Explore the 5 best cashback credit cards for everyday spending in the USA. Learn about the pros, cons, and why these cards are perfect for maximizing your rewards on daily purchases.
Cashback credit cards are one of the most popular financial tools for those who want to earn rewards for everyday purchases. Whether you’re buying groceries, fueling your car, or dining out, these cards provide cash back, making your spending more rewarding. With so many options available, it can be difficult to choose the right one. To help you make an informed decision, we have compiled a list of the 5 best cashback credit cards for everyday spending in USA. In this article, we’ll outline the pros, cons, and reasons why each card stands out.
1. Chase Freedom Unlimited®
The Chase Freedom Unlimited® is a versatile cashback credit card perfect for everyday spending. It offers 1.5% cashback on all purchases, plus enhanced rewards in certain categories, such as 5% on travel purchased through the Chase Ultimate Rewards program and 3% on dining and drugstore purchases.
Pros:
- 1.5% cashback on every purchase
- 5% cashback on travel and 3% on dining and drugstores
- No annual fee
- Great sign-up bonus of $200 after spending $500 in the first 3 months
Cons:
- No bonus categories outside of travel, dining, and drugstores
- Requires good credit for the best approval chances
Why Choose It:
The Chase Freedom Unlimited® is a great all-around card for those who want simplicity with additional rewards for certain categories. It’s ideal for anyone who wants to earn cashback with minimal effort and no annual fee.
Website Link: Chase Freedom Unlimited®
2. Citi® Double Cash Card
For those who want a straightforward cashback card, the Citi® Double Cash Card offers a compelling deal. It gives 1% cashback on every purchase and an additional 1% when you pay your bill, making it a double-dipping reward card.
Pros:
- 2% cashback on every purchase (1% when you buy, 1% when you pay)
- No annual fee
- High cashback rate on all purchases
- Introductory 0% APR for 18 months on balance transfers
Cons:
- No bonus categories or rotating categories
- High APR after the introductory period
Why Choose It:
The Citi® Double Cash Card is perfect for those who prefer simplicity and prefer consistent cashback without worrying about rotating categories or spending limits. It’s one of the best cashback credit cards for everyday spending due to its high, flat cashback rate on all purchases.
Website Link: Citi® Double Cash Card
3. Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express is perfect for families and individuals who spend heavily on groceries, gas, and department store purchases. It offers 3% cashback on groceries (up to $6,000 per year), 2% on gas, and 1% on all other purchases.
Pros:
- 3% cashback on groceries (up to $6,000 per year)
- 2% cashback on gas
- No annual fee
- $200 statement credit if you spend $2,000 in the first 6 months
Cons:
- Cashback categories are limited to groceries and gas
- 3% cashback on groceries applies only to the first $6,000 annually
Why Choose It:
If you frequently shop at grocery stores and gas stations, the Blue Cash Everyday® Card is an excellent choice. It maximizes cashback on essential purchases, and its introductory bonus adds extra value.
Website Link: Blue Cash Everyday® Card
4. Wells Fargo Active Cash® Card
For a simple, no-fuss cashback option, the Wells Fargo Active Cash® Card offers 2% cashback on every purchase. This is an excellent choice for those who don’t want to deal with rotating categories or complicated cashback systems.
Pros:
- Unlimited 2% cashback on all purchases
- No annual fee
- 0% APR on purchases for the first 15 months
- Great for people who prefer a flat cashback rate
Cons:
- Doesn’t offer enhanced rewards on any specific category
- High APR after the introductory period
Why Choose It:
If you prefer a flat-rate cashback credit card with no annual fee, the Wells Fargo Active Cash® Card is ideal. The 2% cashback rate on all purchases makes it one of the best cards for everyday spending, and the 0% APR for 15 months is an added bonus.
Website Link: Wells Fargo Active Cash® Card
5. Discover it® Cash Back
The Discover it® Cash Back card offers rotating quarterly categories, such as grocery stores, gas stations, and restaurants, where you can earn 5% cashback on up to $1,500 in spending each quarter (then 1%). Additionally, it matches all cashback earned during your first year.
Pros:
- 5% cashback on rotating categories (up to $1,500 per quarter)
- 1% cashback on other purchases
- Cashback match at the end of your first year
- No annual fee
Cons:
- 5% cashback is limited to specific categories each quarter
- You need to activate bonus categories every quarter
Why Choose It:
The Discover it® Cash Back card is ideal for those who enjoy earning high cashback rates in rotating categories. The added bonus of a cashback match at the end of your first year is an excellent incentive, making it one of the best cashback credit cards for maximizing rewards in specific categories.
Website Link: Discover it® Cash Back
Conclusion:
When looking for the 5 best cashback credit cards for everyday spending in USA, it’s important to consider your spending habits. Each card offers unique benefits, from the simple, high cashback rate of the Citi® Double Cash Card to the rotating categories of the Discover it® Cash Back card. Whether you prefer a flat rate on all purchases or a card that rewards specific categories like groceries and gas, there’s something for everyone. Choose a card that fits your lifestyle and spending patterns to maximize your cashback rewards.
