RateHerald

Ranked by cash back on everything else

Cash back credit cards

Cash back cards by what they pay on everything else, the rate that applies to most spending. The top 50 of 148 cards.

Checked Oct 12, 2026

November 2026 listUpdated

14 cards pay 2% on everything else, the most today.

2%on everything else, the most

50​of 148cards on this list

45with no annual fee

No card here matches both. Clear a filter to see more.

Sorted by most cash back on everything else first.

  1. 1Wells Fargo Cash Back Credit CardWells FargoWelcome offer: $100 cash back after $500 in 3 monthsOnce per 48 monthsCash back2% on everything elseAnnual fee$0Yearly value$600
  2. 2Credit One Bank Omni Rewards American Express® CardCredit OneWelcome offer: $200 cash back after $1,000 in 6 monthsCash back2% on everything elseAnnual fee$0Yearly value$600
  3. 3Evergreen Credit CardFNBOCash back2% on everything elseAnnual fee$0Yearly value$600
  4. 4Evergreen® Business Edition® Credit CardFNBOCash back2% on everything elseAnnual fee$0Yearly value$600
  5. 5Personal Credit CardHoosier Heartland State BankCash back2% on everything elseAnnual fee$0Yearly value$600
  6. 6Platinum Visa Card with and without Rewards.1st Community Federal Credit UnionCash back2% on everything elseAnnual fee$0Yearly value$600
  7. 7T-Mobile Visa Credit CardCapital OneCash back2% on everything elseAnnual fee$0Yearly valueNot counted
  8. 8U.S. Bank Business Essentials Visa® CardUS BankWelcome offer: 50,000 points after $5,000 in purchasesCash back2% on everything elseAnnual fee$0Yearly value$600
  9. 9U.S. Bank Smartly™ Visa Cash Back Credit CardUS BankCash back2% on everything elseAnnual fee$0Yearly value$600
  10. 10Capital One Spark 2% Cash PlusCapital OneWelcome offer: $2,000 cash back after $30,000 in 3 monthsNeeds $10,000 a monthOnce per lifetime on this card familyCash back2% on everything elseAnnual fee$150Yearly value$450
  11. 11Ink Business Premier(R) Credit CardChaseWelcome offer: $1,000 cash back after $10,000 in 3 monthsNeeds $3,334 a monthOnce per lifetimeCash back2% on everything elseAnnual fee$195Yearly value$405
  12. 12Graphite™ Business Cash Unlimited CardAmerican ExpressCash back2% on everything elseAnnual fee$295Yearly value$305
  13. 13Capital One Spark Cash CardCapital OneWelcome offer: $1,000 cash back after $10,000 in 3 monthsNeeds $3,334 a monthOnce per lifetime on this card familyCash back2% on everything elseAnnual fee$95 annual fee after your first yearYearly value$505
  14. 14Truist Business Premium Credit CardTruistWelcome offer: 1,000 rewards after $15,000 in 3 monthsNeeds $5,000 a monthCash back2% on everything elseAnnual fee$0 Introductory Annual Fee for the first year, $299 after thatYearly value$300
  15. 15AFA-CWA Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  16. 16AFGE Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  17. 17AFM Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  18. 18AFSCME Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  19. 19AFSCME Primary Access Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  20. 20AFT+ Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  21. 21AFT+ Primary Access Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  22. 22ALPA Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  23. 23APL FCU CLASSIC VISA CARDApl Federal Credit UnionCash back1.5% on everything elseAnnual fee$0Yearly value$450
  24. 24APWU Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  25. 25ATU Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  26. 26Bank of America® Unlimited Cash Rewards Credit CardBank of AmericaWelcome offer: $250 cash back after $1,000 in 3 monthsCash back1.5% on everything elseAnnual fee$0Yearly value$450
  27. 27Bank of America® Unlimited Cash Rewards Credit Card for StudentsBank of AmericaWelcome offer: $250 cash back after $1,000 in 3 monthsCash back1.5% on everything elseAnnual fee$0Yearly value$450
  28. 28Bank of America® Unlimited Cash Rewards Secured Credit CardBank of AmericaCash back1.5% on everything elseAnnual fee$0Yearly value$450
  29. 29BCTGM Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  30. 30BJ’s One® Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly valueNot counted
  31. 31Business Advantage Unlimited Cash Rewards Mastercard® Credit CardBank of AmericaWelcome offer: $500 cash back after $5,000 in 3 monthsCash back1.5% on everything elseAnnual fee$0Yearly value$450
  32. 32Business Advantage Unlimited Cash Rewards Secured Business Credit CardBank of AmericaCash back1.5% on everything elseAnnual fee$0Yearly value$450
  33. 33BECU Business Cash Back Credit CardBECUWelcome offer: $300 cash back after $3,000 in 3 monthsOnce per 12 monthsCash back1.5% on everything elseAnnual fee$0Yearly value$450
  34. 34BECU Business Low Rate Credit CardBECUCash back1.5% on everything elseAnnual fee$0Yearly value$450
  35. 35Capital Credit Union VISA Credit CardCapital Credit UnionCash back1.5% on everything elseAnnual fee$0Yearly value$450
  36. 36Regions Cash Rewards Credit CardRegionsWelcome offer: $100 cash back after $500 in 3 monthsWas $200Cash back1.5% on everything elseAnnual fee$0Yearly value$450
  37. 37Chase Freedom Rise Credit CardChaseWelcome offer: $25 USD statement creditOnce per 24 monthsCash back1.5% on everything elseAnnual fee$0Yearly value$450
  38. 38Chase Freedom Unlimited Credit CardChaseWelcome offer: $200 cash back after $500 in 3 monthsOnce per 24 monthsCash back1.5% on everything elseAnnual fee$0Yearly value$505
  39. 39Citizens Summit World MastercardCitizensCash back1.5% on everything elseAnnual fee$0Yearly value$610
  40. 40CSEA Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  41. 41CWA Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  42. 42IAFF Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  43. 43IAM Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  44. 44IAM Primary Access Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  45. 45IATSE Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  46. 46IBB Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  47. 47IBEW Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  48. 48Ink Business Unlimited Credit CardChaseWelcome offer: $750 cash back after $6,000 in 3 monthsOnce per lifetime on this card familyCash back1.5% on everything elseAnnual fee$0Yearly value$450
  49. 49Ironworkers Cash Rewards Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
  50. 50Ironworkers Primary Access Credit CardCapital OneCash back1.5% on everything elseAnnual fee$0Yearly value$450
See all 148 cards, with sorting and an issuer filterCredit card payoff calculator

We sort by the measure named above and nothing else, and no link here pays us. Values, first-year values included, are for our typical spender ($2,500 a month of spending), from each card’s published terms; “Needs $… a month” marks a bonus whose spending requirement is above that pace. Our pledge