Best Cash Back Credit Cards Of July 2025

In a world where every penny counts, cash back credit cards offer an exciting way to earn rewards on your everyday spending. With detailed comparisons of cash back rates, annual fees, introductory offers, and additional perks, our guide simplifies your search for the card that aligns perfectly with your financial goals. Start turning your expenses into rewards today with the top cash back credit cards on the market.

Balance Transfer Credit Cards

Citi Custom Cash℠ Card

Get 0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness. Balance Transfers must be completed within 4 months of account opening.

Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent.

Earn 1% cash back thereafter on all other purchases

Citi Custom Cash℠ Card

Cash Back

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

💳 Citi Custom Cash® Card – Summary

💰 Rewards:

  • 5% cash back on your top eligible spending category each billing cycle (up to $500 in purchases)
  • 1% cash back on all other purchases
  • Special Travel Offer: +4% bonus on hotels, car rentals, and attractions via Citi Travel℠ (through 6/30/2026)

🎁 Welcome Bonus:
$200 cash back after spending $1,500 within the first 6 months

✅ Other Benefits:

  • $0 annual fee
  • $0 liability on unauthorized charges

📈 Interest Rates

TypeAPR
Purchases0% intro for 15 months, then 18.24%–28.24% (variable)
Balance Transfers0% intro for 15 months (transfers within 4 months), then 18.24%–28.24% (variable)
Cash Advances29.49% (variable)
Citi Flex Plan18.24%–28.24% (variable)
Penalty APRUp to 29.99% (may apply indefinitely for late/returned payments)
Minimum Interest Charge$0.50 (if charged)

💵 Fees

TypeAmount
Annual Fee$0
Balance Transfer FeeGreater of $5 or 5% per transfer
Cash Advance FeeGreater of $10 or 5% per advance
Foreign Transaction Fee3% of each transaction (in USD)
Citi Flex Plan FeeUp to 1.72% monthly (fixed charge based on plan details)

⚠️ Penalty Fees

Late PaymentUp to $41
Returned PaymentUp to $41

ℹ️ Other Notes

  • Grace Period: At least 23 days to avoid interest if full balance (excluding Citi Flex Plan) is paid plus monthly Flex Plan payment
  • Penalty APR may apply indefinitely after a late or returned payment

Bank of America® Customized Cash Rewards credit card

Low Intro APRon purchases and qualifying balance transfers for 15 billing cycles

Earn 3% cash backin the category of your choice

Bank of America® Customized Cash Rewards credit card

Reward Bonus

$200

Annual Fee

$0

Regular APR

18.24%–28.24%

Credit Score

Excellent, Good (700 – 749)

💳 Bank of America® Customized Cash Rewards Card – Summary

🎁 Welcome Bonus:
$200 online cash rewards bonus after spending $1,000 in the first 90 days

💵 Cash Back Rewards:

  • 3% cash back in a category of your choice (e.g., gas, online shopping, dining, etc.)
  • Additional tiers apply (not listed here, but commonly include 2% at grocery stores & wholesale clubs, 1% on other purchases)
  • No annual fee and no enrollment required for rotating categories

🕒 Intro APR:

  • 0% Intro APR for 15 billing cycles on:
    • Purchases
    • Balance transfers (made within 60 days)
  • After that: 18.24%–28.24% variable APR (based on credit)

📈 Interest Rates

CategoryAPR
Purchases0% intro for 15 billing cycles, then 18.24%–28.24%
Balance Transfers0% intro for 15 billing cycles (within 60 days), then 18.24%–28.24%
Cash Advances (Direct Deposit/Check)21.24%–28.24% variable
Cash Advances (ATM/Other)28.24% variable
Penalty APRUp to 29.99% (may apply indefinitely after a late payment)
Minimum Interest ChargeNot specified (usually applies if any interest is charged)

