Cashback Card reviews from Reddit
Summary
We analyzed 238 Reddit reviews across 10 subreddits and 69 posts to rank the best Cashback Card brands recommended by redditors, including communities like r/CreditCards, r/CreditCardsIndia, r/PersonalFinanceCanada, r/UAEcreditcards, r/personalfinance. Top-rated brands include Citi (4.5/5), Wells Fargo (4.0/5), Bank of America (4.3/5).
Stats
Reviews238
Subreddits10
Posts69
Brands60
Products92
238 reviews from
and
By Brand
/By Product
#1
Citi
4.5
(36)
"The Custom Cash is super underrated. I get 5% on streaming automatically because it’s my top spend, and I don’t even have to track it."
"Citi Custom Cash Card, 5% cashback alone or 5.555...% cashback when paired with the Citi Rewards+ Card."
"Citi Custom Cash Mastercard by itself earns 5x up to $500/mo on gas anywhere and supports mobile wallets"
"Citi Costco Anywhere Visa earn 5x at Costco pumps only and 4x up to $7k/yr on gas anywhere and supports mobile wallets"
"I have both the Citi Costco and the Sam's Club Mastercard for 5% cashback anywhere."
"Citi Costco anywhere! 5% at Costco and 4% everywhere else."
"Citi Custom Cash. 5% on specific categories up to 500 a month. Gas is one of the categories."
"Citi costco anywhere 5% gas"
"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."
#2
Wells Fargo
4.0
(22)
"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."
"I started with the Wells Fargo Active Cash too and then added the Citi Custom Cash for dining since that’s where I spend the most."
"Wells fargo autograph or autograph journey"
"Wells Fargo Autograph Card for 3% at gas stations"
"You could consider WF Active Cash or C1 Savor."
"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."
#3
Bank of America
4.3
(16)
"BofA has their increase from being in Platinum Honors tier which gets their 1.5% card to 2.625% I believe."
"I use a bank of america custom cash rewards card set to 3% back on online purchases."
"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."
"The best card I have found is the Bank of America Premium Rewards."
"Some good cash back travel cards that I’ve found to check out… BofA Premium Rewards."
#4
US Bank
4.1
(15)
"Mobile pay (apple/google/samsung) gets 3% cash back."
"US Bank Cash Plus at 5% if you select the Utilities category."
"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."
"Another card you might want to consider is the US Bank Shopper Cash Rewards, which allows you to choose two stores."
"I use it for utilities personally."
#5
American Express
4.1
(12)
"Best would be 6% using blue cash preferred."
"6% up to 6k/year then 1%."
"I’d recommend both, as they work well together."
"You might want to get the amex bcp instead."
"Amex BCE gives 3% at Online Retail, which can be used at Walmart's website."
"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."
#6
AAA
4.9
(8)
"5% cash back on gas and EV charging."
"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."
"I think the best is the AAA Travel Advantage. 5% back on gas and EV charging."
"Perhaps AAA Daily Advantage Visa Credit Card?"
#7
SBI
4.8
(6)
"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%."
#8
Rogers
4.1
(7)
"Rogers WE is still the best even if you're not a Rogers customer. 1.5% cash back on everything is very high and is unheard of on a $0 annual fee card."
"If no fee then yes the rogers one…since you spend 56k then you will probably qualify for the world elite."
"Rogers for everything else"
"If you have Fido/Rogers/Shaw then Rogers WE MasterCard is the best cashback (3x redeem on those services) card."
"Rogers WE is the best if you’re a Rogers, Fido, Shaw customer"
"Rogers if you have a Fido Rogers or Shaw plan gives 3%"
"Rogers World Elite is 2% cashback on all purchases (3% if you use the cashback to pay your Rogers or Fido bill with the cashback)"
#9
Yes Bank
4.0
(7)
"Kiwi yes bank card for scan and pay. One of the best."
"Kiwi is better because it will give flat 1.5% cashback without neon subscription"
"Yes bank ace credit card thru kredit.pe app which gives flat 2% cashback for every 100 spent."
"Cashback. Need to use UPI through kredit.pe app. For every ₹50 you get ₹1 cashback."
"Yes bank Ace credit card( only apply through kredit.pe app) - gives you flat 2% cashback."
"Kiwi yes bank 1.5% base cashback and 2% with neon subscription"
"Kiwi, Airtel Axis Rupay or Tata neu infinity"
#10
PayPal
3.9
(7)
"PayPal's debit card offers gas as one of their categories. 5% back each month for up to $1000 in spending."
"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."
