Best Cash-Back Credit Cards of 2026

Cash-back cards ranked by current welcome offer value, from flat-rate to rotating-category earners.

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#1

Blue Cash Everyday® Card from American Express

Welcome offer: Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.

Rewards: Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout. Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.

No annual fee
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#2

Blue Cash Preferred® Card from American Express

Welcome offer: Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.

Rewards: Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout. Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do. Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.

No annual fee
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#3

Chase Freedom Rise®

Welcome offer: Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.

Rewards: Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening. Earn Cash Back - With Chase Freedom Rise®, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

No annual fee
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#4

Chase Freedom Unlimited®

Welcome offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Rewards: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!

No annual fee
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#5

Citi Double Cash® Card

Welcome offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Rewards: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.

No annual fee
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#6

Costco Anywhere Visa® Business Card by Citi

Welcome offer: Discover the only business credit card designed exclusively for Costco members

Rewards: Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com

No annual fee
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#7

Costco Anywhere Visa® Card by Citi

Welcome offer: Discover one of Citi's best cash back rewards cards designed exclusively for Costco members

Rewards: Discover one of Citi's best cash back rewards cards designed exclusively for Costco members Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.

No annual fee
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#8

Destiny® Mastercard® - Up to 3% Cashback Rewards

Welcome offer: A rewards card for people with less-than-perfect credit!

Rewards: Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases! With Cashback Rewards, you get to live like an A-lister.

$175 annual fee
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#9

First Latitude Assent Secured Mastercard®

Welcome offer: Now offering Up To 10% Cash Back at select merchants with First Latitude!^^

Rewards: Now offering Up To 10% Cash Back at select merchants with First Latitude!^^ ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.

No annual fee
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#10

First Latitude Elite Secured Mastercard®

Welcome offer: Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^

Rewards: Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^

$29 annual fee
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Offer figures come from issuer feed data refreshed every few hours. Terms apply — verify the current offer on the issuer's site before applying.