1.Blue Cash Preferred® Card from American Express
American Express
- 6%Cash back at U.S. supermarkets (up to $6,000 per year)
- 6%Cash back on select U.S. streaming subscriptions
- 3%Cash back at U.S. gas stations
- 3%Cash back on transit
- 1%Cash back on all other purchases
Earn a $250 statement credit after spending $3,000 in eligible purchases within the first 6 months.
Earn 6% cash back at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and on transit, plus 1% on other purchases.
19.49%-28.49% Variable APR
The Blue Cash Preferred® Card stands out as the top choice because it offers exceptional cash back rates on essential spending categories like groceries and streaming, making it ideal for families and frequent shoppers.
Pros:
- High rewards on groceries and streaming
- No annual fee for the first year
Cons:
- Annual fee after the first year
- High spending required for welcome bonus
2.Citi Double Cash® Card
Citi
- 2%Cash back on all purchases
- 1%Cash back when you pay for those purchases
Earn $200 cash back after spending $1,500 on purchases within the first 6 months.
Earn 2% cash back on all purchases: 1% when you buy and 1% when you pay.
17.49%-27.49% Variable APR
What sets the Citi Double Cash® Card apart is its straightforward cash back structure, allowing cardholders to earn 2% on every purchase without the hassle of rotating categories.
Pros:
- Unlimited 2% cash back on all purchases
- No annual fee
Cons:
- Requires timely payment to earn full rewards
- Limited bonus categories
3.Chase Freedom Unlimited®
Chase
- 5%Cash back on travel booked through Chase Travel
- 3%Cash back on dining and drugstores
- 1.5%Cash back on all other purchases
Earn $200 cash back after spending $500 on purchases in the first 3 months.
Earn 5% on travel booked through Chase Travel, 3% on dining and drugstores, and 1.5% on all other purchases.
18.24%-27.74% Variable APR
The standout feature here is the Chase Freedom Unlimited®'s high-value cash back structure, particularly for travel and dining, making it a versatile choice for everyday spending.
Pros:
- No annual fee
- High rewards on travel and dining
Cons:
- Lower cash back on non-bonus categories
- Variable APR can be high
4.Blue Cash Everyday® Card from American Express
American Express
- 3%Cash back at U.S. supermarkets
- 3%Cash back on U.S. online retail purchases
- 3%Cash back at U.S. gas stations
- 1%Cash back on all other purchases
Earn a $200 statement credit after spending $2,000 on purchases in the first 6 months.
Earn 3% cash back on U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (on up to $6,000 per year in each category, then 1%), plus 1% on other purchases.
19.49%-28.49% Variable APR
This card shines for its high cash back rates on everyday essentials, making it an excellent choice for those who frequently shop at supermarkets and gas stations.
Pros:
- No annual fee
- High rewards on essential categories
Cons:
- Spending limits on higher cash back categories
- Lower rewards on non-bonus categories
5.Bank of America® Customized Cash Rewards credit card
Bank of America
- 3%Cash back in a category of your choice
- 2%Cash back at grocery stores/wholesale clubs
- 1%Cash back on all other purchases
Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases within the first 90 days.
Earn 3% cash back in a category of your choice, 2% at grocery stores/wholesale clubs, and 1% on everything else.
17.49%-27.49% Variable APR
A key differentiator is the ability to choose your 3% cash back category each month, providing flexibility for cardholders to maximize their rewards based on spending habits.
Pros:
- Flexible cash back categories
- No annual fee
Cons:
- Requires spending limits for bonus categories
- Variable APR can be high
6.Citi Custom Cash® Card
Citi
- 5%Cash back on your top eligible spending category
- 1%Cash back on all other purchases
Earn $200 cash back after spending $1,500 on purchases within the first 6 months.
Earn 5% cash back on your top eligible spending category each billing cycle (up to $500 spent), plus 1% on everything else.
17.49%-27.49% Variable APR
This card excels for its ability to automatically adjust to your highest spending category, ensuring you earn maximum rewards without the need to activate categories.
Pros:
- No annual fee
- Automatically adapts to spending habits
Cons:
- Spending cap on top category
- Limited to one top category per billing cycle
7.Capital One QuicksilverOne Cash Rewards Credit Card
Capital One
- 5%Cash back on travel booked through Capital One
- 1.5%Cash back on all other purchases
N/A
Earn unlimited 1.5% cash back on every purchase and 5% on travel booked through Capital One.
28.99% Variable APR
The Capital One QuicksilverOne shines for its straightforward cash back rewards, making it an excellent option for those looking to build credit while earning rewards on everyday spending.
Pros:
- Unlimited cash back on all purchases
- No foreign transaction fees
Cons:
- High annual fee
- High APR
Final Words
As you explore the best cashback credit cards this February 2026, remember that the right card can significantly enhance your rewards based on your spending habits. Take time to compare your options carefully and make informed decisions that align with your financial goals.
Frequently Asked Questions
The Blue Cash Preferred® Card from American Express offers a welcome bonus of $250 statement credit after spending $3,000 in eligible purchases within the first 6 months. Additionally, you can earn 6% cash back at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and on transit, plus 1% on other purchases.
The Citi Double Cash® Card allows you to earn a welcome bonus of $200 cash back after spending $1,500 on purchases within the first 6 months. You earn 2% cash back on all purchases: 1% when you buy and 1% when you pay, making it a straightforward choice for cash back on everyday spending.
With the Chase Freedom Unlimited®, you can earn a welcome bonus of $200 cash back after spending $500 on purchases in the first 3 months. The card also offers 5% cash back on travel booked through Chase Travel, 3% on dining and drugstores, and 1.5% on all other purchases.
Yes, cashback credit cards can be worth it if you choose one that aligns with your spending habits. Look for cards that offer high rewards in categories where you spend the most, and ensure the rewards you earn exceed any annual fees.
Many cashback cards have no annual fee, making them accessible for most users. However, premium cards with higher rewards rates may charge annual fees, so consider your spending level to determine if the extra rewards justify the cost.
To choose the best cashback credit card, assess your spending habits and look for cards that offer higher rewards in those categories. Additionally, compare welcome bonuses, annual fees, and other benefits to find a card that provides the best value for your lifestyle.
The application process for cashback credit cards typically involves filling out an online form with your personal information, including income and credit history. After submitting your application, the issuer will review it and notify you of their decision, which can take anywhere from a few minutes to a few days.
