Best cash back credit cards

Wells Fargo’s terms and card page (Nov 10, 2026) show unlimited 2% cash rewards on purchases, $0 annual fee as of Nov 10, 2026, and $100 cash rewards after $500 in purchases in the first 3 months as of Nov 10, 2026. Purchases, and balance transfers requested within 120 days, get 0% intro APR (12 months, purchases and qualifying balance transfers) as of Nov 10, 2026, then 18.74%, 24.74% or 28.74% APR (variable, after the intro period) as of Nov 10, 2026. The balance transfer fee is $5 or 3% (greater) for 120 days; then up to 5% ($5 min) as of Nov 10, 2026. There’s a 3% foreign transaction fee as of Nov 10, 2026, so it’s not a travel card.

Citi’s card page (Nov 10, 2026) says you earn 1% when you buy and another 1% as you pay, plus a total of 5% on hotels, car rentals and attractions booked through Citi Travel. There’s $0 annual fee as of Nov 10, 2026. The intro offer is on balance transfers only: 0% intro APR (18 months, balance transfers only) as of Nov 10, 2026, then 18.49%–28.74% APR (variable) as of Nov 10, 2026; the transfer fee is 3% ($5 min) within the first 4 months; then 5% ($5 min) as of Nov 10, 2026. Citi notes balance transfers don’t earn cash back, and there’s a 3% foreign purchase fee as of Nov 10, 2026. Citi’s separate terms pages wouldn’t load for us, so these figures are from the “Pricing Details” section of the card page.

Chase’s page shows 1.5% on everything, 3% on dining and drugstores, and 5% on Chase Travel, $0 annual fee as of Nov 10, 2026 and $200 after $500 in purchases in the first 3 months as of Nov 10, 2026. Its pricing page lists 0% intro APR (first 15 months, purchases and balance transfers) as of Nov 10, 2026, then 18.49%–27.99% APR (variable, after the intro period) as of Nov 10, 2026. Balance transfer fee: $5 or 3% (greater) on transfers within 60 days of opening; then $5 or 5% as of Nov 10, 2026. Foreign transactions: 3% foreign transaction fee as of Nov 10, 2026.

Capital One sells this card as Savor (the old SavorOne link now redirects here). Its page shows 3% on dining, entertainment, popular streaming services and grocery stores, 1% on everything else, 8% on Capital One Entertainment purchases and 5% on hotels, vacation rentals and rental cars booked through Capital One Travel. $0 annual fee as of Nov 10, 2026, no foreign transaction fees, and $200 after $500 in purchases in the first 3 months as of Nov 10, 2026. It offers 0% intro APR (12 months, purchases and balance transfers) as of Nov 10, 2026, then 18.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026. The page says a balance transfer fee applies but doesn’t show the amount, so we haven’t listed one.

American Express shows 6% at US supermarkets on up to $6,000 a year in purchases (then 1%), 6% on select US streaming, 3% on transit and at US gas stations, and 1% on other purchases. Its rates and fees page lists $0 intro annual fee the first year, then $95 as of Nov 10, 2026, 0% intro APR (12 months, purchases and balance transfers requested within 60 days) as of Nov 10, 2026, then 19.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026; balance transfer fee $5 or 3% of each transfer, whichever is greater as of Nov 10, 2026; and a 2.7% foreign transaction fee as of Nov 10, 2026. The welcome offer isn’t a single number: Amex says it will tell you after approval whether you’re eligible and the exact amount, “as high as $300.”

Amex’s terms show 3% at US supermarkets, US online retail purchases and US gas stations, each on up to $6,000 a year (then 1%), and 1% elsewhere, with $0 annual fee as of Nov 10, 2026 and $150 cash back after $2,000 in purchases in the first 6 months as of Nov 10, 2026. The intro APR is 0% intro APR (6 to 18 months depending on creditworthiness, purchases and balance transfers) as of Nov 10, 2026, then 19.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026. Balance transfer fee: $5 or 3% of each transfer, whichever is greater as of Nov 10, 2026. Foreign transactions: 2.7% foreign transaction fee as of Nov 10, 2026.

Discover’s page (discover.com now describes itself as a Capital One webpage) shows 5% cash back on quarterly categories when you activate, up to the quarterly maximum, and 1% on other purchases, with no annual fee. It also shows an unlimited Cashback Match of all cash back earned at the end of your first year, and $200 statement credit after $500 in the first 3 months as of Nov 10, 2026. Intro APR: 0% intro APR (15 months, purchases and balance transfers) as of Nov 10, 2026, then 18.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026. The page says a balance transfer fee applies but we couldn’t see the amount, so it isn’t listed.

Capital One’s page shows unlimited 1.5% cash back, $0 annual fee as of Nov 10, 2026, no foreign transaction fees, $200 after $500 in purchases within 3 months as of Nov 10, 2026, and 0% intro APR (15 months, purchases and balance transfers) as of Nov 10, 2026, then 18.74%–28.74% APR (variable, after the intro period) as of Nov 10, 2026. A balance transfer fee applies, but the amount isn’t on the card page.