In 2025, smart consumers aren’t just using credit cards for convenience — they’re using them to earn real money back on their daily purchases. From groceries and gas to travel and subscriptions, cashback credit cards are now more powerful and global than ever.
This in-depth guide explores the top 10 cashback credit cards from the USA, UK, Russia, and international banks — highlighting their cashback percentages, eligibility, features, and who should use them.
- Revolut Metal – Global
Cashback:
1% on international purchases
0.1% on domestic (Europe)
Cashback in cryptocurrency or fiat
Features:
Metal card with premium travel perks
No FX fees
Lounge access, travel insurance
Multi-currency account
Best For: Freelancers, digital nomads, crypto investors
Why It’s Unique: One of the few truly global cards with integrated crypto rewards and multi-currency accounts.2. Chase Freedom Unlimited – USA
Cashback:
1.5% on all purchases
3% on dining & drugstores
5% on travel booked via Chase Travel
Features:
$200 bonus for $500 spend in 3 months
0% intro APR for 15 months
No annual fee
Best For: Beginners, daily spenders, travel-savvy users
Why It’s Unique: Offers high flat-rate cashback + bonus multipliers without an annual fee.3. American Express Platinum Cashback Everyday – UK
Cashback:
5% for first 3 months (up to £100)
Then 0.5% to 1.25% depending on spend
Features:
£0 annual fee
Amex Offers for exclusive deals
Global purchase protection
Best For: UK-based shoppers and brand-conscious users
Why It’s Unique: Combines strong short-term bonus with good long-term cashback potential.
- Tinkoff Black – Russia
Cashback:
Up to 30% on partnered offers
3-5% on groceries and cafes
1% standard rate
Features:
Mobile app for tracking rewards
Easy-to-use budget features
Also works as a debit-credit hybrid
Best For: Domestic users and loyal spenders
Why It’s Unique: Russia’s most flexible cashback system with personalized partner offers.
- Citi Custom Cash – USA
Cashback:
5% on top spend category (up to $500/month)
1% on other purchases
Top Categories: Restaurants, gas, groceries, streaming, etc.
Features:
No annual fee
$200 bonus with first $1,500 spend
Automatically adjusts cashback category
Best For: People with focused monthly spending
Why It’s Unique: Automatically applies 5% to your highest spend category, making it low-maintenance.
- Barclaycard Rewards – UK
Cashback:
0.25% cashback on all spend
No FX or foreign transaction fees
Features:
Works globally without markup
Track expenses via app
Widely accepted in Europe
Best For: UK-based international travelers
Why It’s Unique: Simplicity + savings on international spending.
- Discover it® Cashback – USA
Cashback:
5% on quarterly rotating categories (e.g. gas, Amazon, PayPal)
1% on all other purchases
Cashback Match: All cashback doubled after 1 year
Features:
No annual fee
FICO score monitoring
Strong U.S. customer service
Best For: Savvy budgeters and U.S. consumers
Why It’s Unique: First-year double cashback is unmatched in the U.S. market.
- Niyo Global Credit Card – India & International
Cashback:
0.5% to 1% cashback
Zero forex markup
Features:
Best for Indian travelers and students
Free ATM withdrawals abroad
Visa-backed global acceptance
Best For: Indian users living, studying, or working abroad
Why It’s Unique: Combines travel utility + cashback in a single no-forex card.
- Wise (formerly TransferWise) Debit/Credit – Global
Cashback:
Not a direct cashback card but saves you 2–3% in FX fees compared to banks
Features:
Supports 50+ currencies
Works globally
Linked virtual cards
Real mid-market FX rate
Best For: Freelancers, international business owners, frequent travelers
Why It’s Unique: While not traditional cashback, Wise indirectly saves money, which is often more than 1-2% in exchange fees.
- Apple Card – USA
Cashback:
3% on Apple & partners (Uber, Walgreens)
2% via Apple Pay
1% everywhere else
Features:
No fees (annual, late, FX)
Daily cashback, no waiting
Privacy-first card linked to iPhone
Best For: iPhone users and Apple ecosystem lovers
Why It’s Unique: Instant cashback + beautifully integrated with the Apple Wallet app.
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