Everyday rewards · 2026

Best cash back credit cards

Flat-rate and category bonuses that pay you in cash — not points you have to figure out. We rate earn rates, fees, welcome bonuses, and how simple redemptions actually are.

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Cash back

Cashback Credit Cards

Best when you want simple redemptions and strong earn on the purchases you already make.

2 rated

AWARD WINNER Excellent for high flat-rate cash back rewards

Citi Double Cash® Card

5.0

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on Citi Double Cash® Card’s secure website

Rates and fees

Annual Fee

Rewards Rate

2% - 5% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel

Welcome Bonus

$200 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

Intro APR

0% intro APR on Balance Transfers for 18 months

Regular APR

17.49% - 27.49%

Why We Like It

$200 cash back (as 20,000 ThankYou® Points) after $1,500 spend in the first 6 months
2% on every purchase (1% when you buy, 1% when you pay)
5% total cash back on select Citi Travel bookings

AWARD WINNER Excellent for cash back + intro purchase and balance transfer perks

Capital One Quicksilver Cash Rewards Credit Card

4.5

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on Capital One Quicksilver Cash Rewards Credit Card’s secure website

Rates and fees

Annual Fee

Rewards Rate

1.5% - 5% Earn 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

Welcome Bonus

$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Intro APR

0% intro APR on purchases and balance transfers for 15 months

Regular APR

18.49% - 28.49% variable APR

Why We Like It

$200 cash bonus after $500 spend within 3 months
1.5% cash back on every purchase; 5% on Capital One Travel hotels, vacation rentals, and rental cars
0% intro APR on purchases and balance transfers for 15 months

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