The Best Unlimited Cash Back Credit Card of 2021 Is…

American Express, Cards, Credit, International

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Cashback credit cards can be a great deal–they enable you to earn money back on purchases that you were going to make anyway.

But with so many different cashback card options on the market today, finding the right one for you can be tough.

We’ve put together this article to make it easier for you. Keep reading to find our list of the best cashback credit cards of 2021.

How do cashback credit cards work?

Cashback credit cards are pretty simple–you make purchases with them and get rewarded for doing so in the form of cash. The amount you get is a percentage of the purchases that you make.

For example, if a card offers 2% cashback and you spend $100, you would make $2. These cards give you the chance to earn money by making purchases that you would already be making. 

Some cashback cards, such as the Aspiration Zero, go one step further by offering cashback in addition to environmental benefits, such as planting trees. 

Unlimited cashback vs. limited cashback programs

If you have the option to choose between unlimited cashback and limited cashback, unlimited may be the better choice.

Limited cashback cards put a cap on the maximum amount of rewards that you can earn in a given period of time. Unlimited cards don’t. So when you choose an unlimited card, you don’t put any limits on the bonus amounts that you can get back.

How does cashback work? | PaySpace Magazine

The 7 best unlimited cashback credit cards of 2021

Wells Fargo Active Cash Card

Cashback rewards rate: 2%

Unlimited? Yes

Other Rewards/Offers: New enrollees can earn a $200 cash reward by spending at least $1,000 on purchases within the first three months of getting the card.


  • $0 annual fee
  • No confusing category restrictions to worry about
  • Cash rewards never expire as long as you keep your account open
  • 0% APR for the first 15 months


  • The rewards rate is lower than many specialty cashback cards
  • Need a credit score of at least 690 to qualify

The Wells Fargo Active Cash Card is one of the finest cashback credit cards on the market today. What makes it special is how easy it is. Users don’t have to worry about category restrictions or their rewards expiring. They can simply use the card and get cash back on their purchases — no matter what they are. The downside is that the rewards rate isn’t as high as many specialty cards.

Chase Freedom Unlimited

Cashback rewards rate: 1.5% – 5%

Unlimited? Yes

Other Rewards/Offers: New users can earn a $200 bonus by spending at least $500 within the first 3 months of account opening.


  • Introductory offer of 5% cashback on up to $12,000 spent on groceries in the first year 
  • Earn 5% on Chase travel and 3% on dining and drugstores
  • No annual fee
  • $0 introductory APR for the first 15 months


  • 3% foreign transaction fee
  • APR goes up to 14.99 – 23.74% after the first 15 months

The Chase Freedom Unlimited card is another great option. It offers opportunities to earn extra cashback on specific purchases and has solid introductory offers for new users. The biggest downside is its 3% foreign transaction fee, which means you won’t want to use it abroad.

It’s also worth mentioning that your APR will increase dramatically after your introductory 15 months are complete. But, keep in mind as you’re reading through these, this is true of every cashback card with a low APR introductory offer.

Citi Double Cash Card

Cashback rewards rate: 1-2%

Unlimited? Yes

Other Rewards/Offers: N/A


  • Rewards available for all purchases
  • 0% APR for 18 months
  • $0 annual fee
  • Earn 1% on purchases and another 1% when you pay it back


  • No introductory reward offers
  • Must pay at least the minimum amount on time every month to earn rewards during that time

The Citi Double Cash Card stands out by providing a unique way to earn cashback. Users get 1% when they make a purchase and another 1% when they pay it off. It’s also really simple, you don’t have to worry about categories or product restrictions. The downside is that there are no introductory cash reward offers with this card.

Citi Custom Cash Card

Cashback rewards rate: 1-5%

Unlimited? Yes

Other Rewards/Offers: $200 introductory offer for spending at least $750 on purchases within the first 3 months of opening the account.


