what credit cards offer the most cash back
57% Live from a Lounge
35% Your Mileage May Vary
8% Other
When it comes to maximizing cash‑back rewards, a few cards consistently stand out for their high‑percentage returns in specific spending categories.
U.S. Cards with the Highest Cash‑Back Rates
- American Express Blue Cash Preferred® Card delivers 6% cash back on select U.S. streaming subscriptions and up to 6% cash back on U.S. supermarket purchases (capped at $6,000 per year).
- Capital One SavorOne Cash Rewards Credit Card offers a flat 3% cash back on all streaming services without an annual fee.
- Citi Custom Cash® Card automatically applies 5% cash back to your top eligible spending category each billing cycle (up to $500 in spend).
- Citi Double Cash® Card provides a steady 2% cash back on all purchases (earned as 1% when you buy and 1% when you pay).
Indian Cards with the Highest Cash‑Back Percentages
- HSBC Live+ Credit Card gives 10% cash back on groceries, dining and food‑delivery spend (up to INR 1,000 per month) and 1.5% unlimited cash back on other eligible purchases.
- Swiggy HDFC Bank Credit Card rewards 10% cash back on Swiggy app orders (food delivery, Instamart, Dineout) and 5% cash back on a wide range of online merchants.
- Amazon Pay ICICI Bank Credit Card provides 5% cash back on Amazon purchases for Prime members (3% for non‑Prime) and 2% cash back at over 100 Amazon Pay partner merchants.
- SBI Cashback Credit Card offers 5% cash back on most online purchases and 1% cash back on offline spend, with a fuel surcharge waiver of 1% at petrol pumps.
Cards Tailored for Streaming‑Focused Cash‑Back
- American Express Blue Cash Preferred® Card – 6% cash back on select streaming subscriptions.
- Capital One SavorOne Cash Rewards Credit Card – 3% cash back on streaming services.
- Citi Custom Cash® Card – 5% cash back on your highest‑spending category each billing cycle, which can be streaming if it tops your monthly spend.
Live from a Lounge Best Cashback Credit Cards in India [2025]
Cashback credit cards have gained significant traction among Indian credit card users, especially at the entry level, looking for direct monetary benefits from their spending. The Indian credit card market is dynamic, with frequent updates, new product launches, and evolving reward structures. Identifying the “best” cashback credit card is not straightforward, as it depends on individual spending habits and financial priorities. However, several credit cards emerge as strong contenders in the cashback category. These include options offering high flat cashback rates, cards tailored for specific spending categories like online shopping or groceries, and those providing value through co-branded partnerships.
One Mile at a Time Best Credit Cards For Maximizing Grocery & Supermarket Rewards
One of the best ways to maximize your credit card rewards is to pick a card that offers bonus points in the categories that you spend the most in, whether that’s supermarkets, gas stations, airfare, or non-bonused categories. In this post, I’d like to look at the best credit cards for grocery store & supermarket purchases. While everyone has to eat, people are split on this — some people primarily eat out, some people primarily cook, and some people do a combination of both. For those who like to cook, the bonus category of groceries and supermarkets can be
Your Mileage May Vary Stop Earning 1X on Streaming—Use These Credit Cards Instead
Remember when radio and television were free? Sure, we had to sit through commercials, but that was the trade-off. Now, just about everything we watch or listen to comes with a monthly fee. Netflix, Spotify, YouTube TV, SiriusXM—those charges add up quickly. And since these are recurring expenses, they’re exactly the kind of purchases where you should be earning bonus points or cash back. There used to be one card that stood above the rest for streaming purchases. These days, though, there are several solid options—depending on whether you prefer cash back or transferable points. *(Links to
Points Miles and Bling Best Credit Cards for Dining Out & Food Delivery in Canada
After taking a look at groceries and gas station purchases, let’s also consider the best credit cards for dining out and food delivery here in Canada. Like grocery stores, restaurants and other venues can decide which forms of payment to accept and which to decline, so we’ll run through the best overall options and then other good backup options. As usual, cash back cards will make an appearance for those who prefer to collect their rewards in Canadian dollars. “I am Jack’s complete lack of surprise” – is how I feel about recommending the Amex Cobalt card yet