The Best Cashback Credit Cards in the USA, UK, and Canada (2025)

Let’s be real—who doesn’t love free money? If you’re using a credit card that doesn’t give you cash back, you’re leaving cash on the table every time you swipe.

At Wealthy Swipe, we’ve tested, compared, and crunched the numbers to bring you the best cashback credit cards in the USA, UK, and Canada. Whether you’re a big spender or just want rewards on everyday purchases, there’s a card here for you.

Why You Need a Cashback Credit Card

Cashback cards are the easiest way to get rewarded for spending you’re already doing. Instead of jumping through hoops to earn travel points or store discounts, cashback is simple: spend money, get money back.

Top Reasons to Get One:

✅ Earn real money—not just points or miles
✅ No complicated redemption rules (unlike airline miles)
✅ Some cards offer bonus categories (like groceries, gas, or dining)
✅ Sign-up bonuses can give you a quick cash boost

Now, let’s break down the best cashback credit cards in each country.

Best Cashback Credit Cards in the USA

1. Chase Freedom Unlimited® – Best for Flat-Rate Cashback

• Earn: 1.5% – 5% cashback

• Annual Fee: $0

• Best For: People who want simple, no-fuss rewards

Why We Love It:

• 1.5% cashback on everything

• 5% on travel booked through Chase

• 3% on dining & drugstores

• No annual fee

If you hate tracking bonus categories, this is your card.

👉 Learn More About Chase Freedom Unlimited®

2. Citi® Double Cash Card – Best for Consistent Rewards

• Earn: 2% cashback (1% when you buy, 1% when you pay)

• Annual Fee: $0

• Best For: Those who want steady cashback on all purchases

Why It’s Great:

• No rotating categories—just 2% back on everything

• No annual fee means more money in your pocket

Perfect if you want set-it-and-forget-it rewards.

👉 Check Out the Citi® Double Cash Card

3. Blue Cash Preferred® Card from Amex – Best for Groceries & Streaming

• Earn: Up to 6% cashback

• Annual Fee: $95 (but the rewards can easily cover it)

• Best For: Big spenders at supermarkets

Why It’s a Winner:

• 6% back at U.S. supermarkets (up to $6,000/year)

• 6% on select streaming services (Netflix, Hulu, etc.)

• 3% on gas & transit

If you spend a lot on groceries, this card pays for itself.

👉 See Details on the Blue Cash Preferred® Card

Best Cashback Credit Cards in the UK

1. American Express Platinum Cashback Everyday – Best for Beginners

• Earn: Up to 5% cashback (first 3 months)

• Annual Fee: £0 (first year, then £25)

• Best For: New cashback card users

Why It’s Great:

• 5% cashback in the first 3 months (up to £100)

• 1% after £5,000 spent

• No fee in the first year

A risk-free way to start earning cashback.

👉 Learn About Amex Platinum Cashback Everyday

2. Santander All in One Credit Card – Best for Flat Cashback + Perks

• Earn: 1% cashback

• Annual Fee: £3/month

• Best For: People who want rewards + phone insurance

Why It Stands Out:

• 1% cashback on all spending

• Free mobile phone insurance (worth £100+ per year)

A solid all-in-one card for UK shoppers.

👉 Check Santander All in One Credit Card

3. Barclaycard Rewards Visa – Best for Bill Payers

• Earn: 0.25% – 1% cashback

• Annual Fee: £0

• Best For: Those who pay utility bills

Why It’s Worth It:

• 1% cashback on utility bills (up to £7.50/month)

• No annual fee

If you pay bills regularly, this card gives you free money back.

👉 Explore Barclaycard Rewards Visa

Best Cashback Credit Cards in Canada

1. Scotia Momentum® Visa Infinite – Best for Groceries & Bills

• Earn: Up to 4% cashback

• Annual Fee: $120 (first year waived)

• Best For: Household spenders

Why It’s a Top Pick:

• 4% on groceries & recurring bills

• 2% on gas & transit

• 1% on everything else

If you spend big on groceries, this card is hard to beat.

👉 See Scotia Momentum® Visa Infinite

2. Tangerine Money-Back Credit Card – Best No-Fee Option

• Earn: Up to 2% cashback

• Annual Fee: $0

• Best For: People who hate fees

Why We Love It:

• Choose 2-3 categories for 2% cashback (groceries, gas, etc.)

• No annual fee

A flexible, free way to earn cashback.

👉 Check Tangerine Money-Back Card

3. American Express SimplyCash® Preferred – Best Flat-Rate Card

• Earn: 2% cashback on everything

• Annual Fee: $99

• Best For: Those who want simple, high rewards

Why It’s Worth It:

• No category restrictions

• Great for big spenders

If you want easy, high cashback, this is a winner.

👉 Learn About Amex SimplyCash® Preferred

How to Pick the Best Cashback Credit Card for You

Not all cashback cards are the same. Here’s how to choose:

✔ Flat-rate cards (like Citi Double Cash) = Best if you want simple, steady rewards
✔ Category cards (like Blue Cash Preferred) = Best if you spend a lot in specific areas
✔ No-fee cards (like Tangerine) = Best if you don’t spend enough to justify an annual fee

Also check:

• Cashback limits (some cards cap rewards)

• Foreign transaction fees (if you travel)

• Redemption rules (some make you wait for a minimum amount)

Final Thoughts: Start Earning Cashback Today!

Why pay full price when you can get money back on every purchase? The best cashback credit cards turn everyday spending into real savings.

At Wealthy Swipe, we’re all about maximizing your money. Ready to start earning? Pick one of these top cards and watch the cash roll in!

Which cashback card do you use? Drop a comment below—we’d love to hear your picks!

More from Wealthy Swipe:

• Credit Card Myths You Need to Stop Falling For

• Top 10 Credit Card Mistakes You’re Probably Making (And How to Fix Them)

• Top-7 Credit Card Mistakes Newbies Make (And How to Avoid Them)

By Wealthy Swipe – Helping you spend smarter & earn more! 💰