Best Credit Cards with High Rewards and Cashbacks

Best Credit Cards with High Rewards and Cashbacks in 2025

If you're anything like me, you love getting the most bang for your buck. And when it comes to credit cards, that means maximizing rewards and cashback on every purchase. With so many options out there, choosing the right credit card can feel overwhelming. But don’t worry—I’ve done the research for you! Whether you're looking for travel perks, dining rewards, or just a solid cashback deal, this guide will help you find the best credit cards with high rewards and cashback in 2025.

What to Look for in a Rewards Credit Card?

Before we dive into the top picks, let's talk about what makes a rewards credit card truly stand out. Here are a few things to keep in mind:

  • High Earning Potential: Look for cards that offer at least 2% back or more in key spending categories.
  • Introductory Bonuses: Many cards offer lucrative welcome bonuses when you spend a certain amount within the first few months.
  • Flexible Redemption Options: The best rewards cards let you redeem points for travel, cashback, gift cards, or even statement credits.
  • Low Fees: A high annual fee can eat into your rewards, so make sure the perks outweigh the cost.
  • Extra Perks: Think travel insurance, purchase protection, airport lounge access, and no foreign transaction fees.

Now that we’ve covered the basics, let's jump into the best credit cards for rewards and cashback in 2025.

Best Credit Cards for Rewards & Cashback in 2025

1. Chase Sapphire Preferred® Card

Best for: Travel Rewards

If you love traveling, the Chase Sapphire Preferred® should be at the top of your list. Here’s why:

  • Sign-up Bonus: 60,000 points after spending $4,000 in the first 3 months (worth $750 when redeemed through Chase Ultimate Rewards).
  • Rewards Rate: 5x points on travel purchased through Chase, 3x on dining, streaming, and online grocery purchases, 2x on other travel, and 1x on everything else.
  • Annual Fee: $95.
  • Why We Love It: Chase Ultimate Rewards points are super flexible and can be transferred to travel partners like United, Southwest, and Hyatt.

2. American Express Gold Card

Best for: Foodies and Dining Rewards

If you’re always eating out or ordering takeout, the Amex Gold Card is a powerhouse for food lovers:

  • Sign-up Bonus: 60,000 Membership Rewards® points after spending $4,000 in 6 months.
  • Rewards Rate: 4x points on dining, 4x at U.S. supermarkets (on up to $25,000 per year), 3x on flights booked directly with airlines, and 1x on everything else.
  • Annual Fee: $250.
  • Why We Love It: The $120 dining credit and $120 Uber Cash credit practically offset the annual fee.

3. Citi Double Cash® Card

Best for: Straightforward Cashback

If you want a no-nonsense cashback card with solid rewards, this one's for you:

  • Sign-up Bonus: None.
  • Rewards Rate: Earn 2% cashback—1% when you buy and another 1% when you pay off your balance.
  • Annual Fee: $0.
  • Why We Love It: No complicated categories—just solid cashback on every purchase.

4. Capital One Venture X Rewards Credit Card

Best for: Premium Travel Benefits

For frequent travelers who love luxury perks, this card is a great alternative to the Amex Platinum:

  • Sign-up Bonus: 75,000 miles after spending $4,000 in 3 months.
  • Rewards Rate: 10x miles on hotels & rental cars booked through Capital One Travel, 5x on flights, and 2x on everything else.
  • Annual Fee: $395.
  • Why We Love It: Comes with a $300 travel credit and Priority Pass lounge access.

5. Discover it® Cash Back

Best for: Rotating Bonus Categories

If you’re willing to track bonus categories, this card can be a cashback powerhouse:

  • Sign-up Bonus: Cashback Match™ (Discover matches all the cashback you earn in your first year).
  • Rewards Rate: 5% cashback on rotating categories (on up to $1,500 per quarter, activation required), 1% on everything else.
  • Annual Fee: $0.
  • Why We Love It: The first-year Cashback Match effectively doubles your earnings.

6. Blue Cash Preferred® Card from American Express

Best for: Families & Grocery Shopping

If you spend a lot on groceries, this card offers some of the highest cashback rates in that category:

  • Sign-up Bonus: $250 statement credit after spending $3,000 in 6 months.
  • Rewards Rate: 6% cashback at U.S. supermarkets (on up to $6,000 per year), 6% on streaming services, 3% on transit and gas, 1% on everything else.
  • Annual Fee: $95.
  • Why We Love It: The 6% back on groceries can save families hundreds per year.

Final Thoughts: Which Card is Right for You?

Choosing the right rewards credit card depends on your spending habits. Here’s a quick guide:

  • For travelers: Go with Chase Sapphire Preferred or Capital One Venture X.
  • For dining lovers: The Amex Gold Card is unbeatable.
  • For cashback simplicity: You can’t go wrong with the Citi Double Cash.
  • For families and groceries: The Blue Cash Preferred is a top pick.
  • For rotating categories: The Discover it® Cash Back offers excellent value.

The best part? You don’t have to stick with just one card! Many savvy cardholders use a combination of these to maximize their rewards. Just be sure to pay off your balance in full each month to avoid interest charges—otherwise, those rewards won’t be worth it.

Which of these cards are you eyeing in 2025? Let me know in the comments!