Credit cards with rewards and cashback programs can help consumers maximize their spending by earning points, miles, or cash back on everyday purchases. Some issuers specialize in premium travel rewards, while others focus on simple and generous cashback programs. This guide highlights the best credit card companies for rewards and cashback in 2025, comparing their strengths and offerings.
1. JPMorgan Chase & Co.
Chase is one of the most popular credit card issuers for rewards, particularly for travel enthusiasts. Its Ultimate Rewards® program offers flexible redemption options, including cash back, travel, and gift cards.
Best Chase Cards for Rewards & Cashback:
- Chase Sapphire Preferred® – Strong travel rewards with valuable transfer partners.
- Chase Freedom Unlimited® – Unlimited 1.5% cash back with bonus categories.
- Chase Freedom Flex® – Rotating 5% cashback categories and no annual fee.
Why Chase Stands Out:
- Flexible points that can be transferred to airline and hotel partners.
- High-value sign-up bonuses.
- Strong travel and purchase protections.
2. American Express
American Express is a top choice for those who prioritize travel and dining rewards. Its Membership Rewards® program allows for point transfers to airlines and hotels, maximizing travel redemptions.
Best American Express Cards for Rewards & Cashback:
- The Platinum Card® from American Express – Premium travel perks, including lounge access.
- American Express® Gold Card – High rewards on dining and supermarkets.
- Blue Cash Preferred® Card – Excellent cashback on groceries and streaming services.
Why American Express Stands Out:
- Valuable point transfers for travelers.
- Exclusive perks like concierge services and travel credits.
- High cashback rates on everyday spending categories.
3. Citibank
Citi offers a mix of cash-back and travel rewards credit cards, with a focus on simplicity and flexible redemptions through its ThankYou® Rewards program.
Best Citi Cards for Rewards & Cashback:
- Citi® Double Cash Card – Up to 2% cash back on all purchases (1% when you buy, 1% when you pay).
- Citi Premier® Card – Rewards on travel, dining, and entertainment.
- Citi Custom Cash℠ Card – 5% cash back on your top spending category each billing cycle.
Why Citi Stands Out:
- No complicated rewards structures.
- Strong balance transfer and cashback options.
- Flexible redemption choices, including gift cards and travel.
4. Capital One
Capital One is a strong contender for travel rewards, offering cards with straightforward earning structures and no foreign transaction fees.
Best Capital One Cards for Rewards & Cashback:
- Capital One Venture Rewards Credit Card – Flat-rate 2x miles on all purchases.
- Capital One SavorOne Cash Rewards – 3% cash back on dining, entertainment, and groceries.
- Capital One Quicksilver Cash Rewards – Unlimited 1.5% cash back with no categories.
Why Capital One Stands Out:
- Simple, no-hassle rewards structure.
- No foreign transaction fees on travel cards.
- Flexible redemption options for miles and cash back.
5. Bank of America
Bank of America provides extra rewards to customers with existing bank accounts through its Preferred Rewards program, boosting cashback percentages for eligible members.
Best Bank of America Cards for Rewards & Cashback:
- Bank of America® Customized Cash Rewards Credit Card – Choose your own 3% cashback category.
- Bank of America® Travel Rewards Credit Card – No annual fee with unlimited 1.5x points on all purchases.
- Bank of America® Premium Rewards® Credit Card – Flexible travel and dining rewards with a sign-up bonus.
Why Bank of America Stands Out:
- Higher cashback rates for banking customers.
- Customizable rewards categories.
- No blackout dates on travel redemptions.
6. Discover
Discover is a great option for cashback rewards, with rotating bonus categories and no annual fees. It also offers Cashback Match™, which doubles all cash back earned in the first year.
Best Discover Cards for Rewards & Cashback:
- Discover it® Cash Back – 5% cash back in rotating categories, plus first-year Cashback Match™.
- Discover it® Chrome – 2% cash back at gas stations and restaurants.
- Discover it® Miles – Unlimited 1.5x miles on all purchases with no blackout dates.
Why Discover Stands Out:
- No annual fees on most cards.
- First-year cash-back match for new cardholders.
- Free credit score tracking and security alerts.
Choosing the Right Rewards Credit Card
When selecting a rewards or cashback credit card, consider:
- Spending Habits: If you spend heavily in a specific category (like travel or groceries), choose a card that maximizes rewards in that area.
- Redemption Options: Some programs offer more flexibility, such as transferring points to travel partners.
- Annual Fees: High-annual-fee cards often provide better perks, but make sure the benefits outweigh the cost.
- Sign-Up Bonuses: Many cards offer introductory bonuses that can provide immediate value.
By carefully comparing issuers and their rewards structures, consumers can find the best credit card to maximize their spending and financial benefits.
