Earn Back on Every Buy, from Fuel to Food
Cash-back credit cards continue to be one of the highest rewarding methods of saving money on regular spending. In the year 2025, UK and USA banks have cash-back programs on offer that are increased, enabling card users to earn between 1% and 5% (or even more) on spending areas such as groceries, restaurant visits, fuel, and internet spending.
Whether you’re in London or Los Angeles, finding the right cash-back card can help you maximize your rewards and minimize costs every time you swipe.
Best Cash-Back Credit Cards in the USA (2025)
1. Chase Freedom Unlimited®
- Cash Back: 1.5% on all purchases + 3% on drugstores and restaurants
- Intro Bonus: $200 bonus after a spending of $500 in the initial 3 months
- APR: 0% por 15 meses en compras y transferencias de saldo
- Why It’s Great: No annual fee and robust all-around rewards framework on everyday spending.
Citi Custom Cash℠ Card
- Cash Back: 5% back on your highest spending category (up to $500/month), 1% thereafter
- Intro Bonus: Get $200 cash back when spending $1,500 in 6 months
- APR: 0% for 15 months
- Highlight: Automatically adjusts the highest spending category per month—ideal for dynamic budgets.
American Express Business Gold Card
- Cash Back: 6% on cash back at U.S. grocery stores (up to $6,000 per year), 3% on gas and transportation, 1%
- Yearly Fee: $95 (worth the money if you have heavy grocery spending)
- Intro APR: 0% for 12 months
- Why It’s Ideal: An industry high when-rounded cash-back percentage on groceries in the United States market.
Capital One SavorOne Rewards
- Cash Back: 3% on groceries, restaurants, entertainment, and as needed; 1% on all other purchases
- Bonus: $200 after 3-month spend on $500
- Annual Fee: $0
- Best For: Foodies and social spenders who adore restaurants, movies, and concerts.
Best Cash-Back Credit Cards in the UK (2025)
- American Express Platinum Cashback Everyday Card
- Cash Back: Maximum 5% in the initial 3 months (up to £100), thereafter, Maximum 0.5%–1%
- Anniversary Fee: £0
- Representative APR: 31% variable
- Highlight: A great fit for middle-of-the-road spenders who desire a hassle-free, no-fee access cash-back reward.
Barclaycard Arrival Plus
- Cash Back: 0.25% on all purchases
- Fees: No foreign transaction fee
- APR: 23.9% variable
Why It’s Great: Great when traveling abroad—use on vacation without exchange fees.
3. Chase UK Cashback Card
- Cash Back: 1% on all purchases for 12 months
- Fees: £0 yearly fee
- Highlight: Simple reward framework and excellent on-app banking users.
Santander Edge Credit Card
- Cash Back: 2% on grocery and travel purchases, 1% on all other purchases
- Fee: £3
- Representative APR: 29.9%
- Bonus: Extra bonuses on bills and standing orders with Santander Edge current accounts.
How to Choose the Best Cash-Back Credit Card
Focus on when choosing a card:
- Spends on things that matter: Select a card that reimburses your highest spending categories (e.g., groceries, restaurants, gas).
- Fees versus rewards: Certain cards with membership fees have better payouts—calculate if it is on your behalf.
- Bonus deals: Start-up bonuses can include £/$100+ in bonus reward if the spending limit is reached.
- Foreign transaction fees: Frequent flyer? Select a card that has no charges on usage internationally.
- Redemption flexibility: Seek alternatives to redeem cash, statement credit, or direct deposit.
Ways to Maximize Cash-Back Profits
- Pay with your cash-back card on every daily bill such as fuel, streaming services, and food.
- Blur with loyalty schemes (e.g., Nectar, Chase Offers, Amex Membership Rewards).
- Pay off your balance every month in order to have the interest not undo your rewards.
- Follow rotating categories and cash-back promotion deals.
- Use multiple cards wisely — one for groceries, one for vacation or restaurant spending.