💵 Fees

TypeAmount
Annual Fee$0
Balance Transfer Fee3% for 60 days, then 4%
Cash Advance Fee4% for direct deposit/checks; 5% for ATM/other methods
Foreign Transaction Fee3% of the transaction (in USD)
Custom Pay Plan Fee1.72% of the purchase amount moved to a plan (monthly fixed fee)

⚠️ Penalty Fees

Late PaymentUp to $40

ℹ️ Other Notes

  • Due Date: At least 25 days after billing cycle ends
  • No interest on purchases if full balance or Interest Saving Balance is paid by due date
  • Interest starts immediately on balance transfers and cash advances

Wells Fargo Active Cash® Card

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 19.24%, 24.24% or 29.24%. Balance transfers made within 120 days from account opening qualify for the intro rate and fee.

Earn unlimited 2% cash rewards on purchases with no categories to track or quarterly activations

Wells Fargo Active Cash® Card

Reward Bonus

$200

Annual Fee

$0

Regular APR

19.24%, 24.24% or 29.24%

Credit Score

Excellent, Good (700 – 749)

💳 Wells Fargo Active Cash® Card – Summary

💰 Rewards:

  • Unlimited 2% cash rewards on all purchases — no categories, no caps, no activations
  • $200 cash rewards bonus after spending $500 in the first 3 months

✅ Extra Perks:

  • $0 annual fee
  • No rotating categories or tracking required

🕒 Intro APR Offer:

  • 0% intro APR for 12 months on purchases and balance transfers
    (Balance transfers must be made within 120 days of account opening)
  • After that: 19.24%, 24.24%, or 29.24% variable APR based on creditworthiness

📈 Interest Rates

TypeAPR
Purchases0% intro for 12 months, then 19.24%–29.24% (variable)
Balance Transfers0% intro for 12 months (within 120 days), then 19.24%–29.24%
Cash Advances29.99% (variable)
Overdraft Protection29.99% (variable)
Minimum Interest Charge$1.00 (if charged)

💵 Fees

TypeAmount
Annual Fee$0
Balance Transfer Fee3% (min $5) for 120 days, then up to 5% (min $5)
Cash Advance FeeGreater of $10 or 5% per advance
Foreign Transaction Fee3% of each transaction (converted to USD)

⚠️ Penalty Fees

Late PaymentUp to $40

ℹ️ Other Notes

  • You may not be eligible for intro APRs or bonus rewards if you’ve had a Wells Fargo Active Cash® Card in the last 48 months.
  • To avoid interest, pay your full balance by the due date (at least 25 days after billing period ends).

Savor Rewards Credit Card from Capital One

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Savor Rewards Credit Card from Capital One

Welcome Bonus

$200

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent (700 – 749)

💳 Capital One Savor Rewards Credit Card – Summary

🎁 Welcome Bonus:

  • Earn $200 as a one-time bonus after spending $500 within the first 3 months

💰 Cash Back Rewards

CategoryCash Back
Hotels & rental cars (via Capital One Travel)5% unlimited
Dining, entertainment, grocery stores, streaming services3% unlimited
All other purchases1% unlimited

✅ No expiration on rewards as long as your account remains open
🌍 No foreign transaction fees

📈 Intro APR Offer

TypeIntro APRStandard APR
Purchases0% for 12 months19.24% – 29.24% (variable)
Balance Transfers0% for 12 months19.24% – 29.24% (variable)

💡 Balance Transfer Fee: 3% (first 12 months), then 4% at promotional APRs; $0 fee for transfers at regular Purchase APR after 12 months

💵 Fees

TypeAmount
Annual Fee$0
Cash Advance FeeGreater of $5 or 5% per transaction
Balance Transfer Fee3% (first 12 months), 4% after (if at promo APR); None otherwise
Foreign Transaction FeeNone
Late Payment FeeUp to $40

📊 Interest Rates

CategoryAPR
Purchases & Transfers19.24% – 29.24% (variable after intro period)
Cash Advances29.24% (variable)
Minimum Interest ChargeNot specified

✅ Why It’s a Solid Choice

  • Great for entertainment, food, and travel
  • No annual fee, intro APR, and high cashback on everyday spending
  • Rewards are simple and don’t expire

Chase Freedom Unlimited® Card

Plus Rewards: 5% on gas & grocery; 5% on travel ; 3% on dining; 3% 0n drugstore; 1.5% on all other purchases .

