Hustle Copilot

Best Cash Back Credit Cards of June 2026

Written by Hustle Copilot Editors, Reviewed by Editorial Team
Last updated on June 29, 2026
FACT CHECKEDEditorial Integrity

Real money. No points to babysit. Cash back is the simplest reward — real dollars back on every purchase, no inflated point math, no transfer partners to learn. Our editors ranked dozens of flat-rate and category-bonus cards to find the best cash back cards of 2026 for everyday spending, groceries, gas, and more.

Best Cards
Cash Back
Travel
0% APR
Business
Build Credit

All-around cash back winner

Why this card stands out

Flat-rate cash back on every purchase with elevated bonus categories — plus a long 0% intro APR window that's rare on no-annual-fee cash back cards.

H
2026 Best All-Around Cash Back Card
Chase Freedom Unlimited card art

Chase Freedom Unlimited

4.8Hustle Score
Apply Now

on Chase's secure site

Rates & Fees
Annual fee
$0
Rewards rate
5% travel via Chase Travel, 3% dining & drugstores, 1.5% everything else
Cashback
Intro offer
Match all cash back at end of year 1 (no cap)
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 months
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 15 months
Regular APR
19.99% – 28.74% variable
H
2026 Best All-Around Cash Back Card
Our pick for: All-around cash back
American Express Gold card art

American Express Gold

4.8Hustle Score
Apply Now

on American Express's secure site

Rates & Fees
Annual fee
$325
Rewards rate
4x dining worldwide & U.S. supermarkets (up to $25k); 3x flights booked direct; 1x else
Cashback
Intro offer
60,000 Membership Rewards after $6,000 in 6 months
Recommended credit score
Good — Excellent
Get your free credit score
Our pick for: Flat-rate cash back
Chase Ink Business Unlimited card art

Chase Ink Business Unlimited

4.7Hustle Score
Apply Now

on Chase's secure site

Rates & Fees
Annual fee
$0
Rewards rate
1.5% unlimited cash back on all purchases
Cashback
Intro offer
$750 cash back after $6,000 spend in 3 months
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
0% intro APR on purchases for 12 months
Regular APR
18.49% – 24.49% variable
Our pick for: Bonus category cash back
Chase Ink Business Cash card art

Chase Ink Business Cash

4.7Hustle Score
Apply Now

on Chase's secure site

Rates & Fees
Annual fee
$0
Rewards rate
5% at office supply stores & on internet/cable/phone services (first $25k); 2% at gas stations & restaurants (first $25k); 1% everything else
Cashback
Intro offer
$750 cash back after $6,000 spend in 3 months
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
0% intro APR on purchases for 12 months
Regular APR
18.49% – 24.49% variable
Our pick for: No annual fee cash back
Citi Double Cash card art

Citi Double Cash

4.7Hustle Score
Apply Now

on Citibank's secure site

Rates & Fees
Annual fee
$0
Rewards rate
2% on everything (1% at purchase, 1% at payment)
Cashback
Intro offer
$200 after $1,500 spend in 6 months
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on balance transfers for 18 months
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Regular APR
18.24% – 28.24% variable
Our pick for: Welcome bonus

Amex Blue Cash Preferred

4.7Hustle Score
Apply Now

on American Express's secure site

Rates & Fees
Annual fee
$0 intro, then $95
Rewards rate
6% U.S. supermarkets (first $6k); 6% streaming; 3% transit & gas; 1% else
Cashback
Intro offer
$250 statement credit after $3,000 spend in 6 months
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Regular APR
18.24% – 29.24% variable
Our pick for: All-around cash back

Capital One Spark Cash Plus

4.6Hustle Score
Apply Now

on Capital One's secure site

Rates & Fees
Annual fee
$150
Rewards rate
2% unlimited cash back on everything; 5% on hotels/rentals via Capital One Travel
Cashback
Intro offer
$2,000 after $30,000 in 3 months
Recommended credit score
Excellent (740+)
Get your free credit score
Our pick for: Flat-rate cash back

Chase Freedom Flex

4.6Hustle Score
Apply Now

on Chase's secure site

Rates & Fees
Annual fee
$0
Rewards rate
5% rotating quarterly categories (up to $1,500/qtr); 5% travel; 3% dining & drugstores
Cashback
Intro offer
$200 after $500 spend in 3 months + 5% on grocery (up to $12k Y1)
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 15 months
Balance transfer intro APR
0% intro APR on purchases for 15 months
Regular APR
19.99% – 28.74% variable
Our pick for: Bonus category cash back

