{
  "canary": "452750b3875e1443",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Rewards",
        "key": "cash_back_rate_general",
        "label": "Cash Back Rate (General)",
        "poids": 5,
        "primary": true,
        "sens": "plus_haut_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Rewards",
        "key": "cash_back_rate_specific",
        "label": "Cash Back Rate (Specific Categories)",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Rewards",
        "key": "intro_bonus",
        "label": "Introductory Bonus",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Rewards",
        "key": "sign_up_bonus_requirements",
        "label": "Sign-up Bonus Requirements",
        "poids": 2,
        "sens": "neutre",
        "type": "texte"
      },
      {
        "group": "Rewards",
        "key": "redemption_options",
        "label": "Redemption Options",
        "poids": 2,
        "sens": "neutre",
        "type": "texte"
      },
      {
        "group": "Fees",
        "key": "annual_fee",
        "label": "Annual Fee",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Fees",
        "key": "foreign_transaction_fee",
        "label": "Foreign Transaction Fee",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Fees",
        "key": "purchase_apr",
        "label": "Purchase APR",
        "poids": 2,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Fees",
        "key": "balance_transfer_apr",
        "label": "Balance Transfer APR",
        "poids": 1,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Benefits",
        "key": "cardholder_benefits",
        "label": "Cardholder Benefits",
        "poids": 2,
        "sens": "neutre",
        "type": "texte"
      },
      {
        "group": "General",
        "key": "issuer",
        "label": "Issuer",
        "poids": 1,
        "sens": "neutre",
        "type": "texte"
      }
    ],
    "faq": [
      {
        "a": "The top cash back credit cards in 2026 include the Chase Freedom Unlimited® and the Wells Fargo Active Cash® Card, based on their cash back rates, bonuses, and redemption options.",
        "q": "What are the best cash back credit cards to get in 2026?"
      },
      {
        "a": "Consider cards like the Chase Freedom Unlimited® for its strong general cash back rate and bonus categories, or the Wells Fargo Active Cash® Card for its straightforward unlimited cash back.",
        "q": "How do I choose the best cash back credit card for my spending?"
      },
      {
        "a": "Many top cash back cards, including options like the Wells Fargo Active Cash® Card, offer excellent rewards without an annual fee, making them cost-effective choices.",
        "q": "Are there any cash back credit cards with no annual fee?"
      },
      {
        "a": "Our ranking is based on a neutral, data-driven approach, evaluating each card's cash back rate, introductory offers, redemption flexibility, and annual fees, with all data sourced from official card information.",
        "q": "How is your cash back credit card ranking determined?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 3172,
    "neutral": false,
    "path": [
      "finance",
      "credit-cards",
      "cash-back-credit-cards"
    ],
    "price_key": "annual_fee",
    "profile_questions": [
      {
        "options": [
          "Groceries & Gas",
          "Dining & Entertainment",
          "General Purchases",
          "Rotating Categories"
        ],
        "q": "Spending habits?"
      },
      {
        "options": [
          "Excellent (750+)",
          "Good (670-749)",
          "Fair (580-669)"
        ],
        "q": "Credit score range?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "Best travel rewards credit cards",
      "Best balance transfer credit cards",
      "Best rewards credit cards for groceries",
      "Compare credit card annual fees"
    ],
    "synthese": [
      "This comparison of 8 cash back credit cards across 11 criteria, including cash back rates for general and specific categories, introductory bonus, sign-up bonus requirements, redemption options, and annual fee, places the Chase Freedom Unlimited® first with a score of 69/100, largely due to its perfect scores in introductory bonus and purchase APR, while the Wells Fargo Active Cash® Card ranks second with 54/100, excelling in the general cash back rate. The Chase Freedom Unlimited® is also identified as the most affordable option, with sourced data available for 5 out of the 8 options, and the remaining values presented as flagged estimates.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best Cash Back Credit Cards",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 10.6,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "cheapest"
      ],
      "best_for": "Best for flat-rate business cash back",
      "cons": [
        "High spend to receive sign-up bonus.",
        "No conversion to Chase points without holding the Chase Sapphire Reserve or Chase Sapphire Preferred"
      ],
      "description": "Earn unlimited 1.5% cash back on every purchase made for your business.",
      "link_url": "https://chase.com/",
      "logo_dom": "chase.com",
      "logo_url": "https://unavatar.io/chase.com?fallback=false",
      "name": "Chase Freedom Unlimited®",
      "pros": [
        "No annual fee.",
        "A generous welcome bonus."
