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Best Cash Back Credit Cards of August 2026

These are the best products for you based on your credit.

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Last fact checked: Aug. 29, 2026

Best Cash Back Credit Cards

Products from our Partners.

2026 Best of Awards Winner

Chase Freedom Unlimited®

5.0
CompareCredit Score

on Chase's secure site

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
  • 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable
  • $0
  • Excellent/Good
  • Visa®
  • Select to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

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Chase Freedom Flex®

4.5
CompareCredit Score

on Chase's secure site

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
  • 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable.
  • $0
  • Excellent/Good
  • Mastercard
  • Select to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

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Discover it® Cash Back

4.5
CompareCredit Score

on Capital One's secure site

  • Discover will automatically match all the cash back you’ve earned at the end of your first year
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then 17.49% - 26.49% (Variable) APR. Balance transfer fee applies.
  • $0
  • Good, Excellent
  • DiscoverDiscover
  • Select to apply online
  • Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases
  • Redeem cash back for any amount. No annual fee
  • Terms and conditions apply

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Wells Fargo Active Cash® Card

4.5
CompareCredit Score

on Wells Fargo's secure site

  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 12 months from account opening on purchases & qualifying balance transfers, 18.49%, 24.49%, or 28.49% Variable APR thereafter
  • $0
  • Excellent/Good
  • Visa
  • Select to apply online
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

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Blue Cash Preferred® Card from American Express

4.5
CompareCredit Score

on American Express' secure site

Terms Apply

  • You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • 0% on purchases for 12 months and 0% on balance transfers for 12 months. 19.49%-28.49% Variable thereafter.
  • $0 intro annual fee for the first year, then $95
  • Good, Excellent
  • AMEXAMEX
  • Select to apply online
  • Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • $0 intro annual fee for the first year, then $95.
  • Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
  • Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
  • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
  • Terms Apply.

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2026 Best of Awards Winner

Citi Double Cash® Card

5.0
CompareCredit Score

on Citibank's secure site

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) APR thereafter
  • $0
  • Excellent, Good
  • Mastercard
  • Select to apply online
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

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Bank of America® Customized Cash Rewards credit card

5.0
CompareCredit Score

on Bank of America's secure site

  • Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
  • $0
  • Excellent, Good
  • Visa®
  • Select to apply online
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

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Capital One Quicksilver Cash Rewards Credit Card

4.5
CompareCredit Score

on Capital One's secure site

  • Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
  • 1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, 18.49% - 28.49% (Variable) thereafter. Balance transfer fee applies
  • $0
  • Excellent, Good
  • Mastercard®
  • Select to apply online
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
  • Top rated mobile app

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Blue Cash Everyday® Card from American Express

4.5
CompareCredit Score

on American Express' secure site

Terms Apply

  • You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
  • 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • 0% on purchases for 15 months and 0% on balance transfers for 15 months. 19.49%-28.49% Variable APR thereafter.
  • $0
  • Good, Excellent
  • AMEXAMEX
  • Select to apply online
  • Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
  • Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
  • Terms Apply.

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2026 Best of Awards Winner

TD Cash Credit Card

4.5
CompareCredit Score

on TD Bank's secure site

  • Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
  • Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases.
  • 0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.
  • No annual fee
  • Good, Excellent
  • Visa
  • Select to apply online
  • Special Offer: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
  • Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
  • Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other purchases.
  • Visa benefits - Get Visa benefits like emergency card replacement, roadside assistance & cell phone protection when you pay your monthly mobile bill with your card. Terms apply.
  • Instant credit card replacement - If your card is lost or stolen, get an immediate replacement at a TD Bank
  • Visa Zero Liability - Enjoy Visa security on purchases, plus protection against unauthorized charges
  • Contactless Payments / Digital Wallet
  • No annual fee
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.