"I landed on the PayPal Mastercard because I do a lot of online shopping and can score 3%."
#11
Fidelity
3.8
(6)
"It’s great."
"Fidelity Visa, 2% CB."
"Fidelity would be the best catch all Visa, as they got rid of FTF."
"I’d do Fidelity Visa and get the sign up bonus plus 2 percent in everything."
"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
Target
5.0
(4)
"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."
#13
Chase
3.8
(5)
"Chase Freedom Unlimited appears to offer 3%."
"Right now I'm using my Chase Freedom for 5% back on dining."
"For Q4 Chase Freedoms are 5x up to $1500 at Costco."
"Chase Freedom Unlimited for me is worth considering too."
"You might want to check your freedom unlimited. It has 3% back on groceries."
#14
Amex
4.3
(4)
"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."
"3% if you use Walmart pay through the app."
#15
Capital One
4.3
(4)
"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."
#16
Axis
4.0
(4)
"Axis liberty account gives 5% cashback on a wide range of MCC codes (it's listed on their website)"
"Axis ACE and HSBC Live+ gives 1.5% for offline spends."
"1. Axis Ace"
"The best ones I can think of rn are Axis Ace or HSBC Live+, they give 1.5% on offline spends."
#17
Tata Neu
4.0
(4)
"Yeah, the Tata Neu Infinity card does offer 5% cashback, but the ₹1499 annual fee is a bit of a deterrent."
"Tata Neu Infinity gives 5% cashback on utilities"
"Tata neu infinity could be good for 10% on zomato, 5% on bill pay/recharges etc"
"Tata neu infinity 1.5% as neu coins."
#18
HSBC
3.8
(4)
"For offline spending, HSBC Live+ is the best card. 10% Cash Back on Groceries and Dining."
"HSBC Live+ (999+GST) or Axis Ace (499+GST) are the best options with 1.5% CB."
"HSBC Cash+ have 1% cash back with no limit."
"A 0% purchase card (such as HSBC (18 month)) can work out much better than a cashback card."
#19
Venmo
3.3
(4)
"Is a great Costco and grocery card."
"3% - Walmart/Costco/Grocery Stores."
"Could give you 3% Cashback if ur open to synchrony"
"No FTF, has wide categories like utilities."
#20
Kroger
4.3
(3)
"Anyone check out or have the Kroger/Ralph’s us bank card with 5% back on mobile wallet purchases?"
"5% with mobile wallet anywhere and 5% with the Kroger pay."
"5% mobile payments up to 3k a year."
#21
SIB
4.3
(3)
"SIB is basically 10% cashback on retail spending."
"I tried purchasing tickets on flydubai website and got the 10% cashback."
"Better off get SIB cashback card and get 10% cashback on flight tickets"
#22
EastWest
4.0
(3)
"Eastwest visa platinum 8.88% for shopping,utility bills,dining - not waivable annual fee pero sulit pa din ,maximum 1250 cashback per month ,in 1 year 15k ,3600 lang annual fee malaki pa din maipon"
"My personal option is the EWB Visa Plat since mas mataas ang cashback."
"Or eastwest plat visa. check mo perks nila sa sites."
#23
Sam's Club
5.0
(2)
"Sam’s (Synchrony) MasterCard gives you 5% back on all gas/EV charging-not just at their own pumps."
"Sam’s Club Mastercard 5x up to $6k/y"
#24
Alliant
5.0
(2)
"Alliant Visa Signature - 2.5% Everything."
"**Alliant Visa Signature**
2.5% everything, need to keep $1k in bank, plus electronic deposit 1/month"
#25
USAA
5.0
(2)
"USAA Rewards American Express credit card for 5% cash back at gas stations."
"USAA Cashback Rewards Plus Amex also has 5% back on gas."
#26
ENBD
4.5
(2)
"ENBD DUO CASH BACK CARD will be the best option for you, FREE FOR LIFE WITH 5% CASH BACK ON UTILITIES INCLUDING DEWA, DU ETISALAT , FUEL, GROCERIES, EDUCATION AND ELECTRONICS WITH 500 AED CASH BACK CAP PER MONTH."
"If you have 5k worth of bills, go for ENBD Duo"
#27
Verizon
4.5
(2)
"Get Verizon Visa Card 4% in Groceries with no cap is the best option."
"The Verizon VISA gives 4% for groceries."
#28
Kiwi
4.5
(2)
"Kiwi is probably the best Rupay card right now. 2% cashback on almost all transactions and upto 5 percent based on milestones."