      ],
      "provider": "Chase",
      "rating": 4.0,
      "score": 69.0,
      "source_url": "https://thepointsguy.com/credit-cards/cash-back/",
      "subscores": {
        "balance_transfer_apr": 84.0,
        "cash_back_rate_general": 50.0,
        "cash_back_rate_specific": 50.0,
        "intro_bonus": 100.0,
        "purchase_apr": 100.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_apr": 20.49,
        "cardholder_benefits": "Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control. Round-the-clock monitoring for unusual credit card purchases. With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information. 0% introductory APR for 12 months on purchases. Earn 5% total cash back on Lyft rides through 9/30/27.",
        "cash_back_rate_general": 1.5,
        "cash_back_rate_specific": 3.0,
        "foreign_transaction_fee": 0.0,
        "intro_bonus": 1000,
        "issuer": "Chase",
        "purchase_apr": 16.74,
        "redemption_options": "cash back, gift cards, travel and more through Chase Ultimate Rewards®",
        "sign_up_bonus_requirements": "spend $8,000 on purchases in the first 4 months from account opening"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Best for simple cash-back",
      "cons": [],
      "description": "Best for simple cash-back.",
      "link_url": "https://wellsfargo.com/",
      "logo_dom": "wells.com",
      "logo_url": "https://unavatar.io/wells.com?fallback=false",
      "name": "Wells Fargo Active Cash® Card",
      "pros": [],
      "provider": "Wells Fargo",
      "score": 54.0,
      "source_url": "https://thepointsguy.com/credit-cards/cash-back/",
      "subscores": {
        "balance_transfer_apr": 85.0,
        "cash_back_rate_general": 100.0,
        "intro_bonus": 20.0,
        "purchase_apr": 83.0
      },
      "values": {
        "annual_fee": 0.0,
        "balance_transfer_apr": 20.24,
        "cardholder_benefits": "Cell phone protection, zero fraud liability.",
        "cash_back_rate_general": 2.0,
        "cash_back_rate_specific": null,
        "foreign_transaction_fee": 0.0,
        "intro_bonus": 200.0,
        "issuer": "Wells Fargo",
        "purchase_apr": 20.24,
        "redemption_options": "Statement credits, direct deposit, checks.",
        "sign_up_bonus_requirements": "Earn $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months."
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Best for balance transfers",
      "cons": [],
      "description": "Best for balance transfers.",
      "link_url": "https://citi.com/",
      "logo_dom": "citi.com",
      "logo_url": "https://unavatar.io/citi.com?fallback=false",
      "name": "Citi® Double Cash Card",
      "pros": [],
      "provider": "Citi",
      "score": 51.0,
      "source_url": "https://thepointsguy.com/credit-cards/cash-back/",
      "subscores": {
        "balance_transfer_apr": 90.0,
        "cash_back_rate_general": 100.0,
        "purchase_apr": 87.0
      },
      "values": {
        "annual_fee": 0.0,
        "balance_transfer_apr": 19.24,
        "cardholder_benefits": "Citi Entertainment, zero fraud liability.",
        "cash_back_rate_general": 2.0,
        "cash_back_rate_specific": null,
        "foreign_transaction_fee": 0.0,
        "intro_bonus": null,
        "issuer": "Citi",
        "purchase_apr": 19.24,
        "redemption_options": "Statement credits, direct deposit, checks.",
        "sign_up_bonus_requirements": null
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Best for gas and supermarkets",
      "cons": [],
      "description": "One of the best cash-back credit cards on the market, offering a great return across a wide range of bonus categories.",
      "link_url": "https://americanexpress.com/",
      "logo_dom": "american.com",
      "logo_url": "https://unavatar.io/american.com?fallback=false",
      "name": "Blue Cash Preferred® Card from American Express",
      "pros": [
        "This card has one of the best earning structures out for among cash-back credit cards.",
        "The card comes with access to Amex Offers"
      ],
      "provider": "American Express",
      "rating": 4.0,
      "score": 49.0,
      "source_url": "https://thepointsguy.com/credit-cards/cash-back/",
      "subscores": {
        "balance_transfer_apr": 80.0,
        "cash_back_rate_general": 0.0,
        "cash_back_rate_specific": 100.0,
        "intro_bonus": 30.0,
        "purchase_apr": 86.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_apr": 21.49,
        "cardholder_benefits": "Purchase protection, extended warranty, baggage insurance plan.",
        "cash_back_rate_general": 1,
        "cash_back_rate_specific": 6,
        "foreign_transaction_fee": 0.0,
        "intro_bonus": 300,
        "issuer": "American Express",
        "purchase_apr": 19.49,
        "redemption_options": "statement credit or at Amazon.com checkout",
        "sign_up_bonus_requirements": "spending $3,000 in purchases on your new Card in the first 6 months"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, and when you pay with PayPal, up to the quarterly maximum when you activate.",
      "estimated": true,
      "link_url": "https://www.discovercard.com/",
      "logo_dom": "discover.com",
      "logo_url": "https://unavatar.io/discover.com?fallback=false",
      "name": "Discover it® Cash Back",
      "provider": "Discover",
      "score": 42.0,
      "source_url": "https://www.discovercard.com/application/description?prodCode=DISCITE",
      "subscores": {
        "balance_transfer_apr": 100.0,
        "cash_back_rate_general": 0.0,
        "cash_back_rate_specific": 83.0,
        "purchase_apr": 97.0
      },
      "values": {
        "annual_fee": 0.0,
        "balance_transfer_apr": 17.24,
        "cardholder_benefits": "Free FICO® Scores, purchase protection, extended product warranty.",
        "cash_back_rate_general": 1.0,
        "cash_back_rate_specific": 5.0,
        "foreign_transaction_fee": 0.0,
        "intro_bonus": null,
        "issuer": "Discover",
        "purchase_apr": 17.24,
        "redemption_options": "Statement credits, direct deposit, checks, gift cards.",
        "sign_up_bonus_requirements": "Unlimited Cashback Match™ - Discover matches all the cash back you’ve earned at the end of your first year."
