The 7 Best Cashback Credit Cards to Get in 2025

Introduction to Cashback Credit Cards

Cashback credit cards have emerged as a popular financial tool for consumers seeking to maximize their everyday spending. These cards operate on a simple principle: for every purchase made, a percentage of the amount spent is returned to the cardholder as cashback. Cashback rates typically range from 1% to 5%, although promotional offers can increase this percentage for specific categories, such as groceries, gas, or dining out. This incentive encourages users to use their credit cards for routine purchases, effectively turning spending into savings.

The appeal of cashback credit cards lies in their potential to enhance financial management. By providing a tangible return on everyday expenses, individuals can offset the cost of their purchases or use the accrued cashback for larger expenses, thereby improving their overall budget. When utilized wisely, these cards can assist in establishing good spending habits, as consumers are motivated to pay off their balances in full each month to avoid interest charges. This practice is crucial, as any interest accrued can negate the benefits of the cashback earned.

These credit cards present an opportunity for consumers to tailor their rewards according to personal spending habits. Identifying which card best aligns with one's financial lifestyle is a key aspect of the decision-making process. For example, a frequent traveler might benefit from a card that offers higher cashback on travel-related purchases, while a regular diner may favor options that provide superior rewards for restaurant spending. Evaluating individual spending patterns allows consumers to choose a cashback credit card that maximizes rewards on their regular transactions, ultimately yielding greater financial benefits.

1. Robinhood Gold Card

The Robinhood Gold Card emerges as a notable contender (and my personal favorite) in the landscape of cashback credit cards due to its unique integration with investment services. Aimed at individuals who are not only looking to make purchases but also keen on actively investing, this card offers a seamless blend of both worlds. Its defining features include:

• Unlimited 3% Cashback on ALL Purchases. All cashback rewards can be used for cash, statement credits, gift cards, and more.

• All perks of Robinhood Gold including: 3% Roth IRA match, 3.75% APY on uninvested cash (functions like a high yield savings account, easily accessible like a savings account), and level 2 market data and insights (deeper knowledge on what is going on in the market and more indicators and trading signal accessibility).

• Zero foreign transaction fees.

• *Note: this card requires you to have Robinhood Gold ($60/year) and an active brokerage account with robinhood.*

Clearly with the plethora of perks, this card is designed for users who actively invest, as the benefits extend beyond mere cashback. The integration with users’ existing investment accounts allows for the convenience of managing both everyday purchases and investment opportunities within a single platform. By utilizing this credit card, individuals can maximize their earnings, turning routine spending into robust investment growth. This unique combination of investment support and cashback rewards makes the Robinhood Gold Card a compelling choice for savvy consumers seeking to leverage their financial activities in 2025.

2. Capital One Savor Card

The Capital One Savor Card has carved a niche for itself among cashback credit cards, particularly appealing to foodies, travelers, and entertainment enthusiasts. This card excels in providing generous cashback rewards on dining and entertainment purchases, thus attracting individuals who often dine out or partake in various recreational activities. The perks include:

• Unlimited 3% Cashback at grocery stores, on dining, entertainment, and streaming services.

• Unlimited 5% Cashback on hotels, vacation rentals, and rental cars booked through Capital One Travel.

• Unlimited 1% Cashback on all other purchases.

• $100 towards Capital Travel purchases your first cardholder year.

• No annual fee.

• Zero foreign transaction fees.

In addition to its exceptional cashback rates, the Capital One Savor Card offers a notable sign-up bonus; $200 cash bonus once you spend $500 within the first 3 months of account opening, providing new users with a financial incentive to apply. This initial perk can give you a substantial head start in building your cashback rewards balance.

The rewards program of the Capital One Savor Card further enhances its value, as users can redeem the cashback earned for a variety of options, including statement credits, gift cards, or travel bookings. Overall, this card is tailored for individuals who seek to maximize their spending in dining and entertainment, making it an excellent choice for 2025.

3. Chase Freedom Unlimited

The Chase Freedom Unlimited card is an attractive option for those seeking a straightforward and effective cashback credit card. This card offers:

PROS

• 3% Cashback on Dining & Delivery services.

• 3% Cashback on Drugstore purchases.

• 5% Cashback on any Chase Travel purchase.

• 1.5% Cashback on ALL other purchases.

• No annual fee.

CONS

• *3% foreign transaction fees.

In addition to the regular cashback rates, new cardholders can benefit from an enticing introductory offer; $200 cash bonus once you spend $500 within the first 3 months of account opening . This provides an excellent incentive for those looking to maximize their initial rewards while adjusting to using the card for their regular expenses.

Furthermore, the Chase Freedom Unlimited card seamlessly integrates with the Chase Ultimate Rewards program. This allows cardholders to pool their earnings with other Chase credit cards, providing them with a plethora of redeeming options, including travel bookings, gift cards, or cash back. By maximizing the synergy between different Chase cards, users can significantly increase the value of their rewards. Overall, the Chase Freedom Unlimited stands as a solid choice for consumers aiming to earn reliable cashback with added flexibility and benefits.

4. American Express Blue Cash Preferred

The American Express Blue Cash Preferred card stands out as an exceptional choice for those who prioritize cashback rewards, particularly for expenditures in specific categories. This credit card offers:

PROS

• 6% Cashback at U.S. Supermarkets (on up to $6,000 per year).