"Kiwi gives base 2% with neon and 1.5% without neon. And 3,4and 5% on reaching milestones with neon subscription."
#29
Adib
4.5
(2)
"Get a combo of Adib cashback, sib cashback and Ajman cashback card."
"ADIB Cashback is a good card, If you're interested please DM, I can help you if you have any doubts."
#30
Discover
4.5
(2)
"Discover? Cash back match 1st year?"
"Discover has rotating categories, usually ill use this when i hit my limit on amex for cashback on groceries."
#31
PNC
4.0
(2)
"PNC Cash Rewards Card for 4% at gas stations"
"I use PNC cash rewards, it’s 4% on gas"
#32
Emirates Islamic
4.0
(2)
"10% cashback capped at AED 100 per month."
"Has a very SIMPLE point accumulation system."
#33
ADIB
4.0
(2)
"Adib cash back card giving 4% without minimum spend criteria"
"ADIB cashback card. Comes with 99 dirham annual fees and gives 4 percent on whatever categories you have mentioned"
#34
BPI
4.0
(2)
"BPI Amore Cashback :)"
"Then Bpi amore for groceries - waivable annual fee, 4% cashback pero minimum 1k spend"
#35
Liberty
3.5
(2)
"5% on both online and offline transactions(check t&c for the entire list of MCC)"
"Liberty card gives instatnt discount or in bank account"
#36
Scotiabank
3.5
(2)
"Promos right now for 10% cashback up to $2000 purchases ($200 cashback) going on with Scotia momentum Visa infinite."
"Scotia momentum VI but just for rent."
#37
CIBC
3.5
(2)
"CIBC dividend VI for gas and groceries"
"CIBC Visa Aventura Infinite Privilege Card. To avoid paying 499 annually, you need to open CIBC Smart Plus account maintain the required monthly cheq balance or pay 29.95."
#38
Wealthsimple
3.5
(2)
"The Wealthsimple Visa Infinite will be 2% cash back everywhere with a $10/month fee."
"Wealthsimple cash card"
#39
BMO
5.0
(1)
"BMO cashback world elite master card. First year waived and 10% cash back on first 2600 spend."
#40
Comenity
5.0
(1)
"5% gas/charging, 3% travel, 3% restaurants, 3% grocery, 3% AAA purchases, 1% catch-all"
#41
Abound Credit Union
5.0
(1)
"I got the Abound Credit Union card and its 5% back."
#42
Hilal Bank
5.0
(1)
"Hilal Bank Cashback card is the best."
#43
Tangerine Mastercard
4.0
(1)
"Tangerine Mastercard gives 2% at Walmart"
#44
Citi, Wells Fargo, Fidelity
4.0
(1)
"There's a ton of 2% cards out there - citi, wells Fargo, fidelity - if you don't have one already."
#45
Simplii
4.0
(1)
"Simplii for dining"
#46
Airtel
4.0
(1)
"Airtel axis obviously, 10%."
#47
SecBank
4.0
(1)
"I use SecBank Cashback with 5% for grocery, 4% on gas, 3% on utilities, 2% on dining, and 1% on shopping."
#48
TD
4.0
(1)
"TD First Class Travel® Visa Infinite is probably a good option."
#49
Scapia
4.0
(1)
"Scapia RuPay gives flat 5% on UPI spends."
#50
Alliant CU
4.0
(1)
"Alliant CU Visa Signature"
#51
Liv+
4.0
(1)
"Liv+ spend above 15k earn u 4% cash back up to 1500 Dhs"
#52
Scotia, BMO
4.0
(1)
"I am weighing between Scotia momentum visa infinite vs BMO cashback we."
#53
Amore
4.0
(1)
"With Amore Cashback (4%, 1% and 0.3%), you get 40, 10 and 3 pesos cashback."
#54
Mashreq
4.0
(1)
"Mashreq cashback"
#55
CBD
4.0
(1)
"Have a look at CBD super saver and HSBC cashback."
#56
Desjardins
3.0
(1)
"The Desjardins Odyssey Visa Infinite has 1.5% on everything plus category bonuses, but the annual fee is $395 and minimum income requirement is $150k annually."
#57
Amex, Scotia
3.0
(1)
"Amex simply cash preferred or scotia momentum visa infinite"
#58
IndMoney
3.0
(1)
"IndMoney is giving 1% cashback upto 1000 on the first payment"
#59
Airtel Axis
3.0
(1)
"Airtel axis rupay 1%"
#60
BOB
3.0
(1)
"BOB snapdeal rupay 1% cashback"
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