Best cash-back credit cards
Simple cash, no points to figure out. The strongest cash-back cards we track, ranked by their effective return — flat-rate and category cards alike.
Last updated
- 1Capital OneCapital One SavorApply
up to 8% back · no annual fee
- 2American ExpressAmex Blue Cash PreferredApply
up to 6% back
- 3U.S. BankU.S. Bank ShopperApply
up to 6% back
- 4ChaseAmazon Prime VisaApply
up to 5% back · no annual fee
- 5CitiCiti Custom CashApply
up to 5% back · no annual fee
- 6DiscoverDiscover it Cash BackApply
up to 5% back · no annual fee
- 7ChaseDisney Premier VisaApply
up to 5% back
- 8ChaseFreedom FlexApply
up to 5% back · no annual fee
- 9ChaseFreedom UnlimitedApply
up to 5% back · no annual fee
- 10ChaseInk Business CashApply
up to 5% back · no annual fee
- 11ChaseInk Business PremierApply
up to 5% back
- 12Capital OneQuicksilverApply
up to 5% back · no annual fee
Ranked by the value each card returns, vendor-neutral — no issuer pays for placement. All categories & roundups
How these numbers are calculated, and where every fact comes from: How we know this.
Frequently asked
What is the best cash-back credit cards?
Capital One Savor leads our ranking (up to 8% back · no annual fee). Your own spend and which perks you'll use can change the best pick for you.
How does HopPerks rank these cards?
By the value they actually return on typical use — rewards plus credits, with a source on every fact. We never take issuer money for placement.