Top Cashback & Rewards Credit Cards in the US (2025)

In today’s fast-paced world, having the right credit card can help you maximize your spending and earn cashback, rewards, or points on your everyday purchases. If you live in the United States, this guide will help you find the best cashback and rewards credit cards for 2025.

1. What Are Cashback & Rewards Credit Cards?

Cashback credit cards give you a percentage of your spending back as cash. For example, if you spend $100 on groceries and your card offers 5% cashback, you’ll get $5 back.

Rewards credit cards give you points, miles, or other perks for every dollar you spend. These points can often be redeemed for travel, shopping, or gift cards.

2. Why Choose Cashback or Rewards Cards?

Save money on everyday purchases

Earn rewards for travel, shopping, or dining

Build credit score when used responsibly

Many cards offer sign-up bonuses worth hundreds of dollars

3. Top Cashback & Rewards Credit Cards in the US (2025)

1. Chase Freedom Unlimited®

Cashback: 1.5% on all purchases

Sign-up bonus: $200 after spending $500 in first 3 months

Pros: No annual fee, great for general spending

Best for: Beginners who want simple cashback rewards

2. Discover it® Cash Back

Cashback: 5% on rotating categories (like groceries, gas) and 1% on everything else

Sign-up bonus: Cashback match in first year

Pros: No annual fee, great for maximizing rotating categories

Best for: Smart shoppers who track category changes

3. American Express® Gold Card

Rewards: 4X points at restaurants, 4X points at US supermarkets (up to $25,000/year)

Sign-up bonus: 60,000 points after spending $4,000 in first 6 months

Pros: Excellent for dining and grocery spending

Annual fee: $250

Best for: Foodies and frequent shoppers

4. Citi® Double Cash Card

Cashback: 2% on all purchases (1% when you buy + 1% when you pay)

Pros: No categories to track, unlimited 2% cashback

Annual fee: $0

Best for: People who want simple, consistent cashback

5. Capital One Venture Rewards Credit Card

Rewards: 2X miles per dollar on all purchases

Sign-up bonus: 75,000 miles after spending $4,000 in first 3 months

Pros: Flexible travel rewards, good for travel enthusiasts

Annual fee: $95

Best for: Frequent travelers

4. How to Choose the Right Credit Card for You?

Spending habits: Do you spend more on groceries, travel, or dining?

Fees: Consider annual fees and foreign transaction fees

Reward redemption: Check how easy it is to redeem points or cashback

Credit score requirement: Some cards need good to excellent credit

5. Tips to Maximize Your Rewards

1. Pay your full balance every month to avoid interest

2. Track rotating categories on cards like Discover it®

3. Combine cards to maximize cashback in different categories

4. Redeem points for maximum value (e.g., travel often gives better value than gift cards)

Conclusion

Choosing the right cashback or rewards credit card can save you hundreds of dollars a year and help you earn perks on your everyday spending. Cards like Chase Freedom Unlimited®, Discover it®, and American Express Gold are excellent choices depending on your lifestyle. Always spend responsibly and pick the card that matches your spending habits.