Best cashback card on Reddit

198 reviews from r/CreditCards, r/personalfinance, r/CreditCardsIndia and 6 more subreddits

198 reviews from

and

By Brand

By Product

Citi

4.4

(25)

"I'd suggest something like a Citi Double Cash - 2% cash back everywhere without regard to how/where/what stuff you buy."

"C1 SavorOne should be at the top of your list for 3% on dining and groceries."

"Citi Custom Cash, and I heard AAA credit card, and FCU Redstone are all 5% category cards."

"I have Citi Custom Cash for 5% on groceries up to $500."

"The Citi Custom Cash is probably one of the best options."

"Citi Custom Cash 5% cashback up til $500 spend on 1 category of your choice."

"Citi bank Double Cash."

"Citi Custom Cash for 5%."

"FIRST, just get a Citi Premier while you can get approved."

"Groceries 5%."

US Bank

4.2

(19)

"Gives 6 percent at Walmart and home depot."

"Mobile pay (apple/google/samsung) gets 3% cash back."

"US Bank Cash Plus at 5% if you select the Utilities category."

"It gives you 4% back."

"A nice catch-all at 4.5% with mobile pay."

"USBAR if you’re into cash back, and Venture X if you don’t mind points."

"US Bank Altitude Reserve - 4.5% back on mobile wallet purchases."

"There's the US Bank Altitude Reserve. If you redeem for travel it's basically a 4.5% return on any spending."

"Try the U.S. Bank Cash+ card."

"Has Amazon, target and Walmart as a 6% category."

Bank of America

4.3

(18)

"I get 5.25% cash back on all online purchases."

"Bank of america preferred rewards w/ platinum honors (100k+ in assets) tier. 2.625% on everything."

"BofA has their increase from being in Platinum Honors tier which gets their 1.5% card to 2.625% I believe."

"5.25% back on gas and 3.5% back on groceries."

"THEN look into a BOA Premium Rewards w/Preferred Rewards Plat tier if you want a high 'everything' card."

"2.62% cash back unlimited."

"5.25% CB on any category of your choice, including online."

"3% on one category which in your case is gas."

"The best I have is the BOA PR card that gives you 2.65% back on all purchases and 3.5% back on dining/travel."

"Depending on how much you have invested with them, their customized cash card gets from 3-5.25X on a category of your choice."

Wells Fargo

4.0

(18)

"Wells Fargo Active Cash has 2% cash back for all purchases."

"Also, look at the Well Fargo Active Cash card: It's similar to the Citi Double Cash Card."

"You could also add Wells Fargo Autograph."

"WF autograph is not the strongest cash back card, nor the strongest points card, but I'd say it's top-5 in both for most people."

"Wells Fargo Autograph/Autograph Journey have great multipliers if you don't want to deal with travel portals."

"Wells fargo active cash for a visa."

"For general."

"WF active cash for general."

"3% back on gas, hotels, airlines, rental cars, rideshare, restaurants."

"Wells Fargo Active Cash: I got the card since it has the easy sub to get at $200 SUB for $500 spend."

American Express

4.2

(10)

"As a mom - Amex cash preferred changed my life this year: 6% back groceries."

"Best would be 6% using blue cash preferred."

"6% up to 6k/year then 1%."

"3% for online shopping category at Walmart."

"I use BCE for 3% cash back on online retail up to $6000/yr."

"Would be good for groceries and gas."

"Might be a better option for you."

"We recently got Amex Blue Cash Preferred."

"Personally I'd go with the BCE for right now."

"Gives 3%, but spending is limited to $6,000/yr."

Chase

3.9

(9)

"Chase Freedom Unlimited appears to offer 3%."

"3x dining, 2x Travel, 1x everything else."

"Right now I'm using my Chase Freedom for 5% back on dining."

"Chase Sapphire Reserve gives you a lot of it."

"For Q4 Chase Freedoms are 5x up to $1500 at Costco."

"5x back on internet and phone and has no AF."

"Also look to the Chase Ink Business Cash."

"Chase Freedom Unlimited for me is worth considering too."

"You might want to check your freedom unlimited. It has 3% back on groceries."

SBI

4.7

(7)

"SBI cashback gives. 5%."