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Capital One Savor Cash Rewards Credit Card

5.0
CompareCredit Score

on Capital One's secure site

  • Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
  • 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel, 8% Cash Back on Capital One Entertainment purchases, and 1% Cash Back on all other purchases
  • 0% intro on purchases for 12 months and 0% intro on balance transfers for 12 months, 18.49% - 28.49% (Variable) thereafter. Balance transfer fee applies
  • $0
  • Excellent, Good
  • Mastercard®
  • Select to apply online
  • Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
  • Top rated mobile app

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Synchrony Premier World Mastercard®

3.5
CompareCredit Score

on Synchrony's secure site

  • No annual fee^ and $0 fraud liability
  • 2% cash back* on every purchase
  • 17.49% - 33.24% Variable APR as of January 1, 2026 on purchases and balance transfers
  • $0
  • Good Credit
  • Mastercard
  • Select to apply online
  • 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
  • No annual fee^
  • Zero Liability Protection
  • Secure online and mobile app account access
  • Get more out of every day purchases -- earn 2% cash back with the Synchrony Premier World Mastercard®. No complicated math or rewards categories to remember.
  • Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
  • *CASH BACK REWARDS: Subject to credit approval. Valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard®. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made. Cash advances, fees and interest charges do not qualify to earn cash back. Account must be open and in good standing at the time the purchase is made and the statement credit is applied. See Rewards Terms for details.
  • ^NO ANNUAL FEE: New Accounts as of January 1, 2026: Variable Purchase APR 17.49%, 26.49%, or 33.24%. Variable Balance Transfer APR 17.49%, 26.49% or 33.24% and 4% Fee ($10 min). Variable Cash APR 20.49%, 29.49% or 36.24% and 5% Fee ($10 min). Variable Penalty APR 27.49%, 36.49%, or 39.99%. Minimum Interest Charge is $2. Foreign Transaction Fee is 3%.

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TD Double Up Credit Card

4.5
CompareCredit Score

on TD Bank's secure site

  • Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
  • Earn unlimited 2% Cash Back on all eligible purchases – no rotating Spend Categories, no caps or limits as long as your credit card account is open and in good standing.
  • 0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.
  • No annual fee
  • Good, Excellent
  • Visa
  • Select to apply online
  • NEW AND IMPROVED: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
  • Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
  • Earn unlimited 2% Cash Back on all eligible purchases
  • No reward categories, no caps, no worries.
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
  • No annual fee
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and rewards program rules.

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Cash Back Credit Cards

When it comes to credit card rewards, cash back remains the top choice for the most consumers. Cash back credit cards come in all different shapes and sizes. Some offer simple flat rate rewards programs while others allow you to earn bonus cash back in special spending categories. Let’s take a look at some of the key factors to look for when selecting the best cash back credit card for you.

Rewards Rates – Earn Cash Back on Purchases

The number one thing you will want to consider when comparing cash back offers is the rewards structure for new purchases. Some credit cards make things simple and just offer the same cash back rate for all purchases, no matter what you spend money on. There are many cards the offer unlimited 1.5% cash back on all purchases, which is quite a generous return on your spending. Some go as high as 2% back, but be sure to read the fine print to make sure you understand how to ensure you earn the full rewards rate. Flat-rate cash back cards like this are popular because they take the hassle out of earning rewards. There’s no worrying about bonus categories or quarterly caps on your cash back – just swipe and earn! One popular choice for flat-rate cash back is the Citi Double Cash® Card.

If you want to maximize your spending to get the most bang for your buck, then you should consider a cash rewards card that offers bonus cash back in certain spending categories like the Blue Cash Everyday® Card from American Express. These cards come in a wide variety and will offer extra cash back on certain spending. There are cards that offer bonus cash back on dining, groceries, gas, travel, streaming services and more. When considering which card is best for you, it’s important to examine your spending and see which card aligns with your spending habits. For example, if you find that you typically spend a lot on dining out, then using a card that offers bonus cash back on dining can help you rake it the most rewards.

Boost Your Cash Back with a Sign Up Bonus

In addition to the ongoing rewards rate, you will want to pay attention to any sign up bonus or welcome offer that a cash back credit card comes with. These are easy ways to kickstart your rewards earnings. Sign up bonus can range anywhere from $25 to $500 and typically require you spend a certain amount within the first few months in order to earn them. Obviously, the bigger the sign up bonus the better, but you’ll want to make sure you’re able to actually meet the minimum spend requirement in order to earn the bonus.

Things to Keep in Mind

As with any rewards credit card, you should always keep in mind that the best practice is to always pay your balance off in full each month. If you don’t any cash back you earn will be drastically outweighed by the interest charges you pile up for carrying a balance. Also, pay attention to annual fees – most cash back cards come with no annual fees, but depending on your spending habits, it could be worth paying an annual fee to earn extra rewards

All in all, a cash back credit card is a no-brainer for anyone who pays their balance off in full each month. Compare the best cash back cards above on this page and select the best one for you. Apply today and start earning rewards on all of your purchases!