Cash back credit cards that earn 5% back or more

Written by
Brooklyn Lowery
Terms apply; see the online credit card application for full terms and conditions of offers and rewards

We all love earning cash back. And why not? It’s basically free money for making purchases we were already planning to make!

For some of you, cash back is your top priority when it comes to choosing credit cards. Choosing the card or cards that will help you maximize your rewards can be a challenge. Our editors have compiled a list of credit cards that let you earn (at least!) 5% cashback.

It should be noted that the credit cards that offer 5% cash back (or more) on all purchases are those connected to a particular store and offer that amount on purchases at that store. The cards on this list offer at least 5% on purchases in select categories like gas, travel, dining or groceries and a lower cash back rate as a baseline for all other eligible purchases.

Because the top cash back rewards are only offered in certain categories, maximizing your rewards could mean you decide to carry multiple 5% cash back cards and use them strategically for your purchases.

As you go through the list and decide which card or cards are right for you, look for bonus offers that can boost your rewards, intro 0% APR offers and other perks, but be conscious of fees and spending limits that can eat into your cash back earnings.

Best 5% cash back on travel

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Best 5% cash back for rotating categories

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Best 5% cash back for small businesses

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Best cash back for groceries

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American Express is a CardRatings advertiser

Best 5% cash back on gas

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Best 5% cash back in categories you can choose

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See Rates and Fees; terms apply for the CardName

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Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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