Best Cash Back Credit Cards of 2026

A standout no-annual-fee card with strong bonus categories and a simple earning structure. Good for everyday spend and pairing with other Chase cards.

Automatically earns 5% on your top spending category (up to $500/quarter). Great for gas, groceries, or dining depending on your habits.

Unmatched 6% back at U.S. supermarkets (up to $6,000/year) and streaming services. The $95 annual fee pays for itself quickly for families spending $200+/month on groceries.

The best no-annual-fee flat-rate cash back card on the market. 2% on everything with no category hassles, plus 0% intro APR for 15 months. Direct competitor to Citi Double Cash with a better intro offer.

Earn 5% in rotating categories (up to quarterly cap). Discover matches all cash back at the end of your first year, effectively doubling rewards.

Strong category bonuses for everyday spending with no annual fee. Good for families and commuters.

Straightforward 1.5% back on everything with no annual fee and no foreign transaction fee. One of the simplest good cash-back cards available, ideal as a default everyday card.

Straightforward 1.5% on everything. Good for gas and everyday spending when you want to keep it simple.

Strong dining card with 4x on dining and no annual fee or foreign transaction fee. 2x on groceries, streaming, and gas. An underrated alternative to premium cards for budget-conscious foodies.

Pick your own 3% category from gas, online shopping, dining, travel, drugstores, or home improvement. 2% on groceries and wholesale clubs. Preferred Rewards members can boost rates up to 75%.