Best cashback credit card

Combined ranking

1. 1
   WWells Fargo Active Cash—12 pts

   GPT #1Claude #1Gemini #4

   Unlimited 2% cash rewards on purchases, no annual fee, simple one-card setup, useful intro APR and cell phone protection

   To stay #1 Add permanent bonus categories above 2% for groceries, dining, or gas

2. 2
   BBlue Cash Preferred (Amex)—9 pts

   GPT #2Claude #4Gemini #3

   6% at U.S. supermarkets up to the cap, 6% on select streaming, 3% at U.S. gas stations and transit, excellent household-spending value

   To rank higher Remove the annual fee or raise the supermarket cap

3. 3
   CChase Freedom Unlimited—8 pts

   GPT #5Claude #3Gemini #2

   Combines strong tiered rewards like 5% on travel and 3% on dining and drugstores with a higher-than-average 1.5% baseline on all other purchases.

   To rank higher Raise the baseline cashback rate from 1.5% to 2% to match flat-rate competitors.

4. 4
   CCiti Custom Cash—8 pts

   GPT #3Claude —Gemini #1

   Automatically awards 5% cash back on your highest spending category each billing cycle up to $500 spent, offering unmatched flexibility with no annual fee.

   To rank higher Increase the $500 monthly spending cap on the 5% cashback tier.

5. 5
   CCiti Double Cash—4 pts

   GPT —Claude #2Gemini —

   2% total (1% buy, 1% pay) with no annual fee, now earns ThankYou points that transfer to airline/hotel partners, giving flat-rate simplicity plus an upgrade path to higher value.

   To rank higher Drop the split earn-on-payment mechanic and weak intro bonus so rewards post instantly and onboarding matches rivals.

6. 6
   CCapital One Savor—3 pts

   GPT #4Claude #5Gemini —

   No annual fee with strong unlimited rewards on dining, entertainment, groceries, and streaming, making it unusually broad for everyday spending

   To rank higher Increase the base rate on non-bonus purchases

7. 7
   CCapital One SavorOne—1 pts

   GPT —Claude —Gemini #5

   Earns an unlimited 3% cash back on dining, entertainment, streaming, and grocery stores with no annual fee or foreign transaction fees.

   To rank higher Raise the grocery store cashback rate to 4% or 5% to compete with category-specific cards.

By model

Tracked by ModelsAgree · rank 1 = 5 pts … rank 5 = 1 pt · re-polled continuously