7 Incredible Cashback Credit Cards for 2024 You Can’t Miss

Looking to maximize your purchases with effortless cashback rewards? Whether you’re focused on groceries, gas, or dining, cashback credit cards offer a simple and rewarding way to save money. Here are the best cashback credit cards for 2024 that come with no-nonsense cashback rates, exclusive bonuses, and versatile rewards.

1. Citi® Double Cash Card – Best for Flat-Rate Cashback

The Citi® Double Cash Card offers one of the simplest cashback programs out there—perfect for those who want to earn cashback on every purchase without tracking categories. You’ll earn 2% cash back—1% when you make a purchase and 1% when you pay it off.

Key benefits:

• 2% unlimited cash back on every purchase, no categories to track.
• No annual fee.
• 0% intro APR on balance transfers for 18 months.

This card is an ideal choice for people who value simplicity and don’t want to fuss with rotating categories or quarterly enrollments.

2. Blue Cash Preferred® Card from American Express – Best for Groceries and Streaming

For families and frequent grocery shoppers, the Blue Cash Preferred® Card from American Express offers huge cashback rates on everyday essentials. You’ll get 6% cash back at U.S. supermarkets (up to $6,000 annually) and on select streaming services, making it perfect for both household spending and entertainment.

Key benefits:

• 6% cash back at U.S. supermarkets (up to $6,000 annually).
• 6% cash back on select U.S. streaming services like Netflix and Hulu.
• 3% cash back on transit and U.S. gas stations.

This card comes with a $95 annual fee, but if you’re someone who spends heavily on groceries and streaming services, the cashback potential can easily outweigh the cost.

3. Discover it® Cash Back – Best for Rotating Categories

The Discover it® Cash Back card is an excellent option for those who like to maximize rewards in rotating categories such as gas stations, grocery stores, Amazon, and more. Each quarter, you’ll earn 5% cash back in these rotating categories (up to $1,500 per quarter), and 1% on all other purchases.

Key benefits:

• 5% cash back in rotating categories that change every quarter (up to $1,500).
• Discover will match all the cashback you’ve earned at the end of your first year.
• No annual fee.

If you can stay on top of the rotating categories and activate them each quarter, this card offers great value for a no-fee option.

4. Wells Fargo Active Cash® Card – Best for Unlimited Cash Back

The Wells Fargo Active Cash® Card is another excellent choice for unlimited cashback seekers. It offers 2% cash back on every purchase, every day, making it ideal for consistent earners. Plus, it comes with a welcome bonus and a solid introductory APR period.

Key benefits:

• 2% unlimited cash back on all purchases.
• $200 cash rewards bonus after spending $500 in the first three months.
• 0% intro APR for 15 months on purchases and balance transfers.

With no annual fee, this card is a strong option for those who want straightforward rewards without category restrictions.

5. Chase Freedom Flex℠ – Best for Bonus Categories and Intro Offers

The Chase Freedom Flex℠ card offers a hybrid structure: 5% cashback on rotating quarterly categories, 3% on dining and drugstores, and 1% on all other purchases. With this card, you can earn significantly by activating and spending in the bonus categories each quarter.

Key benefits:

• 5% cashback on up to $1,500 in combined purchases in quarterly bonus categories.
• 3% cashback on dining, including takeout and drugstores.
• $200 bonus after spending $500 in the first three months.

For those willing to plan their spending around the 5% categories, this card offers a chance to earn big rewards.

6. U.S. Bank Cash+® Visa Signature® Card – Best for Customizable Categories

If you prefer choosing your cashback categories, the U.S. Bank Cash+® Visa Signature® Card lets you earn 5% cash back on two categories of your choice (up to $2,000 per quarter) and 2% cash back on one everyday category, such as gas or groceries.

Key benefits:

• 5% cashback on two categories of your choice (up to $2,000 per quarter).
• 2% cashback on one everyday category (like gas or groceries).
• $200 bonus after spending $1,000 in the first 120 days.

This card gives you flexibility in tailoring your rewards to fit your spending habits and maximizing cashback on the purchases you make most often.

7. Bank of America® Customized Cash Rewards Credit Card – Best for Flexible Cashback

The Bank of America® Customized Cash Rewards Credit Card offers a unique cashback structure that lets you choose your 3% cashback category. You can choose from gas, online shopping, dining, travel, or home improvement, making it highly adaptable.

Key benefits:

• Earn 3% cashback in the category of your choice.
• 2% cashback at grocery stores and wholesale clubs (up to $2,500 in combined purchases).
• No annual fee.

This card’s customizable feature makes it a great option for people whose spending habits vary and who want the ability to switch their top-earning category as their needs change.

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Frequently Asked Questions (FAQs)

Q: What’s the best cashback credit card for everyday purchases?

A: If you’re looking for a card that’s ideal for everyday spending, the Citi® Double Cash Card and the Wells Fargo Active Cash® Card both offer 2% unlimited cash back on all purchases, making them excellent choices for consistent earners.

Q: What’s the difference between rotating categories and flat-rate cashback cards?

A: Rotating categories offer higher cashback rates (like 5%) on specific types of purchases, but these categories change every quarter and require activation. Flat-rate cashback cards provide a consistent cashback rate (such as 2%) on all purchases, making them easier to use without needing to track bonus categories.

Q: Are there cashback cards that offer rewards on groceries?

A: Yes! The Blue Cash Preferred® Card from American Express offers 6% cash back at U.S. supermarkets (up to $6,000 annually), while the Bank of America® Customized Cash Rewards Card lets you earn 2% at grocery stores. Both cards are excellent for maximizing rewards on grocery purchases.

Q: How can I maximize my cashback rewards?

A: To maximize your cashback rewards, use a flat-rate card for general purchases and a rotating category card for purchases in specific bonus categories. For example, pair the Wells Fargo Active Cash® Card for 2% cashback on everything with the Discover it® Cash Back to get 5% cashback in rotating categories.

Q: Are there cashback cards with no annual fee?

A: Many great cashback cards come with no annual fee, including the Citi® Double Cash Card, Discover it® Cash Back, and Chase Freedom Flex℠. These cards offer solid cashback rewards without the cost of an annual fee.

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In conclusion, cashback credit cards provide a simple and effective way to earn rewards on your everyday purchases. Whether you’re looking for flexible categories, rotating bonus offers, or flat-rate rewards, these 7 stunning cards offer excellent options to help you save money and earn cash back throughout 2024.