Discover unbeatable cash back with the top credit cards of March 2025, loaded with rewards for every purchase. These gems simplify savings daily.
1. Wells Fargo Active Cash® Card
Rating: 5.0 NerdWallet rating Annual Fee: $0 Rewards Rate: 2% cash rewards on purchases
Intro Offer: Earn a $200 cash rewards bonus after spending $500 on purchases in the first 3 months
Rewards Breakdown:
Earn unlimited 2% cash rewards on purchases
Card Details:
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Up to $600 of cell phone protection against damage or theft (subject to a $25 deductible)
Pros:
You’ll earn 2% cash rewards on all purchases, among the best rates on the market for products in its class. But the card also features a generous sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. On top of that, it also offers a 0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers 12 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.24%, 24.24%, or 29.24% Variable APR.
Cons:
You can find higher cash-back rates in specific, popular spending categories, if you’re OK with keeping track of tiered or rotating reward structures. And like many cash-back cards, this one’s not ideal for traveling abroad, thanks to its foreign transaction fee.
2. Citi Double Cash® Card
Rating: 4.5 NerdWallet rating Annual Fee: $0 Rewards Rate: Up to 2% cash back on purchases: 1% when you buy, plus 1% as you pay
Intro Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
Rewards Breakdown:
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
Card Details:
0% intro APR on balance transfers for 18 months, then 18.24% – 28.24% variable APR
Earn $200 cash back after spending $1,500 on purchases in the first 6 months
No annual fee and no categories to track
Pros:
The Citi Double Cash® Card offers straightforward rewards: 2% cash back on everything — 1% when you spend and another 1% when you pay it off — without an annual fee. It also boasts one of the longest 0% intro APR periods for balance transfers among cash-back cards: 18 months (followed by a 18.24% – 28.24% Variable APR).
Cons:
You must pay your bill on time every month to earn the full 2% cash back with this card — a potential downside for those who sometimes carry a balance. And it charges a foreign transaction fee, so it’s not the best choice for use overseas.
3. Chase Freedom Unlimited®
Rating: 5.0 NerdWallet rating Annual Fee: $0 Rewards Rate: 1.5% – 5% cash back
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back!
Rewards Breakdown:
5% cash back on travel purchased through Chase Travel℠
3% cash back on dining (including takeout and eligible delivery services)
1.5% cash back on all other purchases
Card Details:
0% intro APR for 15 months from account opening on purchases and balance transfers
Earn an additional 1.5% cash back on up to $20,000 spent in the first year
No annual fee with flexible redemption options
Pros:
The Chase Freedom Unlimited® combines valuable everyday bonus categories with a unique sign-up bonus for new cardholders: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back! Beyond the sign-up bonus period, you’ll earn an unlimited 1.5% cash back on most purchases, plus higher rates in several popular spending categories — including 5% cash back on travel purchased through Chase Travel℠ and 3% cash back on dining and drugstore purchases — all with no annual fee. Another perk: a 0% intro APR for 15 months from account opening on purchases and balance transfers, followed by a 19.49% – 28.24% Variable APR.
Cons:
The Chase Freedom Unlimited® card’s rewards lose some of their value unless paired with a premium Chase card, such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, which allow you to transfer your cash-back points to valuable airline and hotel partners. And it charges a foreign transaction fee, so it’s not great for use overseas.
4. Blue Cash Preferred® Card from American Express
Rating: 4.5 NerdWallet rating Annual Fee: $0 intro annual fee for the first year, then $95 Rewards Rate: 1% – 6% cash back
Intro Offer: Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months
Rewards Breakdown:
6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6% cash back on select U.S. streaming subscriptions
3% cash back at U.S. gas stations and on transit
Card Details:
0% intro APR on purchases and balance transfers for 12 months from account opening
Earn a $250 statement credit after spending $3,000 in the first 6 months
Annual fee of $95 after the first year
Pros:
The Blue Cash Preferred® Card from American Express offers a market-leading cash-back rate at U.S. supermarkets: 6% cash back on up to $6,000 per year in purchases (then 1%). You’ll also earn 6% cash back on select U.S. streaming subscriptions such as Netflix and Spotify — a rare perk among cash-back cards — plus 3% cash back at U.S. gas stations and on transit purchases such as rideshares and parking.
Cons:
After its $0 intro annual fee for the first year, this card charges a $95 annual fee — potentially a turn-off if you don’t spend enough at U.S. supermarkets to offset the cost. And its highest cash-back category — U.S. supermarkets — comes with a spending cap; you’ll earn just 1% after hitting $6,000 in purchases per year.
