Best Cashback Credit Cards of 2026

Cashback cards put money back in your pocket on every purchase. These are the top cashback cards ranked by reward rate, signup bonus, and annual fee.

How We Rank

Cards are scored using category-specific metrics - not just the generic reward rate. Each card earns points for relevant category rewards, perks, signup bonuses, fees, and benefits that matter most for this use case. Cards from any issuer or category can qualify if they score well.

#1

Citi Strata Card

by Citi

Citi Strata Card is a cashback card from Citi with no annual fee, 20,000 bonus points after $1,000 in 3 months, and fair to good credit.

Why it's #1

  • 1.0% unlimited cash back
  • 5.0% on travel-portal
  • 3.0% on groceries
  • 3.0% on transit
  • 3.0% on gas
  • 3.0% on other
  • 2.0% on dining
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate1.0%
Signup Bonus20,000 bonus points after $1,000 in 3 months
Credit Score670-850
Regular APR18.49% - 28.49%
Apply Now →Full Review →
#2

Citi Double Cash Card

by Citi

Citi Double Cash Card is a cashback card from Citi with no annual fee, $200 cashback after $1,500 in 6 months, and good to excellent credit.

Why it's #2

  • 2.0% unlimited cash back
  • 5.0% on travel-portal
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate2.0%
Signup Bonus$200 cashback after $1,500 in 6 months
Credit Score700-850
Regular APR17.49% - 27.49%
Apply Now →Full Review →
#3

Chase Freedom Unlimited

by Chase

Chase Freedom Unlimited is a cashback card from Chase with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.

Why it's #3

  • 1.5% unlimited cash back
  • 3.0% on dining
  • 3.0% on drugstores
  • 5.0% on travel
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate1.5%
Signup Bonus$200 bonus after $500 in 3 months
Credit Score670-850
Regular APR18.24% - 27.74%
Apply Now →Full Review →
#4

Capital One SavorOne Cash Rewards

by Capital One

Capital One SavorOne Cash Rewards is a dining card from Capital One with no annual fee, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening, and fair to good credit.

Why it's #4

  • 1.0% unlimited cash back
  • 5.0% on travel-portal
  • 3.0% on dining
  • 3.0% on groceries
  • 3.0% on entertainment
  • 3.0% on streaming
  • No annual fee
  • $250 signup bonus*
Annual FeeNone
Base Rate1.0%
Signup BonusEarn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Credit Score670-850
Regular APR18.49% - 28.49%
Apply Now →Full Review →
#5

Wells Fargo Active Cash Card

by Wells Fargo

Wells Fargo Active Cash Card is a cashback card from Wells Fargo with no annual fee, earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months, and fair to good credit.

Why it's #5

  • 2.0% unlimited cash back
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate2.0%
Signup BonusEarn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
Credit Score670-850
Regular APR18.49% - 28.49%
Apply Now →Full Review →
#6

Citi Strata Premier Card

by Citi

Citi Strata Premier Card is a travel card from Citi with a $95 annual fee, 60,000 thankyou points after $4,000 in 3 months, and good to excellent credit.

Why it's #6

  • 1.0% unlimited cash back
  • 10.0% on travel-portal
  • 3.0% on flights
  • 3.0% on hotels
  • 3.0% on dining
  • 3.0% on groceries
  • 3.0% on gas
  • $750 signup bonus*
Annual Fee$95
Base Rate1.0%
Signup Bonus60,000 ThankYou points after $4,000 in 3 months
Credit Score700-850
Regular APR20.24% - 28.24%
Apply Now →Full Review →
#7

Capital One Venture Rewards

by Capital One

Capital One Venture Rewards is a travel card from Capital One with a $95 annual fee, 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening, and good to excellent credit.

Why it's #7

  • 2.0% unlimited cash back
  • 5.0% on travel-portal
  • 5.0% on entertainment
  • $750 signup bonus*
Annual Fee$95
Base Rate2.0%
Signup Bonus75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Credit Score700-850
Regular APR19.49% - 28.49%
Apply Now →Full Review →
#8

Capital One Venture X Rewards

by Capital One

Capital One Venture X Rewards is a travel card from Capital One with a $395 annual fee, 75,000 miles after $4,000 in 3 months, and excellent credit.

Why it's #8

  • 2.0% unlimited cash back
  • 10.0% on travel-portal
  • 5.0% on travel-portal
  • 5.0% on entertainment
  • $750 signup bonus*
Annual Fee$395
Base Rate2.0%
Signup Bonus75,000 miles after $4,000 in 3 months
Credit Score740-850
Regular APR19.49% - 28.49%
Apply Now →Full Review →
#9

Chase Freedom Flex

by Chase

Chase Freedom Flex is a cashback card from Chase with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.

Why it's #9

  • 1.0% unlimited cash back
  • 3.0% on dining
  • 3.0% on drugstores
  • 5.0% on travel
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate1.0%
Signup Bonus$200 bonus after $500 in 3 months
Credit Score670-850
Regular APR18.24% - 27.74%
Apply Now →Full Review →
#10

Bank of America Customized Cash Rewards

by Bank of America

Bank of America Customized Cash Rewards is a cashback card from Bank of America with no annual fee, $200 bonus after $1,000 in 3 months, and fair to good credit.

Why it's #10

  • 1.0% unlimited cash back
  • 3.0% on dining
  • 3.0% on online
  • 3.0% on gas
  • 2.0% on groceries
  • No annual fee
  • $200 signup bonus*
Annual FeeNone
Base Rate1.0%
Signup Bonus$200 bonus after $1,000 in 3 months
Credit Score670-850
Regular APR17.49% - 27.49%
Apply Now →Full Review →