Discover the top cashback credit cards of 2021 designed to maximize your rewards. From generous bonus offers to categories like dining, travel, and shopping, these cards cater to various spending habits. Enjoy no annual fee options with competitive cash back rates, along with features tailored for different credit profiles. Make informed decisions with expert insights and current offers to enhance your financial rewards effortlessly.

Explore the Best Cashback Credit Cards of 2021

Cashback credit cards are popular for their straightforward rewards, offering direct cash refunds instead of points that require redemption later. This makes it easier for users to utilize their rewards freely without complex processes.

Here are the top cashback credit cards of 2021:

American Express Blue Cash Preferred® Card
Earn 3% cashback on gas, parking, taxis, trains, rideshares, and tolls. Streaming services get 6%, with all other purchases earning 1%. A good credit score (670-850) is necessary. The first year has no annual fee; afterward, it costs $95 annually.

Chase Freedom Unlimited®
Sign up bonus of $200 after spending $500 in the first three months. Earn 5% cashback on groceries (excluding Walmart and Target) up to $12,000 per year, 5% on Chase travel booked via Ultimate Rewards, and 3% on dining and pharmacy purchases. All other transactions earn 1.5% cashback. No annual fee required; credit scores between 670-850 are recommended.

Citi Custom Cash℠ Card
Receive $200 cashback after spending $750 within 90 days. Variable APR ranges from 13.99% to 23.99%. Your highest spending category each billing cycle earns 5% cashback up to $500, then 1%, plus 1% on other categories. No annual fee; suitable for credit scores of 700-749.

Capital One® SavorOne® Cash Rewards
No annual fee, offering 3% cashback on dining, entertainment, select grocery stores, and streaming. Up to 8% cashback on Vivid Seats (until Jan 2023), with 1% on other purchases. Credit score requirement: 670-850.

Discover it® Cash Back
Earn 5% cashback on rotating quarterly categories and 1% on all else. Rewards earned in the first year are automatically doubled. No annual fee, with a variable APR of 11.99%-22.99%. A credit score of 700-749 is recommended.

Note: This overview is based on research, expert input, and current offers. Terms may vary based on individual situations and market fluctuations. Always consult a financial advisor before applying. We disclaim responsibility for accuracy or applicability.