Money

top cashback cards of August 2025

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American Health & Wealth Rankings

Choosing a credit card can be complicated. At American Health & Wealth, our goal is to make the process easy for you. We've highlighted the top credit cards in each category. You’ll also find information about annual percentage rates, fees, rewards programs and other important factors to consider before applying for a credit card.

American Health & Wealth' top cashback cards of August 2025

Citi Custom Cash® Card

4.8

American Health & Wealth' Rating in Citi Custom Cash® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
$0
Regular APR
18.49%-28.49% Variable APR

Product Details

Highlights
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-28.49% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • 5% bonus categories
  • Intro APR Period

Cons

  • Low rate outside bonus categories

Citi Double Cash® Card

4.8

American Health & Wealth' Rating in Citi Double Cash® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
$0
Regular APR
18.49%-28.49% Variable APR

Product Details

Highlights
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-28.49% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • High rewards rate
  • Intro balance transfer fee

Cons

  • No intro APR period on purchases

Costco Anywhere Visa® Card by Citi

4.8

American Health & Wealth' Rating in Costco Anywhere Visa® Card by Citi

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Excellent Credit
Intro Bonus
N/A
Annual Fee
$0
Regular APR
19.74%-27.74% Variable APR

Product Details

Highlights
  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Excellent Credit

  • Annual Fee

    $0

  • Regular APR

    19.74%-27.74% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

Our Take

Pros

  • No annual fee
  • Bonus categories
  • No foreign transaction fees

Cons

  • Must be a Costco member
  • Limited redemptions

Discover it® Cash Back

4.8

American Health & Wealth' Rating in Discover it® Cash Back

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Annual Fee
$0
Regular APR
18.49%-27.49% Variable APR *Rates as of December 12, 2024.

Product Details

Highlights
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 12, 2024.
  • Terms and conditions apply.
  • View Rates and Fees
Product Details

  • Issuer Name

    Discover

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-27.49% Variable APR *Rates as of December 12, 2024.

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $5

Our Take

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

Cons

  • Complicated rewards
  • Spending caps on bonus rewards
  • Lower acceptance abroad

Discover it® Chrome

4.8

American Health & Wealth' Rating in Discover it® Chrome

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Annual Fee
$0
Regular APR
18.49%-27.49% Variable APR *Rates as of December 12, 2024.

Product Details

Highlights
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Get a 0% intro APR for 18 months on balance transfers. Then 18.49% to 27.49% Standard Variable APR applies, based on credit worthiness. Rates as of December 12, 2024.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee.
  • Terms and conditions apply.
  • View Rates and Fees
Product Details

  • Issuer Name

    Discover

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-27.49% Variable APR *Rates as of December 12, 2024.

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $5

Our Take

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

Cons

  • Low rewards rate
  • Spending caps on bonus rewards
  • Lower acceptance abroad

Bank of America® Customized Cash Rewards credit card

4.8

American Health & Wealth' Rating in Bank of America® Customized Cash Rewards credit card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Annual Fee
$0
Regular APR
18.24%-28.24% Variable APR

Product Details

Highlights
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Product Details

  • Issuer Name

    Bank of America

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.24%-28.24% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $4

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • New cardholder bonus offer
  • Rotating bonus categories
  • Relationship rewards for customers
  • Intro APR period

Cons

  • Requires good/excellent credit
  • Complicated rewards
  • Spending caps on bonus rewards
  • Best rewards limited to certain customers

Bank of America® Customized Cash Rewards credit card for Students

4.8

American Health & Wealth' Rating in Bank of America® Customized Cash Rewards credit card for Students

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Annual Fee
$0
Regular APR
18.24%-28.24% Variable APR

Product Details

Highlights
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Product Details

  • Issuer Name

    Bank of America

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.24%-28.24% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $4

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • New cardholder bonus offer
  • Rotating bonus categories
  • Relationship rewards for customers
  • Intro APR period

Cons

  • Requires good/excellent credit
  • Complicated rewards
  • Spending caps on bonus rewards
  • Best rewards limited to certain customers

Bank of America® Unlimited Cash Rewards credit card

4.8

American Health & Wealth' Rating in Bank of America® Unlimited Cash Rewards credit card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
Annual Fee
$0
Regular APR
18.24%-28.24% Variable APR

Product Details

Highlights
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Product Details

  • Issuer Name

    Bank of America

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.24%-28.24% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $4

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • New cardholder bonus offer
  • Intro APR period

Cons

  • Best rewards limited to certain customers
  • No bonus categories
  • Requires good/excellent credit

Bank of America® Unlimited Cash Rewards credit card for Students

4.8

American Health & Wealth' Rating in Bank of America® Unlimited Cash Rewards credit card for Students

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
Annual Fee
$0
Regular APR
18.24%-28.24% Variable APR

Product Details

Highlights
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Product Details

  • Issuer Name

    Bank of America

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.24%-28.24% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $4

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee.
  • New cardholder bonus offer.
  • Intro APR period.

Cons

  • Requires good/excellent credit.
  • Best rewards limited to certain customers
  • No bonus categories.

Blue Cash Everyday® Card from American Express

4.8

American Health & Wealth' Rating in Blue Cash Everyday® Card from American Express

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.
Annual Fee
$0
Regular APR
18.24%-29.24% Variable APR

Product Details

Highlights
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
  • View Rates and Fees
Product Details

  • Issuer Name

    American Express

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.24%-29.24% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $2.7

Our Take

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Bonus categories

Cons

  • Requires good/excellent credit
  • Spending caps on bonus rewards

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