1. Chase Freedom Unlimited
Chase Freedom Unlimited offers up to 5% cashback on selected categories and 1.5% on all other purchases. Ideal for everyday spending and earning Chase Ultimate Rewards points.
2. Citi Double Cash Card
With Citi Double Cash, you earn 2% cashback on all purchases — 1% when you buy and 1% when you pay. Simple and effective for consistent rewards.
3. American Express Blue Cash Preferred
Provides 6% cashback on U.S. supermarkets (up to $6,000 per year) and 3% on gas & transit. Perfect for families who spend heavily on groceries.
4. Discover it Cash Back
Rotating categories quarterly with 5% cashback on groceries, gas, Amazon, and 1% on other purchases.
5. Capital One Quicksilver Cash Rewards
Earn 1.5% unlimited cashback on all purchases with no annual fee.
6. Wells Fargo Active Cash Card
Offers 2% cashback on all purchases plus a $200 welcome bonus. No annual fees.
7. Bank of America Customized Cash Rewards
Earn 3% cashback in a category of your choice and 2% at grocery stores & wholesale clubs. Flexible rewards for different spending patterns.
8. American Express Gold Card
Earn 4X points at restaurants, 4X at supermarkets (up to $25,000/year), and 3X on flights booked directly. Premium rewards card.
9. U.S. Bank Cash+ Visa Signature Card
Earn 5% cashback on two chosen categories (quarterly) and 2% on one category. Remaining purchases earn 1%.
10. Blue Cash Everyday Card from American Express
No annual fee and 3% cashback at U.S. supermarkets, 2% at gas stations, and 1% on other purchases.
Tips to Maximize Your Credit Card Rewards
- Use category-specific cards for maximum cashback.
- Pay your balance in full to avoid interest charges.
- Combine credit card points with shopping portals for extra rewards.
- Track rotating categories for quarterly bonuses.
- Consider annual fees vs rewards earned — choose wisely.
FAQs About Credit Card Rewards
Which credit card gives the highest cashback in the USA?
Cards like Chase Freedom Unlimited and American Express Blue Cash Preferred offer the highest cashback depending on categories.
Can I have multiple cashback credit cards?
Yes, combining cards can help maximize rewards, but manage responsibly to avoid overspending.
Do credit cards with rewards have annual fees?
Some do, but the cashback and rewards can outweigh the fees if used correctly.
Conclusion
Choosing the right credit card with maximum rewards and cashback can significantly increase your earnings from everyday spending. Evaluate your spending patterns, select the right cards, and enjoy the benefits of high rewards in 2025.