In 2025, selecting the right cashback credit card can significantly enhance your purchasing power by returning a portion of your expenditures. Below is a curated list of the top 10 cashback credit cards available, highlighting their key features to help you make an informed decision.
1. Chase Freedom Unlimited®
- Cashback Rates:
- 1.5% on all purchases.
- 5% on travel purchased through Chase Ultimate Rewards.
- 3% on dining, including takeout and eligible delivery services.
- 3% on drugstore purchases.
- Sign-up Bonus: $200 after spending $500 in the first 3 months.
- Annual Fee: $0.
- Intro APR Offer: 0% APR on purchases for the first 15 months; thereafter, a variable APR of 20.24%–28.99%.
This card is ideal for those seeking a straightforward cashback program without the hassle of rotating categories.
2. Discover it® Cash Back
- Cashback Rates:
- 5% on rotating quarterly categories (up to $1,500 per quarter, then 1%).
- 1% on all other purchases.
- Sign-up Bonus: Dollar-for-dollar match of all cashback earned in the first year.
- Annual Fee: $0.
- Intro APR Offer: 0% APR for the first 14 months on purchases and balance transfers; then a variable APR of 17.24%–28.24%.
This card suits individuals who can maximize rewards by aligning their spending with the quarterly categories.
3. Citi Custom Cash℠ Card
- Cashback Rates:
- 5% on your highest eligible spend category each billing cycle (up to $500; then 1%).
- 1% on all other purchases.
- Sign-up Bonus: $200 after spending $750 in the first 3 months.
- Annual Fee: $0.
- Intro APR Offer: 0% APR on purchases for the first 15 months; then a variable APR of 19.24%–29.24%.
This card is perfect for those whose spending varies monthly, as it automatically adjusts to reward your top spending category.
4. Blue Cash Preferred® Card from American Express
- Cashback Rates:
- 6% on groceries (up to $6,000 per year; then 1%).
- 3% on transit, including taxis, rideshares, and parking.
- 1% on all other purchases.
- Sign-up Bonus: $350 statement credit after spending $3,000 in the first 6 months.
- Annual Fee: $95 (waived for the first year).
- Intro APR Offer: 0% APR on purchases for the first 12 months; then a variable APR of 20.24%–28.24%.
Ideal for families with significant grocery expenses, this card offers exceptional cashback rates in everyday categories.
5. HBL FuelSaver Gold Credit Card
- Cashback Rates:
- 5% on fuel transactions.
- Annual Savings: Up to Rs. 24,000 on spending up to Rs. 40,000 monthly on fuel.
- Annual Fee: Rs. 8,400.
This card is tailored for individuals with high fuel consumption, offering substantial savings on fuel expenses.
6. HBL FuelSaver Green Credit Card
- Cashback Rates:
- 3% on fuel transactions.
- Annual Savings: Up to Rs. 12,000 on spending up to Rs. 33,300 monthly on fuel.
- Annual Fee: Rs. 4,200.
Designed to alleviate monthly fuel expenses, this card is suitable for moderate fuel users seeking cashback benefits.
7. Cashback SBI Card
- Cashback Rates:
- 5% on online spends.
- 1% on offline spends.
- Monthly Cashback Cap: Rs. 5,000.
- Annual Fee: Rs. 999 (waived upon spending Rs. 2 lakhs annually).
This card is advantageous for individuals who predominantly shop online, offering significant cashback on digital purchases.
8. Amazon Pay ICICI Credit Card
- Cashback Rates:
- 5% on Amazon.in for Prime members (3% for non-Prime members).
- 2% on 100+ Amazon Pay partner merchants.
- 1% on all other transactions.
- Annual Fee: None.
This card is ideal for frequent Amazon shoppers, providing substantial cashback on Amazon purchases without any annual fee.