• Unlimited 6% Cashback on Select Streaming Subscriptions (Netflix, Hulu, Disney+, Espn+, Max, Peacock, Pandora, Spotify, YouTube TV/Premium, Apple Music/TV, Paramount+, Fubo TV, Sirius XM, Sling, Showtime, and Vudu.

• Unlimited 3% Cashback on transit (taxis, uber/lyft, parking, tolls, trains, buses, etc.

• Unlimited 3% Cashback on gas.

• Unlimited 1% Cashback on all other purchases.

CONS

• 2.7% foreign transaction fee.

• $95/year annual fee after the first year.

While the American Express Blue Cash Preferred card does come with an annual fee, the potential rewards often outweigh this cost, especially for those who can strategically leverage its bonus categories. The card features a competitive welcome offer for new applicants; $300 cash bonus after spending $3,000 in the first 6 months. This bonus can provide immediate value, further justifying the annual fee.

In essence, the American Express Blue Cash Preferred card serves as an attractive option for consumers seeking to earn substantial cashback on their regular spendings. Its strong emphasis on grocery, fuel, and streaming service purchases makes it particularly advantageous for many users, thus warranting consideration in the quest for the best cashback credit cards of 2025.

5. Costco Anywhere Visa Card

The Costco Anywhere Visa Card stands out as an exceptional choice for Costco members who wish to maximize their cashback rewards while making everyday purchases. This card offers a robust cashback structure that caters specifically to frequent Costco shoppers including:

PROS

• 4% Cashback on gas purchases (5% at Costco) and EV charging purchases (up to $7,000 per year).

• 3% Cashback on dining and takeout.

• 3% Cashback on eligible travel purchases.

• 2% Cashback on Costco purchases.

• 1% Cashback on all other purchases.

• Zero foreign transaction fees.

CONS

• Requires a Costco membership ($65 for regular, $130 for executive).

• Cashback granted annually as a billing credit

The top reason to get the Costco Anywhere Visa Card is its ease of use. Cardholders can seamlessly integrate it into their daily spending, ensuring that they earn rewards without altering their regular purchasing patterns. This is especially beneficial for Costco members who regularly shop at their local warehouse, dine out, or travel frequently. Overall, the Costco Anywhere Visa Card represents an excellent option for those seeking a reliable cashback credit card to complement their Costco membership.

6. Sam's Club Mastercard

The Sam's Club Mastercard is a distinctive financial product tailored specifically for members of the wholesale retailer, providing a range of advantages that enhance the shopping experience both in-store and online. One of the key features of this card is its attractive cashback rewards structure, which includes:

PROS

• 5% Cashback on gas and EV charging purchases (up to $6,000 per year).

• 3% Cashback on dining and takeout.

• 3% Cashback on Sam's purchases for plus members, 1% for regular.

• 1% Cashback on all other purchases.

• Cashback accessible and redeemable for cash on a monthly basis.

• Zero foreign transaction fees.

CONS

• Requires a Sam's Club membership ($50 for regular, $110 for plus).

In essence, the Sam's Club Mastercard stands out in the realm of cashback credit cards due to its unique association with Sam's Club membership. The generous cashback opportunities on gas, dining, and everyday purchases reflect its versatility, and appeal to a broad customer base. Overall, this card is a prime choice for individuals committed to maximizing their spending benefits while remaining loyal to the retailer.

7. Wells Fargo Active Cash Credit Card

The Wells Fargo Active Cash Credit Card stands out as a prime option for those seeking a straightforward cashback experience without the complexities often associated with credit card rewards programs. This credit card offers an impressive unlimited 2% cashback on all purchases, making it particularly appealing for consumers who want to maximize rewards without having to track specific spending categories.

New cardholders can also enjoy a generous sign-up bonus; $200 cash bonus once you spend $500 within the first 3 months of account opening. The potential for immediate rewards upon meeting the necessary spending requirement adds an attractive incentive for those considering this credit card. Importantly, the Wells Fargo Active Cash Credit Card does not carry an annual fee, allowing cardholders to reap the benefits of cashback rewards without the burden of yearly costs.

In addition to its financial advantages, the card places a significant emphasis on security features. With robust fraud detection technology and zero liability for unauthorized transactions, cardholders can enjoy peace of mind knowing their financial information is protected. Furthermore, Wells Fargo provides comprehensive customer service support, offering assistance to cardholders who may have questions or require help with their accounts.

This credit card serves as an excellent choice for individuals who prefer a simple and straightforward approach to earning cashback. Its combination of unlimited rewards, sign-up bonuses, and strong security measures positions the Wells Fargo Active Cash Credit Card as a reliable option for those looking to simplify their rewards strategy while still benefiting from competitive cashback rates.

Conclusion:

Overall, there is no shortage of options for solid and dynamic cashback credit card. I recommend find which one aligns best with your lifestyle and daily spending habits to determine which is the best option for you. With practically all of the cards listed above, there really isn't a wrong option. Happy earnings!

*Open a brokerage account here: Sign up for Robinhood with my link and we'll both pick our own gift stock 🎁 https://join.robinhood.com/stephoj34

*Click here to shop our products!