The best credit cards for cash back and rewards in the U.S. help you save money, earn points, and maximize every purchase you make. Whether you want flat-rate cash back, bonus categories, or travel rewards, the right card can turn your daily spending into free money, gift cards, or discounted travel.
In this guide, we’ll break down the top U.S. credit cards for cash back and rewards in 2025, explain their benefits, and help you choose the one that fits your lifestyle.
1. Chase Freedom Unlimited®
The Chase Freedom Unlimited® card is one of the most popular rewards cards in the U.S.
- Cash Back Rates:
- 5% on travel purchased through Chase Ultimate Rewards
- 3% on dining and drugstores
- 1.5% on everything else
- Sign-Up Bonus: Earn a $200 bonus after spending $500 in the first 3 months.
- Annual Fee: $0
- Best For: Everyday spending and travel flexibility.
This card also lets you combine points with premium Chase cards (like Chase Sapphire Preferred®) for even more value when redeeming for travel.
2. Citi® Double Cash Card
The Citi® Double Cash is the simplest card for people who want straightforward cash back without tracking categories.
- Cash Back Rates:
- 2% on every purchase (1% when you buy, 1% when you pay).
- Annual Fee: $0
- Best For: People who prefer simplicity over rotating categories.
This card is also great for building long-term rewards, since there’s no expiration as long as the account remains open.