Best Cash Back Credit Cards for Everyday Spending 2026
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| # | Title | Annual Fee | Cash Back Details | Intro Offer | Purchase APR (Variable) | Actions |
|---|---|---|---|---|---|---|
| 1 | Chase Freedom Unlimited® | 0 | 5% on travel purchased through Chase Ultimate Rewards; 3% on dining (including takeout and eligible delivery services) and drugstores; 1.5% on all other purchases. | $200 bonus after spending $500 on purchases in the first 3 months. | 18.24%-29.99% (after 0% intro APR for 15 months on purchases and balance transfers) | |
| 2 | Chase Freedom Flex® | 0 | 5% on up to $1,500 in combined purchases in bonus categories each quarter (activation required); 5% on travel purchased through Chase Travel; 3% on dining and drugstores; 1% on all other purchases. | $200 bonus after spending $500 on purchases in the first 3 months. | 18.24%-27.74% (after 0% intro APR for 15 months on purchases and balance transfers) | |
| 3 | Citi Double Cash® Card | 0 | 2% on every purchase (1% when you buy, plus an additional 1% as you pay); 5% total cash back on hotel, car rentals, and attractions booked with Citi Travel. | $200 cash back (fulfilled as 20,000 ThankYou® Points) after spending $1,500 on purchases in the first 6 months. | 17.49%-27.49% (no 0% intro APR on purchases) | |
| 4 | Wells Fargo Active Cash® Card | 0 | Unlimited 2% cash rewards on purchases. | $200 cash rewards bonus after spending $500 on purchases in the first 3 months. | 18.49%, 24.49%, or 28.49% (after 0% intro APR for 12 months on purchases and qualifying balance transfers) | |
| 5 | Blue Cash Preferred® Card from American Express | 95 | 6% cash back at U.S. supermarkets (on up to $6,000 per year, then 1%); 6% on select U.S. streaming subscriptions; 3% at U.S. gas stations and on transit; 1% on other purchases. | As high as $300 cash back after spending $3,000 in purchases in the first 6 months. | 19.49%-28.49% (after 0% intro APR on purchases and balance transfers for 12 months) | |
| 6 | Blue Cash Everyday® Card from American Express | 0 | 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (on up to $6,000 per year in each category, then 1%); 1% on other purchases. | As high as $200 cash back after spending $2,000 in purchases in the first 6 months. | 19.49%-28.49% (after 0% intro APR on purchases and balance transfers for 15 months) | |
| 7 | Capital One SavorOne Cash Rewards Credit Card | 0 | Unlimited 3% cash back at grocery stores (excluding superstores), on dining, entertainment, and popular streaming services; 5% on hotels, vacation rentals, and rental cars booked through Capital One Travel; 1% on all other purchases. | $200 cash bonus after spending $500 within 3 months of account opening. | 18.49%-28.49% (after 0% intro APR for 15 months on purchases and balance transfers) | |
| 8 | Discover it® Cash Back | 0 | 5% cash back on everyday purchases at different places each quarter (activation required, up to $1,500 quarterly maximum); 1% on all other purchases. | Unlimited dollar-for-dollar match of all cash back earned at the end of the first year. | 17.49%-26.49% (after 0% intro APR for 15 months on purchases and balance transfers) | |
| 9 | Bank of America® Customized Cash Rewards credit card | 0 | 3% cash back in a category of your choice; 2% at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%); 1% on all other purchases. | $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days. | 17.49%-27.49% (after 0% intro APR for 15 billing cycles for purchases and balance transfers made within 60 days) | |
| 10 | PNC Cash Rewards® Visa Signature® Card | 0 | Up to 4% cash rewards on specific categories (e.g., gym memberships, salons, public transit, EV charging); 1% cash rewards on other purchases. | $250 online cash rewards bonus after spending $1,000 on purchases in the first 3 months. | 18.49%-28.49% (no standard 0% intro APR on purchases) | |
| 11 | U.S. Bank Cash+® Visa Signature® Card | 0 | Choose 2 categories for 5% cash back (on first $2,000 in combined eligible net purchases each quarter); Choose 1 everyday category for 2% cash back; 1% on all other eligible net purchases. | $200 bonus after spending $1,000 in purchases within the first 120 days. | 19.99%-29.99% (after 0% intro APR on purchases for 15 billing cycles) | |
| 12 | Capital One Quicksilver Cash Rewards Credit Card | 0 | Unlimited 1.5% cash back on every purchase. | $200 cash bonus after spending $500 within 3 months of account opening. | 19.24%-29.24% (after 0% intro APR for 15 months on purchases and balance transfers) | |
| 13 | Citi Custom Cash℠ Card | 0 | 5% cash back on purchases in your top eligible spending category each billing cycle (up to the first $500 spent, then 1%); 1% on all other purchases. | $200 cash back (fulfilled as 20,000 ThankYou® Points) after spending $1,500 on purchases in the first 6 months. | 19.24%-29.24% (after 0% intro APR on purchases for 15 months) |
1
Chase Freedom Unlimited®
Annual Fee0
Cash Back Details5% on travel purchased through Chase Ultimate Rewards; 3% on dining (including takeout and eligible delivery services) and drugstores; 1.5% on all other purchases.
