial rates (up to 5%) during promo periods but lower rates afterward. For specific spending categories, cards such as the Capital One Savor offer up to 8% back on entertainment and dining, while the Blue Cash Preferred Card from American Express is great for groceries and streaming. Choosing the best card depends on your spending patterns and whether you prefer flat-rate rewards or rotating/bonus categories. If you want, I can help narrow down the best cashback credit card based on your typical spending behavior. Would you like me to do that? This information is based on updated reviews and ratings from August 2025 sources from NerdWallet, Bankrate, U.S. News, Which.co.uk, Monefy, and Reddit discussions.
