Cash Back Card reviews from Reddit

Summary

We analyzed 186 Reddit reviews across 9 subreddits and 67 posts to rank the best Cash Back Card brands recommended by redditors, including communities like r/CreditCards, r/PersonalFinanceCanada, r/credit_cards, r/personalfinance, r/fatFIRE. Top-rated brands include Citi (4.2/5), American Express (4.3/5), Chase (4.2/5).

Stats

Reviews186

Subreddits9

Posts67

Brands40

Products97

Top communities

r/CreditCards157 r/PersonalFinanceCanada7 r/credit_cards5 r/personalfinance5 r/fatFIRE5

186 reviews from

and

By Brand

By Product

Citi

4.2

(27)

"I’ve been using the Citi Custom Cash for about a year now, and it’s been great for someone like me who spends a lot in one category each month. It automatically gives 5% back on whatever you use most."

"I’ve been using the Citi Custom Cash too and love how it just picks the highest category automatically. I pair it with the Wells Fargo Active Cash for 2% on everything else—it’s a solid combo."

"It has an elevated sign-up bonus for 75k points (worth $750) after spending $4k in three months."

"I like my Citi Double Cash. Cash back as you buy and as you pay!"

"Your best bet on the 5% card is Citi Custom Cash."

"Try Citi custom cash back - you get 5% cashback on your top category."

"Consider getting a second card like the Citi Custom Cash later on to stack rewards in specific categories."

"Just using Custom Cash and one flat-rate card like Quicksilver or Citi Double Cash gets you 90% of the way there without needing to juggle five cards."

"Agree with u/MysteriousHedgehog23 that Citi is probably the best. But with Platinum Honors, BofA may actually edge Citi out now that the Rewards+ is discontinued."

"Citi has great earners between the Custom Cash and the Double Cash and they’re both no AF."

American Express

4.3

(21)

"The Amex Blue Cash Preferred. If you are currently a Disney+ subscriber and spend at least $500 a month/$6000 a year, that card is excellent."

"Amex Blue Cash preferred is my favorite cashback card with AF."

"6% at grocery stores and streaming."

"6% on groceries and 3% on gas."

"6% grocery, 3% gas/transit."

"+1 on the amex blue preferred cash."

"6% on groceries and 3% on gas."

"The best."

"6% cash back groceries.. 3% gas."

"To be a great cash back card."

Chase

4.2

(19)

"5x URs plus the 2% cash back as Costco executive membership"

"Chase Amazon Prime (no AF, but requires an Amazon Prime membership to get some of these rewards rates) - 5% Amazon."

"5X UR points on some relevant categories."

"6.5% cash back on travel purchased through Chase Travel."

"The Amazon Prime Rewards Visa from Chase will get you 5% cashback at Amazon and Wholefoods."

"Chase Freedom Flex. 0% APR for 15 months. 5% on first 1.5K on rotating categories each quarter. 3% on Dining and Pharmacies."

"Chase Freedom Unlimited card, the Blue Cash Preferred Card from American Express and the BMO Bank Cash Back Mastercard, which offer 3% back (or more)"

"I heard the CFU is good but also the capital one savor card"

"Most of my expenses that go on my card is gas and food only because of the benefits the CFF card gives"

"Chase Ink Business Premier. $195 AF, 2.5% for purchases >= $5,000, and 2% otherwise."

Wells Fargo

4.3

(18)

"It earns 3% on Dining, Gas/EV charging, Travel (hotels, airline, etc)..."

"2% cash back on EVERYTHING."

"WF Active Cash 2% everything."

"Wells fargo Active Cash or Wells fargo Autograph."

"Wells Fargo active cash or capital one quicksilver for a simple flat rate cash back card."

"Unlimited 2% cash back. no categories, no annual fees."

"The Wells Fargo Active Cash is honestly one of the easiest cards to use. I have it too, and the flat 2% back adds up quietly without having to think."

"Love my Autograph card. Really good 3% cashback card."

"Wells Fargo Autograph sure seems like an enticing cashback card; thoughts?"

"Wells Fargo Active Cash or C"

Bank of America

4.0

(16)

"2.6% cashback on everything."

"2.625% back on non-category spend."

"5.25% back, up to $2500/qtr."

"5.25% and 3.5% for Dining and Groceries."