"SBI cashback is the only one that will give you 5%."

"Use sbi cashback. 5%. You won't get more than that in vouchers also."

"SIB Cashback is the best option."

"Unfortunately, SIB Cashback. There is really no other card that comes close to its value."

"1st choice is SIB. Will cover your fuel, dining (via wallet) and online spending (not all) both 10%."

"Sbi CB + Axis Ace"

PayPal

3.9

(8)

"5%."

"PayPal or Robinhood."

"Paypal Mastercard is 2% cash back on all purchases and 3% for Paypal purchases."

"I use PayPal MasterCard. 3% when using it through PayPal."

"The Paypal mastercard may be your best option."

"I use a paypal cashback card."

"If you're looking for another no AF flat all around card, take a look at the Paypal 2% cashback card."

"I landed on the PayPal Mastercard because I do a lot of online shopping and can score 3%."

Target

5.0

(6)

"Target red card also gives 5%."

"An easy recommendation for 5% off, not cash back at Target."

"If you do a lot of shopping at Target get a Target RedCard. Either the credit or debit version, doesn’t matter, they both give 5% discount at Target."

"Just install the Target app and link your red card."

"5% cards like the Target card."

#10

Capital One

4.0

(7)

"They're basically paying you $5/year just to carry this card."

"Capital One’s SavorOne might be feasible."

"Capital one Venture X is a great catch all card with an easily redeemable 300$ travel credit."

"Might be feasible."

"Gives me 3%."

"I use Capital One. 2% on everything."

"Look at Capital One Venture card (if you haven’t already come across)."

#11

Fidelity

3.9

(7)

"It’s great."

"Fidelity would be the best catch all Visa, as they got rid of FTF."

"Better."

"I’d do Fidelity Visa and get the sign up bonus plus 2 percent in everything."

"Here is a comparative list of No AF 2% cash back cards."

"In addition to the Citi Double Cash, also check out the Fidelity Visa."

"Fidelity gives 2% visa no annual fee no foreign transaction fee."

#12

AAA

4.5

(6)

"5% back on gas, and 3% back on groceries."

"5% back at grocery stores including Walmart."

"5% back at Walmart Neighborhood Market."

"5% Grocery store 3% Gas/EV, wholesale clubs, streaming services, pharmacy 1% everything else."

"5% groceries works at Walmart if you purchase a grocery item on the receipt."

"Lousy customer service."

#13

Alliant

4.3

(6)

"Alliant Visa Signature - 2.5% Everything."

"**Alliant Visa Signature** 2.5% everything, need to keep $1k in bank, plus electronic deposit 1/month"

"If you already have a 2% card, to me the only ones worth checking out to beat that are the Alliant 2.5%."

"Alliant credit union has a 2.5% cash back card if you’re willing to maintain a checking account with them."

"Give you 2.5% or 3% cash back on everything."

"If your spending is above $20k/year, the Alliant signature remains at 2.5%."

#14

Amex

4.2

(5)

"I have the Amex Blue Cash Preferred and love it."

"Amex Blue Cash Preferred is best for Groceries at 6% cashback."

"Amex blue cash everyday is 3% for groceries and 3% for online shopping."

"The Amex business cash card offers 2% if you can qualify for a business card."

"3% if you use Walmart pay through the app."

#15

Venmo

3.2

(5)

"Is a great Costco and grocery card."

"3% - Walmart/Costco/Grocery Stores."

"Gives 3%."

"Could give you 3% Cashback if ur open to synchrony"

"No FTF, has wide categories like utilities."

#16

Kroger

4.3

(3)

"Kroger owned grocery stores offer a credit card that gives 5% cash back."

"5% with mobile wallet anywhere and 5% with the Kroger pay."

"5% mobile payments up to 3k a year."

#17

Axis

4.0

5.0

(1)

"Has been great at 4.5% off any tap to pay."

#26

Mashreq

5.0

(1)

"5% unlimited Cashback on dining."

#27

Greenstate

5.0

(1)

"5% cb on airlines + hotel."

#28

3.0

(1)

"Hyperjar 1% on all spending up to £500 and 1.5% on spending above £500."

#45

COQ

3.0

(1)

"I use my COQ for all utilities. 1.5% cash back."

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