12 Best Cash Back Credit Cards November 2025

Bank promotions generally consist of cash bonuses when you open a new checking or savings account. To qualify, you’ll likely have to set up direct deposit with the bank and keep the account open for at least a few months. In November 2025, checking account bonus offers could land you between $100 and $3,000. Tiered-rate credit cards offer different earning rates on specifically designated purchase categories, such as restaurants, travel or groceries. An example of a tiered cash-back card is the Chase Freedom Unlimited®, which earns 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases.

  • That said, most cards offer more than 1 bonus category, so you’d likely be able to choose a card that offers bonus categories for the top 2 or 3 items you spend the most on.
  • NerdWallet’s credit card experts have reviewed hundreds of credit cards.
  • Check out this example, which shows how your earnings can vary based on how much you spend and the structure of your card’s rewards program.

Approved applicants receive a free year of DashPass that will auto-renew at $96/yr. And, you guessed it, there’s aDiscover It® Student Chrome as well—with all of the same benefits listed above. Cashback is a reward — you still need to lose money first, but you get part of it back under set terms. Find out if you have adhered to the rules by logging into your account.

Wells Fargo Active Cash® Card

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The welcome bonus is similar to DraftKings in that you get both bonus spins (200 on Huff ‘N More Puff, valued at $0.20 per spin, after a $10 deposit) and casino cashback (up to $1,000 for losses during your first 24 hours). The biggest difference between the two is that Hard Rock Bet gives you all the spins at once, while DraftKings spreads them out over several days. As I kept using the site, similar offers would pop up every now and then.

What would you do with $200 of cash back in your credit card account right now?

That way, you’re not driving miles to meet with a banker or wasting money on out-of-network ATM fees. And with online banking becoming more popular and convenient, look for a bank or credit union that offers a solid set of digital is sheesh casino legit tools. The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).

For instance, if you regularly go out to try new restaurants with friends, you’d benefit from a card offering dining as a bonus category. If you have a rather lengthy commute to work each day, you may want a credit card that rewards gas purchases. That said, most cards offer more than 1 bonus category, so you’d likely be able to choose a card that offers bonus categories for the top 2 or 3 items you spend the most on. When it comes to cash-back credit cards, the bonus categories that they offer can vary quite a bit. That said, some of the most popular cash-back bonus categories include dining, grocery stores, gas stations, utilities, or cards that offer a flat cash-back rate for every purchase made with the card. The Capital One Savor card is a phenomenal option when it comes to no-annual-fee cash-back credit cards.

Cards can sometimes offer boosted rewards rates in special bonus categories — or even on general spending — when you first open the card. These limited-time bonus categories usually expire after you reach a spending cap and/or after a certain time. For example, we’ve seen some cards provide a temporary 3 percent to 5 percent back on additional categories like travel, dining or groceries for up to a year. Now that we’ve reached the end of summer travel, we’re not likely to see issuers roll out chart-topping offers like we saw earlier this year.

For anyone planning to use the bonus on casino games, keep in mind that Baccarat and Roulette aren’t included. Note that in these scenarios, you usually receive your funds back as bonus credit, which then needs to be played through a set number of times according to the offer’s terms and conditions. However, at times, you will get back withdrawable cash, depending on the casino.

Always remember that you should never overspend on a cash back card to earn more money back, as interest charges can eclipse your earnings if you carry a balance. While cash back cards may require you to enroll in and keep track of rotating bonus categories, others may require some strategizing to maximize tiered rewards earnings. If you’re unsure of the amount of time you have to devote to a strategy, selecting a flat-rate cash back card may be the simplest approach. Depending on the card, you’ll have numerous options for redeeming your cash back, including a statement credit to lower your balance or direct deposits into your checking or savings account. Earn 5% cash back in select business categoriesplus earn rewards on every purchase made for your business – with this no annual fee credit card. There’s no limit to the amount of cashback rewards that you can earn on other purchases because you’ll get unlimited 1% rewards on every purchase with your Discover® cash rewards credit card.

Don’t forget to consider all the games you’ve played within this period. Players can get a tiny percentage of their losses as a cashback incentive, usually between 10% and 30%, up to a certain amount. For rates and fees of the Blue Cash Preferred® Card from American Express, click here. Consider benefits like purchase protection, extended warranty coverage, rental car insurance, cell phone insurance, trip cancellation insurance, and so on.

While r/CreditCards maintains comprehensive lists of cards that earn good cash back in common categories, it isn’t going to pick a “winner.” Reddit is a huge community of individuals. The r/CreditCards subreddit had 1.4 million members as of September 2024, while r/personalfinance had 20 million. You’re never going to get a single definitive answer, because every response is coming from a different individual who has found what works for them. But because so many people are participating, Reddit users offer up a lot of different scenarios that might match your situation, which means the recommendations that accompany those scenarios may have value to you. A five-star cash back card is not a “perfect” card, however, because an objectively perfect card doesn’t exist. Every consumer has different needs, and each cash back credit card delivers value to consumers through a unique combination of features.