Choosing the right credit card in 2025 can feel overwhelming, especially with so many new offers, rewards, and fine print. Whether you’re a frequent traveler, a big spender, or just want to get a little more back on your everyday purchases, the right cashback or rewards card can make a noticeable difference in your finances.
Here’s a carefully curated list of the top 10 best credit cards for cashback and rewards in 2025 — based on benefits, user experience, and real-world value.
- Chase Freedom Unlimited®
Best For: Flat-rate cashback
Highlights: Earn 1.5% cashback on every purchase, with no annual fee. Get a $200 bonus after spending $500 in the first 3 months.
Why It’s Great: Simple, consistent rewards with strong travel and purchase protections.
- American Express Blue Cash Preferred®
Best For: Grocery and streaming services
Highlights: 6% cashback at U.S. supermarkets (up to $6,000/year), 6% on select streaming, 3% on gas and transit.
Annual Fee: $95 (worth it if you use the perks).
Why It’s Great: High cashback rates on everyday categories.
- Citi Custom Cashâ„ Card
Best For: Auto-adjusting rewards
Highlights: 5% cashback on your top eligible spending category each billing cycle (up to $500/month).
Why It’s Great: Great for people whose spending varies month to month.
- Discover it® Cash Back
Best For: Rotating category cashback
Highlights: 5% cashback in rotating categories (activation required), 1% on other purchases. Plus, Discover matches all cashback earned in your first year.
Why It’s Great: Potential for high rewards and unmatched first-year value.
- Capital One SavorOne®
Best For: Dining and entertainment
Highlights: 3% cashback on dining, entertainment, popular streaming, and grocery stores. No annual fee.
Why It’s Great: Ideal for social spenders and foodies.
- Wells Fargo Active Cash® Card
Best For: Simple cashback
Highlights: 2% unlimited cashback on all purchases. No annual fee.
Why It’s Great: No fuss, no categories—just straight cashback.
- Bank of America® Customized Cash Rewards
Best For: Customizable categories
Highlights: Choose your own 3% cashback category, plus 2% at grocery stores and wholesale clubs.
Why It’s Great: Flexible for users who want control over their rewards.
- Chase Sapphire Preferred®
Best For: Travel and points redemption
Highlights: 2x points on travel and dining, 5x on travel booked through Chase.
Why It’s Great: Great travel protections and flexible points.
- Amex Gold Card
Best For: Food lovers and travelers
Highlights: 4x points at restaurants and supermarkets, 3x on flights.
Why It’s Great: Premium rewards for everyday spending, with luxury-level perks.
- Amazon Prime Rewards Visa Signature Card
Best For: Amazon and Whole Foods shoppers
Highlights: 5% cashback at Amazon and Whole Foods with a Prime membership.
Why It’s Great: Top-tier for frequent Amazon users.
Final Thoughts
The best credit card for you depends on your lifestyle, spending habits, and financial goals. In 2025, credit card companies are offering better rewards than ever before—so it’s a great time to find one that puts money back in your pocket. Always read the fine print, watch for annual fees, and pay your balance in full to truly benefit from these rewards.