Citi Custom Cash

4.6Hustle Score
Apply Now

on Citibank's secure site

Rates & Fees
Annual fee
$0
Rewards rate
5% on your top-spend category each cycle (up to $500); 1% else
Cashback
Intro offer
$200 after $1,500 spend in 6 months
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 months
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 15 months
Regular APR
18.24% – 28.24% variable
Our pick for: No annual fee cash back

Wells Fargo Active Cash

4.5Hustle Score
Apply Now

on Wells Fargo's secure site

Rates & Fees
Annual fee
$0
Rewards rate
2% unlimited cash back
Cashback
Intro offer
$200 after $500 spend in 3 months
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 12 months
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 12 months
Regular APR
19.74% – 29.74% variable
Our pick for: Welcome bonus

Capital One SavorOne

4.5Hustle Score
Apply Now

on Capital One's secure site

Rates & Fees
Annual fee
$0
Rewards rate
3% dining, entertainment, streaming & groceries; 8% on Capital One Entertainment; 5% hotels via Cap One Travel
Cashback
Intro offer
$200 after $500 spend in 3 months
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 months
Regular APR
19.24% – 29.24% variable
Our pick for: All-around cash back

Amex Blue Business Cash

4.4Hustle Score
Apply Now

on American Express's secure site

Rates & Fees
Annual fee
$0
Rewards rate
2% cash back on first $50,000/yr, then 1%
Cashback
Intro offer
$250 after $3,000 in 3 months
Recommended credit score
Good (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 12 months
Balance transfer intro APR
0% intro APR on purchases for 12 months
Regular APR
18.49% – 26.49% variable
Our pick for: Flat-rate cash back

Discover it Cash Back

4.4Hustle Score
Apply Now

on Discover's secure site

Rates & Fees
Annual fee
$0
Rewards rate
5% rotating quarterly (up to $1,500/qtr); 1% else
Cashback
Intro offer
Cashback Match — doubles all cash back at end of year 1
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases for 15 months
Regular APR
18.24% – 27.24% variable
Our pick for: Bonus category cash back

U.S. Bank Triple Cash Rewards Business

4.3Hustle Score
Apply Now

on U.S. Bank's secure site

Rates & Fees
Annual fee
$0
Rewards rate
3% on gas, EV charging, office supply, cell phone, restaurants; 1% else
Cashback
Intro offer
$500 after $4,500 in 150 days + $100 annual software credit
Recommended credit score
Good to Excellent (670+)
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles
Regular APR
18.24% – 27.24% variable
Our pick for: No annual fee cash back
Chase Freedom Rise card art

Chase Freedom Rise

4.3Hustle Score
Apply Now

on Chase's secure site

Rates & Fees
Annual fee
$0
Rewards rate
1.5% unlimited cash back on all purchases
Cashback
Intro offer
$25 statement credit after enrolling in auto-pay in first 3 months
Recommended credit score
Limited / No credit history
Get your free credit score
Regular APR
26.99% variable
Our pick for: Welcome bonus

Bank of America Customized Cash Rewards

4.3Hustle Score
Apply Now

on Bank of America's secure site

Rates & Fees
Annual fee
$0
Rewards rate
3% in chosen category (gas, online shopping, dining, etc.); 2% groceries & wholesale; 1% else (capped $2,500/qtr combined)
Cashback
Intro offer
$200 after $1,000 spend in 90 days
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles
Our pick for: All-around cash back

Apple Card

4.2Hustle Score
Apply Now

on Goldman Sachs's secure site

Rates & Fees
Annual fee
$0
Rewards rate
3% at Apple, Uber, Walgreens, Nike, etc.; 2% via Apple Pay; 1% physical card
Cashback
Intro offer
None
Recommended credit score
Good — Excellent
Get your free credit score
Our pick for: Flat-rate cash back

Bank of America Unlimited Cash Rewards

4.2Hustle Score
Apply Now

on Bank of America's secure site

Rates & Fees
Annual fee
$0
Rewards rate
1.5% unlimited
Cashback
Intro offer
$200 after $1,000 in 90 days
Recommended credit score
Good — Excellent
Get your free credit score
Purchase intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles
Balance transfer intro APR
0% intro APR on purchases & balance transfers for 15 billing cycles

How we picked these cards

Our Hustle Score (1–5) weighs annual fee vs. rewards, welcome bonus size, APR, credit-needed accessibility, and category-specific perks. We never accept payment for ratings — issuers can't pay to move up the list.

Advertiser Disclosure: Some links are from partners that compensate Hustle Copilot. Compensation may impact placement, never our ratings. Rates verified June 2026 — confirm current terms on the issuer's site.