Best cash back credit cards

Flat-rate and category cash back cards ranked for simplicity and real spend patterns, with annual fee and bonus called out.

3 matching cards Verified 2026-08-06

Top pick in category

Summit Cash Rewards

Summit Bank · Everyday spenders who want one card and zero math

Strong odds

Rewards: 2% flat cash back on every purchase
Annual fee: USD 0
Welcome bonus: USD 200 after USD 500 spend in 3 months
APR: 19.24% to 27.24% variable

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Verified 2026-08-06. Placeholder pending affiliate approval.

Fairway Builder Card

Fairway Credit · People with fair scores who want to rebuild with on-time payments

Prequalify

Rewards: 1.5% back while you build credit
Annual fee: USD 0
Welcome bonus: None
APR: 26.99% variable

See if you prequalify

Verified 2026-08-06. Placeholder pending affiliate approval.

Lumen Business Cash

Lumen Commercial · Sole props and small teams with clear office or ads spend

Strong odds

Rewards: 5% cash back on the first USD 25k in office spend categories
Annual fee: USD 0
Welcome bonus: USD 300 after USD 3,000 spend in 3 months
APR: 18.49% to 26.49% variable

View details

Verified 2026-08-06. Placeholder pending affiliate approval.

How we make money: if you open a card through a partner link, we may earn a commission. Category order reflects product fit and fee structure, not payout size.