5. Capital One Savor Cash Rewards Credit Card
Rating: 4.0 NerdWallet rating Annual Fee: $95 Rewards Rate: 1% – 8% cash back
Intro Offer: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Rewards Breakdown:
8% cash back on Capital One Entertainment purchases
4% cash back on dining, entertainment, and popular streaming services
3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
Card Details:
0% intro APR on purchases and balance transfers for 15 months
Earn a $300 cash bonus after spending $3,000 in the first 3 months
$95 annual fee with no foreign transaction fees
Pros:
With the Capital One Savor Cash Rewards Credit Card, foodies and fun-seekers can earn 4% cash back on dining and entertainment purchases — including everything from restaurants to movie tickets — plus 4% on popular streaming services and 3% at grocery stores (excluding superstores like Walmart® and Target®). And it stands out among food-and-fun-focused cards with an even higher rate — 8% cash back — on Capital One Entertainment purchases, such as concert and sports tickets booked through that portal.
Cons:
The card charges a $95 annual fee, which might not make sense if your spending in its bonus categories is light. And its welcome offer — Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening — requires a fairly high spend compared with similar cards offering bonuses for less.
6. Chase Freedom Flex®
Rating: 5.0 NerdWallet rating Annual Fee: $0 Rewards Rate: 1% – 5% cash back
Intro Offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
Rewards Breakdown:
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% cash back on dining and drugstore purchases
Card Details:
0% intro APR for 15 months from account opening on purchases and balance transfers
Earn a $200 bonus after spending $500 in the first 3 months
No annual fee with quarterly bonus category activation
Pros:
The Chase Freedom Flex® offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate — categories that often align with everyday spending, like gas stations and grocery stores. Beyond rotating categories, you’ll earn unlimited bonus cash back year-round: 5% cash back on travel purchased through Chase Travel℠, 3% on dining (including takeout and eligible delivery services) and 3% at drugstores — all with no annual fee.
Cons:
You must activate the bonus categories each quarter to earn 5% cash back — a potential hassle if you’re forgetful. And there’s a spending cap on those rotating quarterly categories: After you hit $1,500 in combined purchases, you’ll earn just 1% cash back until the next quarter.
7. Discover it® Cash Back
Rating: 5.0 NerdWallet rating Annual Fee: $0 Rewards Rate: 1% – 5% cash back
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover
Rewards Breakdown:
5% cash back on everyday purchases at different places you shop each quarter up to the quarterly maximum when you activate
1% unlimited cash back on all other purchases — automatically
Card Details:
0% intro APR for 15 months on purchases and balance transfers
Unlimited Cashback Match at the end of your first year
No annual fee or foreign transaction fees
Pros:
The Discover it® Cash Back features 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 — often matching popular spending categories. And Discover sweetens the deal for new cardholders with its Unlimited Cashback Match: Discover will automatically match all the cash back you’ve earned at the end of your first year, effectively doubling your rewards with no cap.
Cons:
You must activate the 5% cash back categories each quarter, which requires some effort to maximize rewards. And there’s a quarterly maximum on those bonus earnings — typically $1,500 in combined purchases — after which you’ll earn just 1% cash back until the next quarter begins.
8. Blue Cash Everyday® Card from American Express
Rating: 4.0 NerdWallet rating Annual Fee: $0 Rewards Rate: 1% – 3% cash back
Intro Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months
Rewards Breakdown:
3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
3% cash back on U.S. online retail purchases on up to $6,000 per year (then 1%)
3% cash back at U.S. gas stations on up to $6,000 per year in purchases (then 1%)
Card Details:
0% intro APR on purchases and balance transfers for 15 months
Earn a $200 statement credit after spending $2,000 in the first 6 months
No annual fee with capped rewards categories
Pros:
The Blue Cash Everyday® Card from American Express offers a compelling 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), plus the same 3% rate on U.S. online retail purchases and at U.S. gas stations — each capped at $6,000 annually — making it a strong choice for everyday spending. And with no annual fee, it’s easy on the wallet.
Cons:
Each of this card’s 3% cash back categories — U.S. supermarkets, U.S. online retail purchases and U.S. gas stations — comes with a $6,000 annual spending cap, after which you’ll earn just 1% cash back. And it charges a foreign transaction fee, so it’s not ideal for use outside the U.S.
