10 BEST Cash Back Credit Cards

In this video we are talking about the 10 best cash back credit cards that will help you to earn hundreds of dollars in cash back every year! These top cash back credit cards earn anywhere from 2% cash back on everything to 5% cash back in certain spending categories, but some of these credit cards can even earn up to 10% back. Each credit card on this list is a no annual fee credit card, so any cash back is going to be pure profit back into your pocket.

The best cash back setup is one that keeps things simple, without the confusing things that a travel credit card setup might have. That means that you can just add a few of these best cash back credit cards to your wallet, spend normally, and collect cash back without overthinking too much. If you can use multiple credit cards from this video and you spend with them in the right categories, you will easily earn hundreds of dollars of cash back annually!

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The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[Daniel_Braun]

To explain the “card I can’t mention” that I talked about in the video because I’ve received a few comments about it.

The videos here on my channel are 100% free and always will be. The goal of these videos is to educate as many people as possible about credit cards, points and miles, and smart money habits. In order to make the best possible content, I dedicate countless hours every week to research and write these videos all by myself. I also pay an editor who is much better at editing videos and helps to make them high quality.

To make any money to support this free content, myself and other creators look to other forms of monetizing such as YouTube ads, sponsors, and affiliate marketing to name a few. For this channel, affiliate marketing is obviously a big part of that and comes in the form of affiliate links that are often in the descriptions of my videos. These affiliate links lead viewers to websites that allow them to sign up for certain products like credit cards. When that happens, that information is tracked and I receive a commission for someone signing up for that credit card. These links are 100% optional and I actually encourage anyone that uses them to check those links as well as any other public offers to find the best deals and the best sign up bonuses for themselves. There is a disclaimer for this in the description of every video as well and I try to be open about how this stuff works.

In this video, I mentioned 10 credit cards that made this list (plus the bonus credit card that I couldn’t mention by name). Only 3 of these cards were able to be directly linked to with these affiliate links based on what I have access to at the moment. These 3 affiliate links can be found in the video description. For the remaining 7 credit cards and 1 bonus credit card, I do not have direct affiliate links for those. I do have a link to a general credit card page where offers for some other cards may be available, so I post that link in the description as well.


These restrictions with affiliate links are always changing and are one of the challenges that I try to navigate as best as I can. Many of the credit cards that I mentioned here will actually generate $0 in revenue for me anyway (for example I do not receive commissions for the PayPal Mastercard, Citi cards, and Wells Fargo cards at the moment). All cards that made this list in this video were determined without revenue in mind. Believe me, there are plenty of other really bad credit cards from bad issuers that would pay me more, but I will never include those cards on these lists. I also NEVER accept upfront payments from any 1 credit card issuer to talk about them more favorably than another. I have no direct contact with anyone at any of these credit card companies, and any money I make from credit card links comes on the back end from the affiliate commissions through third party affiliate networks that I am a part of.

This is the first time that I have referenced this card in that way because I have seen other content creators refer to it the same way. But in the future to avoid any further confusion, what I am going to do is just not post affiliate links in videos where this card is talked about by name. That way I can just freely discuss the benefits of this card without worrying about breaking compliance rules.

Hopefully all of that makes sense because I want this channel to be the most transparent resource for credit card and personal finance content. I will be making an income breakdown video in the near future to discuss this kind of stuff in more detail. As always I can’t say thank you enough to all of you that watch and support my channel! Please don’t hesitate to reach out to me on IG or via the email on my channel page if you want to learn more about how I run things. I want this to be an open community of like-minded people! 👍

-Daniel

[EthanPatrick_CreditCards]

I honestly respect Daniel for bringing up the mystery card (the Discover It Cashback). The card is not in his affiliate network, which is partly how credit card creators make their living, but he mentioned it anyway because it’s a good card and wanted people to know about it.

I saw some people in the comments wondering what’s going on, or why he would do that. From a fellow creator’s perspective he’s trying to do everyone a favor by mentioning a card that doesn’t benefit him at all to mention.

[Jnaszty]

My favorite cash back card right now is the the Citi custom cash as I use it for only gas and gas is expensive currently. So helps to get 5% cash back

[SpencerJohnsonOfficial]

I can definitely see myself picking up a few of these cards down the line. Even though I'm all in on team travel right now, the simplicity of a cash-back setup sounds nice sometimes. And side note: those credit union cards are super underrated too! Great video as always Daniel 👊🏼

[MannyCovington]

Even as a travel/points focused card user, I still have a couple of cash back cards on this list and they're great! Cashback sometimes is the better way to go depending on where you are in your journey! Great video Daniel!

[shemuwelruss]

I just got the Citi DC and it’s offering $200 cash back after $1, 500 in purchases in the first 6 months!

[MattWelterOfficial]

Love this list Daniel! The Chase Freedom Cards are always two of my favorite Cash-Back Cards, but there has been a lot of buzz for Cards like the Savor One (for good reason) as part of the Cap One Duo so love to see that Card here on the list as well. I personally don't have the Custom Cash, but get a ton of value out of it as my Gas Station Card within my 2 Player Setup with my wife. Great video as always Daniel!

[kennethbatts]

Discover It is the card that must not be named! 🤣🤣🤣

[brenley]

great video as always, daniel! love the flexibility of the chase freedom cards being able to be travel points-earning cards for some and simple cash-back cards for others. although i'm team travel over cash back, i definitely still rotate some cash back cards in my wallet every now and then!

[TylerLyman-hn]

You should look at the Cash Plus Visa Signature Card from US Bank

[kljamison]

I am grateful I have the top 2 credit cards!!!

[JordanGoodOfficial]

Hi Daniel! Thank you so much for always giving us straightforward and informative content. You've changed my game plan on how I use my credit cards and I have better control over my finances!

[HighResGlassPics]

Annoying the Citi Custom Cash doesn't work at Costco Gas because it's a Mastercard though. I was so annoyed when I realized that at the Pump the other day. The Costco Citi card might deserve to be on the list for this reason.

[axelgonzalez]

Haha great list ! I keep it simple I use the citi double cash & citi custom cash .

[fernandosilva]

I’m more team travel but I’m a freedom flex guy for sure

[poojaparis]

Hey Daniel, what do you think of Bilt Credit card?

[InMyBrz]

THE BIGGEST PROBLEM I see with these card discounts for GROCERY STORES is that MOST of them DO NOT INCLUDE stores like Walmart, Sam's Club, Costco
BUT they DO NOT NAME the stores they DO consider, have only seen Kroger mentioned
What about SAVE-A-LOT, ALDI, PUBLIX, DOLLAR STORE, DOLLAR GENERAL, WINN-DIXIE ???

[ANARCHY-nrlq]

Great vid. Time stamps would be amazing tho

[JonnyViciusPunk]

I am watching this video to compare Mexican credit cards and american credit cards and american are way better; most of them with a sign up bonus and no annual fee, that is amazing!

[sjg]

The Freedom Flex is a good card, but sometimes the categories aren't very good. Q4'23 as an example isn't great. Chase can do better. Thanks for the video Dan, especially for those on Team Cash Back.