Top Rewards Credit Cards for Cashback Enthusiasts

If you're curious about how cashback credit cards operate, here's a simple explanation: each time you use your card, a certain percentage of your spending is returned as a cashback reward. Usually, you can redeem these rewards for cash once you've accumulated a minimum amount. For example, a card offering 2% cashback means spending $100 earns you $2 back.

Citi Double Cash Card

This card has no annual fee and offers 1% cashback on purchases plus an additional 1% when you pay off your bills. You earn a total of 2% cashback on all spending, redeemable as statement credits, gift cards, or checks. Its straightforward design and 18-month balance transfer offer make it popular. There's no need to track points or categories—just spend and get rewarded. The redemption minimum is $25.

Discover it Cashback Match

This card offers up to 5% cashback on rotating categories each quarter with no annual fee. You can earn 5% on things like groceries, fuel, or Amazon, up to $1,500 per quarter, after activation. All other purchases earn 1%. The standout feature is the Cashback Match, which doubles all your earned cashback at year-end—you'll get a full match of what you earned in your first year. Rewards depend on your spending habits and can be adjusted accordingly.

U.S. Bank Cash+ Visa Signature

With no annual fee, this card provides a base 2% cashback, plus a special offer of 5.5% on your first $2,000 quarterly spend in two selected categories, for the first year. After that, you'll receive 5% in those categories and 2% in your choice of one daily category like gas or shopping. The remaining purchases earn 1% cashback. Its flexible reward structure makes it suitable for active credit users who manage their accounts regularly.