  • $0 annual fee
  • Automated rewards (you don’t have to worry about any activations)
  • Boosted 5% rewards in your top spending category each billing cycle
  • 0% APR for the first 15 months


  • Boosted 5% rate is capped at $500 monthly spending (meaning the maximum you can earn from it is $25 each month)
  • You can only get one Custom Cash Card from Citi per account

The Citi Custom Cash Card is another cashback credit card that should be on your radar. Its best feature is its boosted 5% interest rate for your top spending category each month. The downside is that this higher rate is capped, so you can only get a maximum of $25 back with it each month.

Discover It CashBack

Cashback rewards rate: 1-5%

Unlimited? Yes

Other Rewards/Offers: Discover will match all of the cashback you’ve earned at the end of your first year with no minimum spending requirements or maximum rewards.


  • Excellent introductory offer
  • 5% cashback on up to $1,500 in spending each quarter on certain categories
  • $0 annual fee
  • Rewards never expire
  • Can redeem cashback at any time in any amount


  • Activating bonus categories to earn 5% can be annoying
  • Must wait a full year before getting your introductory bonus

The Discover It CashBack card offers a unique introductory offer that stands out as one of the best in its class. The card also offers up to 5% cashback in the categories you activate. It can just be a hassle to remember to activate these rewards.

Another potential annoyance with this option is the fact that you don’t get your bonus right away as you do with other cards. You may end up getting a bigger bonus with this card eventually, you’ll just have to wait a full year to get it.

Capital One SavorOne Cash Rewards Credit Card

Cashback rewards rate: 1-8%

Unlimited? Yes

Other Rewards/Offers: $200 cash bonus after spending $500 within the first 3 months of account opening


  • High rates on both dining and groceries
  • 3% back on streaming and entertainment
  • One of the highest top-end rates for a cashback card on the market
  • No need to activate anything to earn rewards
  • No foreign transaction fees


  • The highest rates are reserved for very specific purchases
  • You may be able to get higher rewards with another card if you spend heavily in a single category

The SavorOne card from Capital One offers great rates on dining, groceries, and entertainment. You also don’t have to worry about activating anything to get these rewards. The downside is, Capital One reserves its highest rates for only very specific purchases.

Chase Freedom Flex

Cashback rewards rate: 1-5%

Unlimited? Yes

Other Rewards/Offers: $200 bonus for spending $500 in the first 3 months.


  • $0 annual fee
  • Rewards as high as 5% in certain categories like groceries
  • 0% introductory APR for the first 15 months
  • No minimum amount requirements for redeeming cashback rewards


  • Have to opt into bonus categories each quarter to get the best rates
  • Bonus categories shift each month, which means they may not always align with your spending

The Chase Freedom Flex is another solid cashback option. It offers a great introductory bonus and doesn’t require you to earn any minimum amounts to claim your rewards. The downside is, you have to activate bonuses each quarter and the categories change each month.

Why Your Small Business Should Use a Cash-Back Card

The best unlimited cashback credit card of 2021 is… Aspiration Zero

If you’re as passionate about the environment as we are, then the Aspiration Zero Card is hands down the finest cashback credit card of 2021.

It stands out by rewarding users for going green. Each time that you use the Aspiration Zero, Aspiration will plant a tree and give you the option of planting one too.

Additionally, you get rewarded for making progress towards carbon neutrality. You’ll earn maximum rewards every month that you meet your carbon goals, and Aspiration will give you a handy app to track your monthly progress towards those goals.

Does the Aspiration Zero offer unlimited cashback? 

Yes! This is one of the best features of the Aspiration Zero card. Even if you don’t do anything at all, you’ll still get 0.5% cashback whenever you use this credit card.

But you can increase your cashback rate to 1% by making more of an effort to combat climate change. If you effectively eliminate your carbon footprint for the month, your purchases in that time frame will earn you 1% cashback.

Want to learn more about the Aspiration Zero card? You can do so and take the first steps towards signing up for it by visiting this link today.

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