Mejores tarjetas de crédito con cashback

Discover the most attractive cashback credit cards on the market to maximize your savings on every purchase. This guide helps you compare options with varying cashback percentages, bonus categories, and additional benefits. Find the ideal card that fits your spending habits, whether for groceries, gas, online shopping, or travel. Optimize your personal finances and get the most out of your money with the best cashback offers available.

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  1. 1

    Discover it Cash Back

    199 Global Votes
    • Good and easy to get card

      (+4)

    The Discover it Cash Back card offers an attractive rewards program with 5% cash back in rotating categories that change quarterly, allowing cardholders to maximize earnings on everyday spending. Furthermore, its unlimited Cashback Match feature at the end of the first year automatically doubles all cash back earned, providing significant value to new cardholders.

  2. 2

    Capital One Quicksilver Cash Rewards Credit Card

    40 Global Votes
    • Earns unlimited 1.5% cash back on every purchase

      (+4)

    This card provides unlimited 1.5% cash back on every purchase, offering consistent value without the need to track spending categories. It also includes a $200 cash bonus for new cardholders and has no annual fee, maximizing savings for users.

  3. 3

    Chase Freedom Unlimited

    4 Global Votes
    • Earns 3% on dining and drugstores

      (+4)

    The Chase Freedom Unlimited card offers a strong 1.5% cash back rate on all purchases, complemented by bonus categories of 3% on dining and drugstores, and 5% on travel through Chase Travel SM. Its rewards structure allows users to accumulate significant cash back on everyday and specific spending, making it a highly competitive option for maximizing returns.

  4. 4

    Bank of America Cash Rewards

    2 Global Votes
    • No annual fee

      (+4)

    This card offers an unlimited 1.5% cash back on all purchases, with the potential to earn 2% during the first year. Its rewards do not expire and it carries no annual fee, making it an attractive option for cash back.

  5. 5

    Citi Double Cash Card

    1 Global Votes
    • Simple, dependable 2% cash back on every purchase

      (+4)

    The Citi Double Cash Card provides an unlimited 2% cash back rewards program on all purchases, split as 1% when buying and 1% when paying. This straightforward structure, without caps or rotating categories, makes it a highly appealing option for maximizing daily spending returns. Furthermore, it carries no annual fee, adding significant value for cardholders.

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  7. 6

    Wells Fargo Active Cash Card

    1 Global Votes
    • Earns unlimited 2% cash rewards on all purchases

      (+4)

    This card offers an unlimited 2% cash back on all purchases, providing consistent and reliable value for everyday spending. Its rewards structure is straightforward and it carries no annual fee, making it a highly attractive option for consumers looking to maximize their cash rewards without complications.

  8. 7

    Chase Freedom Flex

    0 Global Votes
    • Has a $0 annual fee

      (+4)

    The Chase Freedom Flex provides an attractive 5% cash back on rotating quarterly bonus categories, allowing users to maximize their earnings on everyday spending. It also offers 5% cash back on travel booked through Chase Travel℠ and 3% on dining and drugstores, solidifying its value for diverse spending needs.

  9. 8

    PayPal Cashback Mastercard

    0 Global Votes
    • Earns 3% cash back when checking out with PayPal

      (+4)

    This card offers an attractive rewards program with 3% cash back on purchases made through PayPal and 1.5% on all other transactions. Its no-annual-fee policy makes it a highly competitive option for those looking to maximize their spending returns without additional costs.

Frequently asked questions

This ranking evaluates credit cards that offer cash back rewards on purchases. Factors such as the cash back percentage, bonus spending categories, and ease of redemption are considered.
The results should be interpreted as a guide to finding cards that fit your spending habits. Some cards are better for everyday spending, others for rotating categories or specific purchases like groceries or gas.
Popular cards include the Chase Freedom Unlimited®, Apple Card, Capital One Savor Cash Rewards Credit Card, Prime Visa, Wells Fargo Active Cash®, Citi Double Cash® Card, and the Blue Cash Everyday® Card from American Express, each with its own advantages.
Yes, several popular cards offer cash back with no annual fee, such as the Citi Double Cash® Card, Discover it® Cash Back, and Chase Freedom Unlimited®. These are excellent options for maximizing rewards without additional costs.

How we built this ranking and what to consider when choosing

Our methodology for ranking the best cashback credit cards is based on a comprehensive analysis of their key features and benefits, focusing on how these cards can maximize savings for consumers.

  • The base cashback rate and bonus rates in specific categories (e.g., supermarkets, gas, online shopping) are considered to determine savings potential.
  • The ease and flexibility of redeeming cashback are evaluated, whether as a statement credit, direct deposit, or for other rewards.
  • Annual fees and other associated charges are considered, prioritizing cards with zero annual fees or fees justified by the rewards earned.
  • Welcome offers, such as cash bonuses for initial spending, also influence the evaluation of the card's overall value proposition.
  • The card's relevance to different spending profiles is valued, from general everyday spending to rotating bonus categories that adapt to diverse needs.
  • Reward Percentage: Cards offering a high cashback percentage, both in general categories and specific spending, are prioritized.
  • Spending Categories: The relevance of bonus categories (e.g., supermarkets, gas, restaurants, online shopping) to typical consumer spending is valued.
  • Annual Fee: Cards with zero annual fees or those whose fees are significantly offset by cashback benefits are considered.
  • Ease of Redemption: The simplicity and flexibility of redeeming cash rewards, whether as a statement credit or direct deposit, is a key factor.
  • Welcome Offers: New cardholder bonuses that provide a significant initial boost to cashback are an important criterion.