Best Cash Back Credit Cards

A no-annual-fee business card that pays 5% on the categories most small offices already spend on, capped at $25,000 a year. The points are worth more if you also hold a Preferred or Sapphire card.

The best no-fee sidekick in the Chase system. Standalone it is a fine 1.5% card. Paired with a Sapphire it becomes a transfer-partner earning machine.

The simplest good card in the market. 2% on everything with no fee. The 3% foreign transaction fee makes it a poor pick abroad.

The best no-fee card for households that eat out and stream a lot. The grocery bonus is a meaningful upgrade over flat 2% cards.

The simplest Chase business card: 1.5% on everything, no annual fee and no categories to manage. It suits businesses whose spending does not line up with the Ink Cash bonus categories.

The grocery card to beat for families that hit the $6,000 cap. At $360 in supermarket cash back alone, the math works for almost any household with a full kitchen.

A no-fee cash-back card that punches well above its weight, especially when paired with a Sapphire that turns its cash back into transferable points.

A no-fee card that pays 5% back on Amazon, Whole Foods and Chase Travel as long as you keep an eligible Prime membership. The 5% rate depends on paying for Prime, and everyday spending outside the bonus categories earns only 1%.

The Active Cash alternative for households that already hold a Citi Premier. Pairing the Double Cash with a Premier turns your 2% into transferable ThankYou Points.

One of the few no-annual-fee cards that pays 5% on categories most issuers ignore, such as home utilities and cell phone bills. It only works if you remember to re-select your categories every quarter, because unselected spending drops to 1%.

A fine starter card. The 1.5% rate trails the 2% flat cards, but no foreign transaction fee makes it the better no-fee pick for travel abroad.

A flat 2% on the first $50,000 of yearly spend with no annual fee, plus 12 months at 0% on purchases. The 2.7% foreign transaction fee makes it a poor fit for businesses that buy abroad.

The best no-fee category card for BofA banking customers. Preferred Rewards turns 3% into 5.25% on the category you spend the most on.

Every purchase earns 2% and the rewards sweep straight into a brokerage, IRA, HSA or 529 account, with no annual fee and no foreign transaction fee. There is no welcome bonus, so its value comes entirely from long-term use.

Flat 1.5% back with no annual fee, rising to as much as 2.62% for Preferred Rewards for Business members. The 3% international transaction fee makes it a poor fit for businesses that buy abroad.

The top-tier Chase Disney card, at $149 a year, pays 10% back on Disney, Hulu and ESPN subscriptions and adds a $10 monthly streaming credit plus two anniversary bonuses worth $300 if you hit the spend thresholds. Rewards can only be spent at Disney or against airfare, so the fee is hard to justify without regular Disney spending.

The card pays 4% on DoorDash and Caviar and covers a year of DashPass, so it works for people who already order delivery regularly. Outside food and groceries it earns 1%, and the DashPass benefit auto-renews at a charge unless you cancel or spend $10,000 a year.

Instacart spending earns 5%, but only on the first $6,000 a year, with another 5% on Chase Travel bookings. Chase lists no travel or purchase protections on this card, so it is narrower than most Chase cash back products.

Spark Cash Plus works like a business version of a flat-rate charge card: 2% back on everything with no cap, and the $150 fee comes back if you spend $150,000 a year. The $2,000 bonus needs $30,000 in spend, so this targets businesses with real volume, not a starter card.

The 2% category is narrow and capped at $1,000 a quarter, but doubling your entire first year of cash back with no minimum spend is real value on a card that charges no annual fee.

The $49 fee buys real Disney perks, not flexible rewards. The up-to-$300 in bonus value covers years of the fee up front, but 1% back on everyday spending outside the bonus categories means this only pays off if you visit Disney parks or stream Disney+ regularly.

Signify Business Cash pairs flat 2% back on every purchase with a $0 annual fee, a rare combination for a business card. The $500 bonus and Priority Pass Select access make it a strong pick if you want simplicity over bonus categories.

A flat 1.5% on everything is easy to use and the $250 bonus is solid for a no-fee card, but the 3% foreign transaction fee makes it a poor choice to carry when you travel abroad.

Three percent back on groceries, gas, and online shopping covers most household budgets, and the $0 fee means there's no math to do before you sign up. The $6,000 annual cap on each category is the only real limit.

5% cash back on up to $1,500 a quarter in rotating categories beats most flat-rate cards if you remember to activate every three months, and the first-year cash back match makes the effective return even better.

The 5% gas rate is one of the best available anywhere, but you're locked into paying for a Costco membership just to hold the card, and the cash back arrives once a year as a certificate instead of monthly statement credits.

QuicksilverOne trades a welcome bonus for accessibility: flat 1.5% cash back with no categories, aimed at fair-credit borrowers working to qualify for better cards. The $39 fee is the cost of admission, and automatic credit line reviews give you a real path upward.

Picking your own 3% category is genuinely useful for a small business with one dominant expense line, and the $50,000 combined annual cap is generous enough that most small businesses won't hit it.

Built for students with no credit history, this card matches your entire first year of cash back and charges no annual fee, though the 2% category is capped at just $1,000 a quarter.

A no-annual-fee card that returns 1% in Disney Rewards Dollars, which can only be spent at Disney. The park discounts and vacation financing are the real draw. The earn rate is below what a general 2% cash back card pays.

The best student card in year one because of Cashback Match, and Discover now layers on a $100 statement credit after $300 in spending during the first 3 months.

Applications are paused as of June 2026 while Capital One integrates Discover onto its own platform, so you cannot apply for this card right now. Existing cardholders still get real cash-back categories instead of the zero rewards most secured cards offer, though the once-guaranteed 7-month graduation review is now on an unscheduled periodic basis.