BEST OF

14 Best Cash Back Credit Cards of October 2025

We may earn a commission from partner links, but our reviews and ratings remain unbiased.

The best cash back credit card is one you will use regularly. Some cards pay a single rate on every purchase, with no work required on your part. Others pay higher rewards in specific categories (up to 6% in some cases) and a lower rate elsewhere. Choose one card for everything, or carry several to maximize your cash back.

Best Cash Back Credit Cards

Credit card

NerdWallet rating

Annual fee

Rewards rate

Intro offer

Learn more

freedom-unlimited Chase Freedom Unlimited®
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

america-express Blue Cash Preferred® Card from American Express
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

discover Chase Freedom Unlimited®
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

quicksilver Blue Cash Preferred® Card from American Express
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

double-cash Blue Cash Preferred® Card from American Express
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

savor Chase Freedom Unlimited®
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

active-cash Blue Cash Preferred® Card from American Express
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

american-express Blue Cash Preferred® Card from American Express
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

freedom-flex Chase Freedom Unlimited®
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

blue-cash Blue Cash Preferred® Card from American Express
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

prime-card Blue Cash Preferred® Card from American Express
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

freedom-flex-card Chase Freedom Unlimited®
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

synchrony Blue Cash Preferred® Card from American Express
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

bank-of-america Chase Freedom Unlimited®
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

pp Blue Cash Preferred® Card from American Express
stars 5.0
Best for All-around cash back

$0

1.5%-5%

Cashback

info-icon

$200

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

right-credit-card

Find the right credit card for you.

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Our pick for: All-around cash back

freedom-unlimited

Chase Freedom Unlimited®

stars

5.0

The Financial Review Rating

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

Annual fee $0

Rewards rate

1.5%-5%

Cashback

info-icon

Intro offer $200

info-icon

Recommended credit score 690-850(Good - Excellent) info-icon

Get your free credit score

Purchase intro APR 0% intro APR on purchases for 15 months

Balance transfer intro APR 0% intro APR on balance transfers for 15 months

Regular APR 18.74%-28.24% Variable APR

Rewards breakdown

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Card details

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The Financial Review’s take

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Our pick for: All-around cash back

american-express-card

Chase Freedom Unlimited®

stars

5.0

The Financial Review Rating

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

Annual fee $0

Rewards rate

1.5%-5%

Cashback

info-icon

Intro offer $200

info-icon

Recommended credit score 690-850(Good - Excellent) info-icon

Get your free credit score

Purchase intro APR 0% intro APR on purchases for 15 months

Balance transfer intro APR 0% intro APR on balance transfers for 15 months

Regular APR 18.74%-28.24% Variable APR

Rewards breakdown

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Card details

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

The Financial Review’s take

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Our pick for: All-around cash back

discover

Chase Freedom Unlimited®

stars

5.0

The Financial Review Rating

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

Annual fee $0

Rewards rate

1.5%-5%

Cashback

info-icon

Intro offer $200

info-icon

Recommended credit score 690-850(Good - Excellent) info-icon

Get your free credit score

Purchase intro APR 0% intro APR on purchases for 15 months

Balance transfer intro APR 0% intro APR on balance transfers for 15 months

Regular APR 18.74%-28.24% Variable APR

Rewards breakdown

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Card details

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

The Financial Review’s take

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Our pick for: All-around cash back

freedom-unlimited

Chase Freedom Unlimited®

stars

5.0

The Financial Review Rating

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

Annual fee $0

Rewards rate

1.5%-5%

Cashback

info-icon

Intro offer $200

info-icon

Recommended credit score 690-850(Good - Excellent) info-icon

Get your free credit score

Purchase intro APR 0% intro APR on purchases for 15 months

Balance transfer intro APR 0% intro APR on balance transfers for 15 months

Regular APR 18.74%-28.24% Variable APR

Rewards breakdown

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Card details

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

The Financial Review’s take

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Our pick for: All-around cash back

freedom-unlimited-card

Chase Freedom Unlimited®

stars

5.0

The Financial Review Rating

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

Annual fee $0

Rewards rate

1.5%-5%

Cashback

info-icon

Intro offer $200

info-icon

Recommended credit score 690-850(Good - Excellent) info-icon

Get your free credit score

Purchase intro APR 0% intro APR on purchases for 15 months

Balance transfer intro APR 0% intro APR on balance transfers for 15 months

Regular APR 18.74%-28.24% Variable APR

Rewards breakdown

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Card details

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

The Financial Review’s take

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Our pick for: All-around cash back