Intro Offer$200 bonus after spending $500 on purchases in the first 3 months.
Purchase APR (Variable)18.24%-29.99% (after 0% intro APR for 15 months on purchases and balance transfers)
2
Chase Freedom Flex®
Annual Fee0
Cash Back Details5% on up to $1,500 in combined purchases in bonus categories each quarter (activation required); 5% on travel purchased through Chase Travel; 3% on dining and drugstores; 1% on all other purchases.
Intro Offer$200 bonus after spending $500 on purchases in the first 3 months.
Purchase APR (Variable)18.24%-27.74% (after 0% intro APR for 15 months on purchases and balance transfers)
Annual Fee0
Cash Back Details2% on every purchase (1% when you buy, plus an additional 1% as you pay); 5% total cash back on hotel, car rentals, and attractions booked with Citi Travel.
Intro Offer$200 cash back (fulfilled as 20,000 ThankYou® Points) after spending $1,500 on purchases in the first 6 months.
Purchase APR (Variable)17.49%-27.49% (no 0% intro APR on purchases)
Annual Fee0
Cash Back DetailsUnlimited 2% cash rewards on purchases.
Intro Offer$200 cash rewards bonus after spending $500 on purchases in the first 3 months.
Purchase APR (Variable)18.49%, 24.49%, or 28.49% (after 0% intro APR for 12 months on purchases and qualifying balance transfers)
Annual Fee95
Cash Back Details6% cash back at U.S. supermarkets (on up to $6,000 per year, then 1%); 6% on select U.S. streaming subscriptions; 3% at U.S. gas stations and on transit; 1% on other purchases.
Intro OfferAs high as $300 cash back after spending $3,000 in purchases in the first 6 months.
Purchase APR (Variable)19.49%-28.49% (after 0% intro APR on purchases and balance transfers for 12 months)
Annual Fee0
Cash Back Details3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (on up to $6,000 per year in each category, then 1%); 1% on other purchases.
Intro OfferAs high as $200 cash back after spending $2,000 in purchases in the first 6 months.
Purchase APR (Variable)19.49%-28.49% (after 0% intro APR on purchases and balance transfers for 15 months)
Annual Fee0
Cash Back DetailsUnlimited 3% cash back at grocery stores (excluding superstores), on dining, entertainment, and popular streaming services; 5% on hotels, vacation rentals, and rental cars booked through Capital One Travel; 1% on all other purchases.
Intro Offer$200 cash bonus after spending $500 within 3 months of account opening.
Purchase APR (Variable)18.49%-28.49% (after 0% intro APR for 15 months on purchases and balance transfers)
Annual Fee0
Cash Back Details5% cash back on everyday purchases at different places each quarter (activation required, up to $1,500 quarterly maximum); 1% on all other purchases.
Intro OfferUnlimited dollar-for-dollar match of all cash back earned at the end of the first year.
Purchase APR (Variable)17.49%-26.49% (after 0% intro APR for 15 months on purchases and balance transfers)
Annual Fee0
Cash Back Details3% cash back in a category of your choice; 2% at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%); 1% on all other purchases.
Intro Offer$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days.
Purchase APR (Variable)17.49%-27.49% (after 0% intro APR for 15 billing cycles for purchases and balance transfers made within 60 days)
Annual Fee0
Cash Back DetailsUp to 4% cash rewards on specific categories (e.g., gym memberships, salons, public transit, EV charging); 1% cash rewards on other purchases.
Intro Offer$250 online cash rewards bonus after spending $1,000 on purchases in the first 3 months.
Purchase APR (Variable)18.49%-28.49% (no standard 0% intro APR on purchases)
Annual Fee0
Cash Back DetailsChoose 2 categories for 5% cash back (on first $2,000 in combined eligible net purchases each quarter); Choose 1 everyday category for 2% cash back; 1% on all other eligible net purchases.
Intro Offer$200 bonus after spending $1,000 in purchases within the first 120 days.
Purchase APR (Variable)19.99%-29.99% (after 0% intro APR on purchases for 15 billing cycles)
Annual Fee0
Cash Back DetailsUnlimited 1.5% cash back on every purchase.
Intro Offer$200 cash bonus after spending $500 within 3 months of account opening.
Purchase APR (Variable)19.24%-29.24% (after 0% intro APR for 15 months on purchases and balance transfers)
Annual Fee0
Cash Back Details5% cash back on purchases in your top eligible spending category each billing cycle (up to the first $500 spent, then 1%); 1% on all other purchases.
Intro Offer$200 cash back (fulfilled as 20,000 ThankYou® Points) after spending $1,500 on purchases in the first 6 months.
Purchase APR (Variable)19.24%-29.24% (after 0% intro APR on purchases for 15 months)
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