In 2025, Americans have more choices than ever when it comes to credit cards that offer rewards and cashback. Whether you’re a small business owner, frequent traveler, or just want to maximize your everyday purchases, the right credit card can help you earn thousands of dollars in value each year.
We’ve reviewed dozens of personal and business credit cards available in the USA and ranked the top 10 for rewards and cashback. This list includes their reward rates, annual fees, welcome bonuses, pros & cons, and who they’re best for.
10. Capital One Quicksilver Cash Rewards Credit Card (Personal)
- Rewards Rate: Unlimited 1.5% cashback on all purchases
- Annual Fee: $0
- Welcome Bonus: $200 bonus after spending $500 in the first 3 months
- Pros: No annual fee, simple flat-rate rewards, no foreign transaction fees
- Cons: No bonus categories
- Best For: Beginners who want easy cashback with no annual fee
💡 Apply now to start earning unlimited cashback with no hassle.
9. Ink Business Cash® Credit Card (Chase) (Business)
- Rewards Rate: 5% cashback on office supplies, internet, cable, and phone services (on up to $25,000/year), 2% at gas stations and restaurants, 1% on everything else
- Annual Fee: $0
- Welcome Bonus: $750 bonus after spending $6,000 in the first 3 months
- Pros: High cashback on business categories, no annual fee
- Cons: Bonus categories have annual limits
- Best For: Small business owners who spend a lot on office expenses
💡 Perfect for businesses looking to maximize rewards without an annual fee.
8. Citi® Double Cash Card (Personal)
- Rewards Rate: 2% cashback on everything (1% when you buy, 1% when you pay)
- Annual Fee: $0
- Welcome Bonus: $200 after $1,500 spend in first 6 months (varies by offer)
- Pros: High flat cashback rate, simple to use
- Cons: No bonus categories, foreign transaction fees apply
- Best For: Everyday spending with a high flat rate
💡 Earn a consistent 2% cashback on all purchases year-round.
7. American Express® Blue Business® Plus Credit Card (Business)
- Rewards Rate: 2x Membership Rewards® points on first $50,000/year, then 1x
- Annual Fee: $0
- Welcome Bonus: 15,000 Membership Rewards® points after $3,000 spend in first 3 months
- Pros: High points rate on all purchases, flexible rewards
- Cons: Foreign transaction fees
- Best For: Business owners who prefer travel rewards over cashback
💡 A flexible points-earning business card with no annual fee.
6. Bank of America® Customized Cash Rewards Credit Card (Personal)
- Rewards Rate: 3% cashback in category of choice (gas, online shopping, dining, travel, drug stores, home improvement), 2% at grocery stores and wholesale clubs, 1% on other purchases
- Annual Fee: $0
- Welcome Bonus: $200 online bonus after $1,000 spend in first 90 days
- Pros: Choose your 3% category, no annual fee
- Cons: Bonus rewards capped at $2,500 in combined purchases per quarter
- Best For: Flexible category cashback earners
💡 Pick the category that fits your lifestyle to maximize rewards.
5. Capital One Spark Cash Plus (Business)
- Rewards Rate: Unlimited 2% cashback on all purchases
- Annual Fee: $150
- Welcome Bonus: $1,200 after $30,000 spend in first 3 months
- Pros: High flat cashback rate, no preset spending limit
- Cons: High spend requirement for bonus
- Best For: High-spending businesses that want simplicity
💡 Straightforward cashback for businesses with big budgets.
4. Chase Sapphire Preferred® Card (Personal)
- Rewards Rate: 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, 2x on other travel, 1x on all other purchases
- Annual Fee: $95
- Welcome Bonus: 60,000 points after $4,000 spend in first 3 months (worth ~$750 in travel)
- Pros: Valuable travel rewards, flexible redemption
- Cons: Annual fee, not best for cashback seekers
- Best For: Travelers who want maximum point value
💡 A top travel rewards card with generous bonus categories.
3. American Express® Gold Card (Personal)
- Rewards Rate: 4x points at restaurants (including takeout), 4x at U.S. supermarkets (up to $25,000/year), 3x on flights booked directly or via Amex Travel, 1x elsewhere
- Annual Fee: $250
- Welcome Bonus: 60,000 Membership Rewards® points after $6,000 spend in first 6 months
- Pros: Great for food lovers and travelers
- Cons: High annual fee, limited cashback value
- Best For: Big spenders on dining and groceries
💡 Ideal for those who spend heavily on dining and supermarkets.
2. Chase Ink Business Preferred® Credit Card (Business)
- Rewards Rate: 3x points on travel, shipping, internet, cable, phone, and advertising (up to $150,000/year), 1x elsewhere
- Annual Fee: $95
- Welcome Bonus: 100,000 points after $8,000 spend in first 3 months (~$1,250 in travel)
- Pros: Huge welcome bonus, strong travel and business categories
- Cons: Annual fee, capped bonus spend
- Best For: Businesses with diverse spending in travel and advertising
💡 Massive welcome bonus for businesses with high spending power.
1. Chase Sapphire Reserve® (Personal)
- Rewards Rate: 10x on hotels and car rentals through Chase, 5x on flights through Chase, 3x on dining, 3x on other travel, 1x on everything else
- Annual Fee: $550
- Welcome Bonus: 60,000 points after $4,000 spend in first 3 months (~$900 in travel)
- Pros: Premium travel perks, Priority Pass lounge access, $300 annual travel credit
- Cons: High annual fee
- Best For: Frequent travelers who want luxury benefits and top-tier rewards
💡 The ultimate rewards card for serious travelers.
Whether you’re after cashback simplicity or maximized travel rewards, these USA credit cards in 2025 offer top value for your spending. Be sure to choose the one that matches your lifestyle and financial goals, and don’t forget to take advantage of welcome bonuses.