double-cash

Chase Freedom Unlimited®

stars

5.0

The Financial Review Rating

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

Annual fee $0

Rewards rate

1.5%-5%

Cashback

info-icon

Intro offer $200

info-icon

Recommended credit score 690-850(Good - Excellent) info-icon

Get your free credit score

Purchase intro APR 0% intro APR on purchases for 15 months

Balance transfer intro APR 0% intro APR on balance transfers for 15 months

Regular APR 18.74%-28.24% Variable APR

Rewards breakdown

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Card details

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

The Financial Review’s take

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Our pick for: All-around cash back

citi-diamond

Chase Freedom Unlimited®

stars

5.0

The Financial Review Rating

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

Annual fee $0

Rewards rate

1.5%-5%

Cashback

info-icon

Intro offer $200

info-icon

Recommended credit score 690-850(Good - Excellent) info-icon

Get your free credit score

Purchase intro APR 0% intro APR on purchases for 15 months

Balance transfer intro APR 0% intro APR on balance transfers for 15 months

Regular APR 18.74%-28.24% Variable APR

Rewards breakdown

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Card details

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

The Financial Review’s take

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Our pick for: All-around cash back

discover-card

Chase Freedom Unlimited®

stars

5.0

The Financial Review Rating

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

Annual fee $0

Rewards rate

1.5%-5%

Cashback

info-icon

Intro offer $200

info-icon

Recommended credit score 690-850(Good - Excellent) info-icon

Get your free credit score

Purchase intro APR 0% intro APR on purchases for 15 months

Balance transfer intro APR 0% intro APR on balance transfers for 15 months

Regular APR 18.74%-28.24% Variable APR

Rewards breakdown

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Card details

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

The Financial Review’s take

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Our pick for: All-around cash back

freedom-flex-card

Chase Freedom Unlimited®

stars

5.0

The Financial Review Rating

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

Annual fee $0

Rewards rate

1.5%-5%

Cashback

info-icon

Intro offer $200

info-icon

Recommended credit score 690-850(Good - Excellent) info-icon

Get your free credit score

Purchase intro APR 0% intro APR on purchases for 15 months

Balance transfer intro APR 0% intro APR on balance transfers for 15 months

Regular APR 18.74%-28.24% Variable APR

Rewards breakdown

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Card details

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

The Financial Review’s take

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Our pick for: All-around cash back

platinum-card

Chase Freedom Unlimited®

stars

5.0

The Financial Review Rating

info-icon

APPLY NOW

on Chase’s website
Rates & Fees

Annual fee $0

Rewards rate

1.5%-5%

Cashback

info-icon

Intro offer $200

info-icon

Recommended credit score 690-850(Good - Excellent) info-icon

Get your free credit score

Purchase intro APR 0% intro APR on purchases for 15 months

Balance transfer intro APR 0% intro APR on balance transfers for 15 months

Regular APR 18.74%-28.24% Variable APR

Rewards breakdown

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Card details

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

The Financial Review’s take

Lorem ipsum dolor sit amet consectetur adipisicing elit. Odit doloribus dolorum laudantium illo dolores placeat ipsam repellat voluptates possimus nisi vitae ex praesentium, sapiente cupiditate natus ratione, aliquid iusto assumenda?

Balance Transfer Savings Calculator

Transferring debt to a credit card with a 0% introductory annual percentage rate, or APR, could save you hundreds of dollars in interest while you pay down your debt.

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What is Lorem Ipsum?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

What is Lorem Ipsum?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

  • Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took
  • Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took
  • Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took
  • Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.


What is Lorem Ipsum?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Ask our credit card experts

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Lorem Ipsum

Lorem Ipsum is simply dummy text of the printing

Lorem Ipsum is simply dummy text

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

image

Lorem Ipsum

Lorem Ipsum is simply dummy text of the printing

Lorem Ipsum is simply dummy text

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

image

Lorem Ipsum

Lorem Ipsum is simply dummy text of the printing

Lorem Ipsum is simply dummy text

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Frequently asked questions

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Lorem Ipsum is simply dummy text

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. 

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. 

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Lorem Ipsum is simply dummy text

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Methodology

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

 

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

About the author

image

Maureen Bradley

Director of Content

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500

image

Maureen Bradley

Director of Content

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500

image

Maureen Bradley

Director of Content

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500

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