      }
    },
    {
      "badges": [],
      "best_for": "Best for entertainment cash back",
      "cons": [],
      "description": "Best for entertainment cash back.",
      "link_url": "https://capitalone.com/",
      "logo_dom": "capital.com",
      "logo_url": "https://unavatar.io/capital.com?fallback=false",
      "name": "Capital One Quicksilver Cash Rewards Credit Card",
      "pros": [],
      "provider": "Capital One",
      "score": 38.0,
      "source_url": "https://thepointsguy.com/credit-cards/cash-back/",
      "subscores": {
        "balance_transfer_apr": 86.0,
        "cash_back_rate_general": 50.0,
        "intro_bonus": 20.0,
        "purchase_apr": 84.0
      },
      "values": {
        "annual_fee": 0.0,
        "balance_transfer_apr": 19.99,
        "cardholder_benefits": "Travel accident insurance, extended warranty, 24-hour roadside assistance.",
        "cash_back_rate_general": 1.5,
        "cash_back_rate_specific": null,
        "foreign_transaction_fee": 0.0,
        "intro_bonus": 200.0,
        "issuer": "Capital One",
        "purchase_apr": 19.99,
        "redemption_options": "Statement credits, direct deposit, checks.",
        "sign_up_bonus_requirements": "Spend $500 on purchases within the first 3 months of account opening."
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Earns 4% cash back on dining, 3% on travel, 2% on online purchases, and 1% on all other purchases.",
      "estimated": true,
      "link_url": "https://barclays.com/",
      "logo_dom": "barclays.com",
      "logo_url": "https://unavatar.io/barclays.com?fallback=false",
      "name": "Uber Visa Card",
      "provider": "Barclays",
      "score": 37.0,
      "source_url": "https://www.thepointsguy.com/credit-cards/uber-visa-card/",
      "subscores": {
        "balance_transfer_apr": 97.0,
        "cash_back_rate_general": 0.0,
        "cash_back_rate_specific": 67.0,
        "purchase_apr": 94.0
      },
      "values": {
        "annual_fee": 0.0,
        "balance_transfer_apr": 17.74,
        "cardholder_benefits": "Purchase protection, cell phone protection, no foreign transaction fees.",
        "cash_back_rate_general": 1.0,
        "cash_back_rate_specific": 4.0,
        "foreign_transaction_fee": 0.0,
        "intro_bonus": null,
        "issuer": "Barclays",
        "purchase_apr": 17.74,
        "redemption_options": "Uber credits, statement credits, gift cards.",
        "sign_up_bonus_requirements": "No sign-up bonus currently advertised."
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Earns 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases.",
      "estimated": true,
      "link_url": "https://www.bankofamerica.com/",
      "logo_dom": "bank.com",
      "logo_url": "https://unavatar.io/bank.com?fallback=false",
      "name": "Bank of America® Customized Cash Rewards credit card",
      "provider": "Bank of America",
      "score": 34.0,
      "source_url": "https://www.bankofamerica.com/credit-cards/products/customized-cash-rewards-credit-card/",
      "subscores": {
        "balance_transfer_apr": 86.0,
        "cash_back_rate_general": 0.0,
        "cash_back_rate_specific": 50.0,
        "intro_bonus": 20.0,
        "purchase_apr": 84.0
      },
      "values": {
        "annual_fee": 0.0,
        "balance_transfer_apr": 19.99,
        "cardholder_benefits": "Zero fraud liability, $0 liability for unauthorized transactions.",
        "cash_back_rate_general": 1.0,
        "cash_back_rate_specific": 3.0,
        "foreign_transaction_fee": 0.0,
        "intro_bonus": 200.0,
        "issuer": "Bank of America",
        "purchase_apr": 19.99,
        "redemption_options": "Statement credits, direct deposit, checks.",
        "sign_up_bonus_requirements": "Earn $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months."
      },
      "verified": false
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-cash-back-credit-cards.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best cash back credit cards",
  "source": "CompareFairly",
  "title": "Best Cash Back Credit Cards",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-cash-back-credit-cards"
}