Focused card guide

Best cash-back credit cards

Compare cash-back cards in Cardwell’s focused personal catalog, from simple flat rewards to category bonuses.

Citi Double Cash credit card
Citi · personal

Double Cash

2%–5% rewards$0 annual fee

Unlimited 2% cash back: 1% when buying and another 1% when paying; 5% on eligible Citi Travel bookings.

Why it made this list: Straightforward 2% earning with no category enrollment or annual fee.

Review on Citi
Chase Freedom Unlimited credit card
Chase · personal

Freedom Unlimited

1.5%–5% rewards$0 annual fee

1.5% on everyday purchases, 3% on dining and drugstores, and 5% through Chase Travel.

Why it made this list: Low-maintenance cash back with elevated dining and drugstore rewards.

Capital One Savor credit card
Capital One · personal

Savor

1%–5% rewards$0 annual fee

3% on dining, entertainment, eligible streaming, and grocery stores; 5% on eligible Capital One Travel hotels, vacation rentals, and rental cars.

Why it made this list: A no-fee fit for food, entertainment and streaming-heavy budgets.

American Express Blue Cash Everyday credit card
American Express · personal

Blue Cash Everyday

1%–3% rewards$0 annual fee

3% at U.S. supermarkets, U.S. gas stations, and U.S. online retail, each up to $6,000 yearly, then 1%.

Why it made this list: Useful household bonus categories without an annual fee.

Chase Freedom Flex credit card
Chase · personal

Freedom Flex

1%–5% rewards$0 annual fee

5% in activated quarterly categories on up to $1,500, 3% on dining and drugstores, and 5% through Chase Travel.

Why it made this list: High cash-back upside for users willing to activate rotating categories.