The Best Reversed Credit Cards of 2026
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Getting something back for your everyday purchases is probably one of the best reasons to use a credit card. Although many cards on the market offer various rewards and benefits, the best credit cards will reward you in a simple, tangible way: by giving you a fixed percentage of what you spend, delivered directly to your account or, in some cases, to your door in the form of a check.
Read our guide to find out which cards offer the highest cash back rates and choose the one that’s right for you.
Our Top Picks for the Best Reverse Credit Cards of 2026
All prices and data are current as of Feb. 24, 2026.
Best Cash Back Credit Cards Reviews
Why we chose it: Discover it Cash Back includes 5% cash back that rotates quarterly (eligible categories include grocery stores, restaurants, gas stations and big box stores, among others) and 1% on all other purchases.
The card also offers new customers a 15-month 0% APR period. After that, the card’s APRs range from 17.49% to 26.49%. Discover it Cash Back has no annual fees or transaction fees.
Discover it Cash Back also features a $1 to $1 match from the date the new account is approved for the first 12 consecutive billing cycles or 365 days — whichever is longer.
Terms apply. Please click here for current rates and fees.
Why we chose it: The Bank of America Unlimited Cash Rewards Credit Card offers 0% introductory APR — including new purchases and balance transfers — for the first 15 payment cycles after account opening.
After the promotional period ends, balance transfers incur a 5% fee. The card offers a $200 sign-up bonus after customers spend $1,000 in the first 90 days of account opening. Additionally, the Bank of America Unlimited Cash Rewards Credit Card offers 2% cash back in the first year, which drops to 1.5% after that. Following the 0% APR introductory period, cardholders are subject to various APRs ranging from 17.49% to 27.49%.
Customers are offered an automatic rental collision damage waiver. There is no annual fee, but there is a 3% foreign transaction fee.
Terms apply. Please click here for current rates and fees.
Why we chose it: The Blue Cash Preferred Card from American Express offers 6% back on all dining (up to $6,000 per year at major US stores), 6% on select streaming services, 3% on transportation and gas at US stations and 1% on all other purchases.
The card also offers 0% introductory APR on purchases and balance transfers for 12 months from the account opening date. After that period, variable APRs range from 19.49% to 28.49%. The $95 annual fee is waived the first year. There is a 2.7% foreign transaction fee and a $5 or 3% balance transfer fee (whichever is greater).
Blue Cash Preferred Card benefits include car rental, emergency travel assistance and a $120 annual credit for Disney streaming services, including bundle subscriptions, on DisneyPlus.com, Hulu.com, or the Stream.ESPN.com US websites.
Terms apply. Please click here for current rates and fees.
Why we chose it: Freedom Unlimited from Chase allows users to earn a $200 bonus after spending just $500 in purchases within the first three months of account opening.
The card also has no annual fee and features 5% cash back on travel booked through Chase Travel, 3% at restaurants and drug stores and 1.5% on all other purchases. There is a 3% foreign purchase fee and a balance transfer fee of $5 or 5% (whichever is greater). Cardholders can enjoy 0% introductory APR for 15 months from account opening on purchases and balance transfers. After the introductory period, variable APRs range from 18.24% to 27.74%.
Freedom Unlimited also offers customers trip interruption/cancellation, car rental coverage, and purchase protection and extended warranty.
Terms apply. Please click here for current rates and fees.
Why we chose it: SavorOne Rewards from Capital One offers customers unlimited 3% cash back on dining, entertainment, dining (except Walmart and Target) and popular streaming services.
In addition to 1% cash back on all other purchases, the card’s annual fee is just $39, and it offers a 0% introductory APR for 12 months after account opening. After that time, the APR is variable (currently 28.99%). The SavorOne Rewards sign-up bonus offers $300 after cardholders spend $3,000 within the first three months of account opening.
There are no international transaction fees, but the card does charge a 4% balance transfer fee. Benefits include $0 fraudulent credit, unlimited access to credit scores and tools to help monitor your credit profile with CreditWise from Capital One.
Terms apply. Please click here for current rates and fees.
Cash Back Credit Cards FAQs
How do cash back credit cards work?
Cash back credit cards give you back a percentage of what you spend on your credit card at regular intervals. This percentage can be used to purchase certain products or services through the bank’s online portal or as a check in the mail. It can also be used as a statement credit to pay off part of your credit card debt.
What is the best cash back credit card?
According to Money, the best cash back credit card is the Blue Cash Preferred® card from American Express because of the high level of cash back offered on certain categories, bonuses and promo discounts. The best cash back card also depends on your spending habits and needs.
The cashback is not taxable as it is treated as a discount or rebate. However, depending on the amount of cashback offered by the signup bonus, this may, in fact, be taxable. If you’ve earned a lot of these over the year, especially with business credit cards that offer high rates, remember that you’ll likely have to pay taxes on them.
When does my refund expire?
In most cases, refunds do not expire unless the account is closed.
How We Picked the Best Credit Cards Back
The best credit cards offer high value rewards for everyday use, competitive sign-up bonuses and low or no fees. This methodology evaluates these cards with a focus on cash back rates, fee structures and additional benefits.
| Cash Back Rewards | Signup Bonus | Funds | Other Perks |
| 40% | 35% | 20% | 5% |
- Refund Rewards: A consistent and direct return or rewards rate on all purchases rather than tiers. Enhanced rewards for everyday use categories (eg, groceries, gas).
- Signup Bonus: New cardholders can often find great bonuses with the best credit cards.
- Payments: No-fee cards may have additional fees, which can lower their rate.
- Other benefits: Any other benefits and benefits that the card includes, be it travel, low interest or construction credit.
Read our full guide here.
Roundup of the Best Cash Back Credit Cards of 2026
To see rates and fees for the Blue Cash Preferred® Card from American Express, visit this link. Terms apply.
*Insurance disclosure for American Express cards on this page:
Travel Delay Insurance: Eligibility and benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Underwritten by New Hampshire Insurance Company, an AIG Company.
Global Assist Hotline: Eligibility and benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Card Members are responsible for fees charged by third party service providers.
Extended Warranty, Purchase Protection, Luggage Insurance Program: Eligibility level and Benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Underwritten by AMEX Assurance Company.
Car Rental Loss and Damage Insurance: Eligibility and benefits vary by card. Terms, Conditions and Restrictions apply. Please visit americanexpress.com/benefitsguide for more information. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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