Обновлено в мае 2026
Best Cash Back Credit Cards of 2026
Simple, reliable cash back with no points games. These cards return maximum value with minimum complexity.
Рейтинги
Топ 8 Best Cash Back Credit Cards
Citi
Double Cash
$0/yr
~$200 bonus
Приветственное предложение
200 Cash
Потратьте $2K за 6мес
The simplest 2% cash-back card — and a secret travel weapon
Chase
Freedom Unlimited
$0/yr
~$200 bonus
Приветственное предложение
200 Cash
Потратьте $1K за 3мес
The best no-fee catch-all for Chase ecosystem builders
Chase
Freedom Flex
$0/yr
~$200 bonus
Приветственное предложение
200 Cash
Потратьте $1K за 3мес
The no-fee card for maximizing rotating bonus categories
Chase
Ink Cash
$0/yr
~$750 bonus
Приветственное предложение
750 Cash
Потратьте $6K за 6мес
The no-fee business powerhouse for phone bills and office spending
Chase
Ink Unlimited
$0/yr
~$750 bonus
Приветственное предложение
750 Cash
Потратьте $6K за 6мес
Экосистема Chase UR
Capital One
Savor
$0/yr
~$200 bonus
Приветственное предложение
200 Cash
Потратьте $1K за 3мес
Экосистема Capital One Miles
Capital One
Quicksilver
$0/yr
~$200 bonus
Приветственное предложение
200 Cash
Потратьте $1K за 3мес
Экосистема Cash Back
Capital One
Spark Cash Plus
$150/yr
~$1,200 bonus
Приветственное предложение
1,200 Cash
Потратьте $30K за 3мес
Экосистема Cash Back
Сравнение бок о бок
Быстрое сравнение
| Карта | Годовая плата | Бонус за регистрацию | Ценность |
|---|---|---|---|
| $0 | 200 Cash | $200 | |
Freedom Unlimited Chase | $0 | 200 Cash | $200 |
Freedom Flex Chase | $0 | 200 Cash | $200 |
Ink Cash Chase | $0 | 750 Cash | $750 |
Ink Unlimited Chase | $0 | 750 Cash | $750 |
Ценности бонусов являются оценочными. Всегда проверяйте текущие предложения напрямую у эмитента перед подачей заявки.
Which of these is right for you?
Tell us your spend profile and existing cards. Our AI ranks these by actual value to you — approval odds included.
Get My Personal RankingFree · No credit pull · 3 minutes
Часто задаваемые вопросы
Часто задаваемые вопросы
What is the best flat-rate cash back card?
The Citi Double Cash earns an effective 2% on everything (1% when you buy + 1% when you pay) with no annual fee. Paired with a Citi Strata Premier, those rewards convert to ThankYou points worth 1.6–2¢ each, upgrading to a top-tier travel card without the complexity.
Are rotating category cards worth the effort?
The Chase Freedom Flex and Discover it both offer 5% on rotating categories up to $1,500/quarter. If you can align your spending (grocery, gas, PayPal, etc.), that's $300 back annually from rotating categories alone — worth the quarterly activation.
CreditPoints may receive compensation when you are approved for a card through links on this page. Offers and card details are based on publicly available information and may change without notice. Rankings reflect editorial judgment based on first-year value estimates. Not affiliated with any card issuer.