Last fact checked: May 8, 2026 at 10:19 PM
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Best Cash Back Credit Cards of May 2026

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BCC Editor's Pick 2026
Chase Freedom Unlimited card art Rates & Fees

Chase Freedom Unlimited®

5.0 BCC Score
Apply Now

on Chase's secure site

Welcome Offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Rewards Rate
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Intro APR
0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable
Annual Fee
$0
Credit Score Needed
Excellent/Good
Card Brand
Visa®
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Pros

  • Lengthy 0% intro APR on purchases and balance transfers
  • Ability to easily combine points with your other Chase Travel℠ credit cards

Cons

  • There is a foreign transaction fee of 3% of each transaction in U.S. dollars
  • At 18.24% - 27.74% Variable, the ongoing APR is relatively high
BCC Editor's Pick 2026
Bank of America Customized Cash Rewards credit card card art

Bank of America® Customized Cash Rewards credit card

5.0 BCC Score
Apply Now

on Bank of America's secure site

Welcome Offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Rewards Rate
6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
Intro APR
0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases
Annual Fee
$0
Credit Score Needed
Excellent, Good
Card Brand
Visa®
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

  • Powerful cash back program that allows you to choose your bonus category
  • Generous sign up bonus to kickstart your cash back earning
  • No annual fee and a lengthy intro APR on purchases and balance transfers

Cons

  • There is a 3% foreign transaction fee
  • There is a balance transfer fee of 3% for 60 days from account opening, then 5%
Discover it Cash Back card art Rates & Fees

Discover it® Cash Back

4.5 BCC Score
Apply Now

on Discover's secure site

Welcome Offer
Discover will match all the cash back you’ve earned at the end of your first year
Rewards Rate
5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Intro APR
0% Intro APR for 15 months, then 17.49% - 26.49% Variable APR
Annual Fee
$0
Credit Score Needed
Good, Excellent
Card Brand
Discover
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem cash back for any amount. No annual fee.
  • Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.

Pros

  • One of the most rewarding Cash Back programs available
  • 0% Intro APR for 15 months on purchases and balance transfers, 17.49% - 26.49% Variable APR after that
  • No annual fee, no foreign transaction fees, and award-winning customer service

Cons

  • There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • A quarterly cap on the 5% cash back applies
Blue Cash Preferred Card from American Express card art Rates & Fees

Blue Cash Preferred® Card from American Express

4.5 BCC Score
Apply Now

on American Express' secure site

Welcome Offer
You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Rewards Rate
6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases.
Intro APR
0% on purchases for 12 months and 0% on balance transfers for 12 months, then 19.49%-28.49% Variable
Annual Fee
$0 intro annual fee for the first year, then $95
Credit Score Needed
Good, Excellent
Card Brand
AMEX
  • Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • $0 intro annual fee for the first year, then $95.
  • Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
  • Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
  • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
  • Terms Apply.

Pros

  • Earn a potentially large welcome offer after meeting spending requirements
  • Earn 6% cash back in a few popular spending categories
  • Enjoy a lengthy intro APR on purchases and balance transfers

Cons

  • There is an annual cap on the amount of cash back you can earn in the 6% categories
Chase Freedom Flex card art Rates & Fees

Chase Freedom Flex®

4.5 BCC Score
Apply Now

on Chase's secure site

Welcome Offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
Rewards Rate
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases
Intro APR
0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable
Annual Fee
$0
Credit Score Needed
Excellent/Good
Card Brand
Mastercard
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

Pros

  • Earn up to 5% cash back on select purchases
  • The spend threshold to earn the welcome offer is significantly lower than most credit cards
  • Escape high interest rates with a lengthy intro APR on purchases and balance transfers

Cons

  • There is a foreign transaction fee of 3% of each transaction in U.S. dollars
  • There is a cap on the 5% cash back in rotating quarterly categories
Capital One Quicksilver Cash Rewards Credit Card card art Rates & Fees

Capital One Quicksilver Cash Rewards Credit Card

4.5 BCC Score
Apply Now

on Capital One's secure site

Welcome Offer
Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening
Rewards Rate
1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
Intro APR
0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then 18.49% - 28.49% (Variable)
Annual Fee
$0
Credit Score Needed
Excellent, Good
Card Brand
Mastercard®
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
  • Top rated mobile app

