If you’re still swiping your old credit card without earning serious rewards, 2025 might be the year to upgrade. Credit card companies in the U.S. are battling harder than ever to win over customers, and that means bigger bonuses, higher cashback, and better perks for you.
Whether you’re looking to save on groceries, gas, travel, or online shopping, the right card can put hundreds (even thousands) of dollars back in your pocket each year. So, which credit cards in the USA are giving the maximum cashback rewards in 2025? Let’s break it down.
1. Chase Freedom Unlimited® – Best All-Around Cashback
Chase Freedom Unlimited continues to shine in 2025. With unlimited 1.5% cashback on every purchase and bonus categories like dining and drugstores, this card is perfect for everyday spending. Plus, new applicants can still snag a welcome bonus worth hundreds.
2. Citi Custom Cash℠ Card – Tailored to Your Spending
If your expenses change from month to month, the Citi Custom Cash card is a game-changer. It automatically gives you 5% cashback on your top spending category (like gas, groceries, or restaurants) each billing cycle, without you having to track or activate categories.
3. Discover it® Cashback – Double Rewards for New Users
Discover remains a favorite among cashback hunters. The big highlight? Discover matches all cashback you earn in your first year, essentially doubling your rewards. With rotating 5% categories and no annual fee, it’s one of the most rewarding cards for beginners.
4. Capital One SavorOne® – Foodies’ Dream Card
Love dining out or ordering in? The Capital One SavorOne card offers 3% cashback on dining, entertainment, and streaming services, making it a go-to card for foodies and Netflix lovers alike. And yes, there’s no annual fee.
5. American Express Blue Cash Preferred® – Grocery King
If your grocery bills are piling up, this Amex card might be your best bet. With 6% cashback on U.S. supermarkets (up to a cap) and 6% on select streaming services, it’s perfect for families and binge-watchers.
Why Cashback Cards Matter in 2025
With inflation driving up daily expenses, maximizing cashback is one of the easiest ways to save money without changing your lifestyle. The right card can cover a Netflix subscription, shave dollars off your grocery bill, or even pay for a weekend getaway just through rewards.
How to Pick the Right Card for You
- Check Your Spending Habits: If you eat out often, pick a dining-focused card. For heavy grocery shoppers, Amex Blue Cash Preferred might be better.
- Annual Fees: Some cards with fees offer higher rewards—do the math to see if it’s worth it.
- Welcome Bonuses: Many cards offer $200–$300 bonuses just for signing up and meeting minimum spend.
- Flexibility: If you don’t like tracking categories, go with a flat-rate card like Chase Freedom Unlimited.
Final Takeaway
There’s no single “best” cashback card—it depends on how you spend. But in 2025, competition among banks is so fierce that there’s a perfect card out there for everyone. From doubling your cashback in the first year to earning top rewards on groceries, dining, and travel, the opportunities to save are bigger than ever.
Pro tip: Many of these offers change quickly, so if you see a card that matches your lifestyle, apply before the rewards drop.