Chase Freedom Unlimited® Card

Welcome Bonus

$200

Annual Fee

$0

Regular APR

18.99% – 28.49%

Credit Score

Excellent, Good (700 – 749)

💳 Chase Freedom Unlimited® – Summary

🎁 Welcome Bonus:

  • $200 bonus after spending $500 on purchases in the first 3 months

💰 Rewards Structure

CategoryCash Back Rate
Travel via Chase Travel5%
Dining (including takeout)3%
Drugstores3%
All other purchases1.5% unlimited cash back
  • Cash back rewards never expire
  • No minimum redemption amount

📈 Intro APR Offer

TypeIntro APRStandard APR
Purchases0% for 15 months18.99% – 28.49% (variable)
Balance Transfers0% for 15 months18.99% – 28.49% (variable)

💡 Balance Transfer Fee: $5 or 3% (within 60 days), then $5 or 5% of each transfer

💵 Fees

TypeAmount
Annual Fee$0
Cash Advance FeeGreater of $10 or 5% per advance
Foreign Transaction Fee3% of each transaction in U.S. dollars
Late Payment FeeUp to $40
Returned Payment FeeUp to $40
Over-the-Credit-Limit FeeNone
Chase Pay Over Time Fee0% during intro period, then up to 1.72% of each plan balance

📊 Interest Rates

CategoryAPR
Purchases & Transfers18.99% – 28.49% (variable) after intro period
Cash Advances29.24% (variable)
Penalty APRUp to 29.99% (may apply indefinitely for late/returned payments)
Minimum Interest ChargeNone

✅ Why It’s a Great Pick

  • Flat 1.5% cash back on everything + bonus rates on top categories
  • Ideal for everyday spending and starter travel rewards
  • No annual fee and long intro APR period for purchases and transfers

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
1.5% cash back on all other eligible purchases

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Welcome Bonus

$250

Annual Fee

$0 first year, after $95

Regular APR

18.74% – 28.74%

Credit Score

Excellent, Good (700 – 749)

💳 Shopper Cash Rewards Visa Signature® Card – Summary

🎁 Welcome Bonus:

  • Earn $250 after spending $2,000 in eligible purchases within the first 120 days

🛍️ Cashback Rewards

CategoryCash Back
Two chosen retailers (quarterly)6% on first $1,500/quarter combined
One chosen everyday category (quarterly)3% on first $1,500/quarter
All other purchases1.5% unlimited
Travel booked through Rewards Center (prepaid hotels & cars)5.5%

💡 Choose new 6% and 3% categories each quarter. Earnings reset every 3 months.

📈 Interest Rates

TypeAPR
Purchases18.74% – 28.74% (variable, based on creditworthiness)
Balance Transfers18.74% – 28.74% (variable)
Cash Advances31.24% (variable)
Penalty APRNone
Minimum Interest Charge$1.00 (if interest applies)

💵 Fees

TypeAmount
Annual Fee$0 for first 12 months, then $95 per year
Balance Transfer FeeGreater of 3% or $5 per transfer
Cash Advance Fee (Check/ATM/Other)3% or 5% (min $5–$10), depending on method
Foreign Transaction Fee3% of each transaction in U.S. dollars
ExtendPay® Plan FeeMonthly fee up to 1.6% of original amount (disclosed upon enrollment)

⚠️ Penalty Fees

Late PaymentUp to $41
Returned PaymentUp to $41
OverlimitNone

✅ Why This Card Stands Out

  • 6% back at retailers you choose
  • Great for shoppers who want customizable categories
  • Includes U.S. Bank ExtendPay® Plan for installment payment options