Pros

  • 1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Lengthy intro APR on purchases and balance transfers. Balance transfer fee applies
  • No annual fee, no foreign transaction fees, and no minimums for redeeming cash back

Cons

  • Some cards offer more than 1.5% Cash Back, although they typically come with restrictions
  • Balance transfer fee applies
TD Cash Credit Card card art Rates & Fees

TD Cash Credit Card

4.5 BCC Score
Apply Now

on TD Bank's secure site

Welcome Offer
$200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
Rewards Rate
Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases.
Intro APR
0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness and 0% introductory APR for first 15 billing cycles after account opening. After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness, then 18.49%, 23.49% or 28.49% variable APR based on your credit worthiness.
Annual Fee
No annual fee
Credit Score Needed
Good, Excellent
Card Brand
Visa
  • NEW AND IMPROVED: 0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
  • Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
  • Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other purchases.
  • Visa benefits - Get Visa benefits like emergency card replacement, roadside assistance & cell phone protection when you pay your monthly mobile bill with your card. Terms apply.
  • Instant credit card replacement - If your card is lost or stolen, get an immediate replacement at a TD Bank
  • Visa Zero Liability - Enjoy Visa security on purchases, plus protection against unauthorized charges
  • Contactless Payments / Digital Wallet
  • No annual fee
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.

Pros

  • This card offers customizable 3% and 2% cash back categories to best fit your spending habits
  • Unlimited 1% Cash Back on all other eligible purchases
  • Over a year-long intro APR on purchases and balance transfers

Cons

  • There is a balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • This card has a foreign transaction fee of 3% of each transaction in U.S. dollars
Blue Cash Everyday Card from American Express card art Rates & Fees

Blue Cash Everyday® Card from American Express

4.5 BCC Score
Apply Now

on American Express' secure site

Welcome Offer
You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Rewards Rate
3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%)
Intro APR
0% on purchases for 15 months and 0% on balance transfers for 15 months, then 19.49%-28.49% Variable
Annual Fee
$0
Credit Score Needed
Good, Excellent
Card Brand
AMEX
  • Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
  • Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
  • Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
  • Terms Apply.

Pros

  • Pay no annual fee while you earn cash back on purchases
  • Enjoy a potentially large welcome offer to kickstart your cash rewards earning
  • Extra-long 0% intro APR on purchases and balance transfers

Cons

  • There is an annual cap on the amount of cash back you can earn in the 3% categories
  • The spending threshold to earn the potential welcome offer is a bit high
Citi Double Cash Card card art Rates & Fees

Citi Double Cash® Card

5.0 BCC Score
Apply Now

on Citibank's secure site

Welcome Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro APR
N/A and 0% for 18 months on Balance Transfers, then 17.49% - 27.49% (Variable)
Annual Fee
$0
Credit Score Needed
Excellent, Good
Card Brand
Mastercard
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Pros

  • One of the best flat-rate cash back offers available
  • Extra-long intro APR on balance transfers
  • No annual fee and $0 liability on unauthorized charges

Cons

  • No intro APR on purchases
  • This card charges a fee for balance transfers
Wells Fargo Active Cash Card card art Rates & Fees

Wells Fargo Active Cash® Card

4.5 BCC Score
Apply Now

on Wells Fargo's secure site

Welcome Offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Intro APR
0% intro APR for 12 months from account opening on purchases and 0% intro APR for 12 months from account opening on qualifying balance transfers, then 18.49%, 24.49%, or 28.49% Variable APR
Annual Fee
$0
Credit Score Needed
Excellent/Good
Card Brand
Visa
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Pros

  • Earn unlimited 2% cash rewards on purchases with no strings attached
  • Score a hefty welcome bonus and pay no annual fee
  • Enjoy a year of 0% intro APR on purchases and qualifying balance transfers

Cons

  • There is a foreign transaction fee of 3%
  • Balance transfers will incur a fee of 3% intro for 120 days from account opening, then up to 5%, min: $5

We're showing the top 10 cards. Read our methodology to learn how we choose them.