In an economic scenario where saving and maximizing benefits are priorities, cashback credit cards stand out as essential financial tools. In 2025, several market options offer attractive rewards, allowing consumers to recover part of the money spent on their purchases.
What is Cashback and how does it Work?
Cashback is a rewards program offered by credit cards that returns a percentage of the amount spent on purchases to the consumer. This percentage varies depending on the card and spending categories, such as groceries, restaurants, travel, and online shopping. For example, if you spend €500 on a card with 2% cashback, you will receive €10 back.
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Besides being a practical way to save money, cashback accumulates as a balance on the card or can be converted into cash or discounts on your bill. In 2025, competition among card issuers has intensified, leading to a wider variety of options for consumers.
Best Cashback Credit Cards in 2025
Citi Double Cash Card
The Citi Double Cash Card offers 2% cashback on all purchases: 1% at the time of purchase and 1% when you pay your bill. There are no limits to cashback accumulation, and the card has no annual fee, making it an ideal choice for those seeking simplicity and efficiency.
Chase Freedom Unlimited
This card is perfect for those who want cashback in specific categories. It offers 5% on travel purchases through Chase Ultimate Rewards, 3% on pharmacies and restaurants, and 1.5% on all other purchases. Additionally, it includes a welcome bonus and an introductory 0% APR period.
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Wells Fargo active Cash Card
One of the best options for unlimited cashback, this card returns 2% on all purchases without an annual fee. It also includes an initial bonus for new customers, along with an interest-free period for purchases and balance transfers.
Amazon Mastercard Platinum
Ideal for frequent Amazon customers, this card offers 3% cashback on purchases from the platform, 2% in categories such as pharmacies and restaurants, and 1% on other expenses. It is a popular choice among consumers who make recurring online purchases.
BTG Pactual Ultrablue Mastercard Black
Focused on high-income clients, this card offers up to 1.7% cashback on international purchases and 1.5% on domestic ones. Its benefits include lounge access and travel insurance, although the annual fee is high.
How to Choose the Best Cashback Credit Card?
Choosing the ideal card depends on your spending profile. Consider the following factors before making a decision:
Cashback Categories: If you spend more on groceries or travel, look for cards that offer benefits in these areas.
Annual fee: Some cards have high fees that can cancel out the cashback benefits. Ensure the annual fee aligns with your spending habits.
Welcome bonus: Many cards offer initial rewards, such as extra cashback after reaching a minimum spend within the first few months.
Extra Benefits: Premium cards may include access to airport lounges, travel insurance, and fee waivers for international transactions.
Tips to Maximize Cashback
Concentrate your Spending: Use a single card to consolidate purchases and maximize accumulated cashback.
Avoid Interest: Pay your bill in full to avoid interest charges, which can exceed your cashback earnings.
Take advantage of promotions: Some card issuers offer seasonal promotions with additional cashback in certain categories.
Understand the Rules: Make sure you understand the terms of use, such as cashback limits and eligible categories.
Why use Cashback Cards in 2025?
Cashback credit cards represent a smart way to save and gain benefits on daily purchases. In 2025, the available options are designed to meet different lifestyles, offering competitive advantages and significant rewards.
By choosing a card that meets your needs, you can turn routine expenses into savings opportunities. To maximize benefits, compare the available options, focus your spending on strategic categories, and keep your finances organized.