"3/2/1 card."

"Get a 2% card like Fidelity Visa, Citi Double Cash, or even Bank of America Unlimited Cash."

"I like the bofa custom cash base rate is 3% but with more biz at bofa can get 5.25%."

"2.625% cashback on everything."

"Can earn up to 2.62% on all purchases."

"18mo 0%."

Capital One

4.1

(11)

"If you really like grocery shopping at Wal-Mart, Capital One has a 5% card for that too."

"Capital One Quicksilver allows multiple users per account. It also gives unlimited 1.5% Cash Back on all purchases every day."

"If you want a card with no spending (within reason) go for the Amex Business Platinum, Amex Business Gold or Capital One Venture X Business."

"Capital one savor and chase freedom flex are great for cash back!"

"The Capital One Svaor One or the U.S. Bank Altitude Go would be good for dining."

"I would also get a 2% card for everything else like the Capital One Venture X, Wells Fargo Active Cash, or Citi Double Cash."

"3% Dining, Groceries, Entertainment, Streaming."

"Only excellent credit version offers the 15mo 0%."

"3% on dining, groceries, entertainment and streaming."

"Covers your dining and grocery and any entertainment + streaming."

Fidelity

4.3

(8)

"I really like the Fidelity 2% cash back card."

"The fidelity 529k cashback card is incredible. 2% unlimited cash back."

"Get a 2% card like Fidelity Visa, Citi Double Cash, or even Bank of America Unlimited Cash."

"I recommend a 2% flat cashback card, like the Fidelity Visa."

"2% cash back when deposited into a Fidelity account."

"2% cashback no AF no FTF."

"Fidelity has a 2% cash back that you can put into one of your selected accounts."

"Several options to choose from for 2%, Fidelity Visa, Wells Fargo Active Cash, PayPal Card."

US Bank

4.1

(7)

"My favorite cashback cards are US Bank Cash+ and Elan Max Cash."

"If you don't mind an AF, the USBAR can net 3x (4.5%) at Costco."

"2, 5% categories that you pick."

"5% cash back when you use it through mobile pay."

"Altitude Go ($0 AF): 4% on dining."

"Citi custom cash (5% groceries)."

"US Bank Altitude GO is my favorite card as it has 4% dining, 2% grocery, and a $15 streaming credit with no FTF."

Alliant

4.7

(6)

"Flat 2.5x Cashback on first $10,000 worth of purchases per billing cycle"

"2.5% Everything."

"It gets 2.5 cash back if you meet the criteria and hard to find better for pure cashback."

"Alliant CU's signature Visa is 2.5% cash back (on the first $10k each month) with no FTF, no AF."

"Up to 2.5% cash back on purchases."

"Have you considered the Alliant Visa Signature? 2.5% unlimited cash back."

#10

AAA

4.0

(7)

"AAA Daily Advantage Visa Signature by Bread Financial 5% on Groceries incl Walmart , 3% on Warehouse Clubs ( Sam's, BJs, Costco )"

"The Travel Advantage standout is 5% back on gas."

"5% back on groceries up to $500 cash back a year."

"AAA travel advantage 5% gas, 3% dining groceries travel"

"Look at the AAA Daily Advantage Visa Signature Credit Card for groceries and gas"

"5% gas, 3% dining, travel, and grocery."

"5% gas and EV stations, 3% grocery, restaurants, and travel."

#11

Discover

4.4

(5)

"Offers 5% cashback every quarter."

"2% cash back at restaurants and gas stations."

"Good options."

"Cash back match the first year."

"Discover always seems to be the King of Cash back."

#12

U.S. Bank

3.8

(5)

"BofA with platinum honors, Citi, and US Bank seem to be the biggest contenders."

"The Capital One Svaor One or the U.S. Bank Altitude Go would be good for dining."

"I would consider the U.S. Bank Altitude Reserve for everything mobile wallet and redeem at 4.5% for your domestic travel."

"4x back on travel and gas."

"US Bank Shopper Cash Rewards has a 3% wholesale club category. It has a $95 annual fee though."

#13

Crypto.com

4.0

4.0

3.0

(1)

"Allegiant has a 2.5% back on everything card."

#40

MBNA

2.0

(1)

"Wouldn't use the MBNA RWE MC as a cashback card."

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