Top Credit Cards of 2025 Offering Maximum Cashback Rewards
Top Cash Back Credit Cards for Countering Inflation in 2025
Inflation is on the rise, making everyday expenses more costly. To help consumers stretch their purchasing power, several credit cards offer high rewards on essential spending categories such as groceries, gas, streaming, and wholesale clubs. Here are some of the best options for 2025:
- Blue Cash Preferred® Card from American Express
This card offers up to 6% cash back at U.S. supermarkets (on up to $6,000 per year), 6% on select streaming subscriptions, 3% on gas and transit, and 1% on other purchases. It has a $0 intro annual fee for the first year, then $95 thereafter. The card also features a 0% intro APR on purchases and balance transfers for 12 months from the date of account opening.
- Chase Sapphire Preferred® Card
This card is especially useful for grocery delivery and travel-related spending, making it a flexible option for rising costs in those areas.
- Bank of America® Customized Cash Rewards Credit Card
This card is best for wholesale clubs and allows cardholders to choose their 3% cash back category, useful for tailoring to inflation-affected spending.
- Citi Custom Cash® Card
This card offers flexible rewards by automatically adjusting to your highest spending category each month up to a limit, helpful in inflationary environments where spending patterns fluctuate.
- Costco Anywhere Visa® Card by Citi
This card is focused on Costco shoppers, providing good cash back on gas and other Costco purchases.
- Discover it® Cash Back
This rotating bonus category card offers 5% cash back on activated categories each quarter (up to $1,500 quarterly spend, then 1%), which can help counter inflation for specific sectors that rotate, such as groceries or gas.
- SoFi Unlimited 2% Credit Card
This card provides 2% unlimited cash back on all purchases and 3% on travel booked through SoFi Travel. Additionally, cash back can be deposited into SoFi Checking & Savings accounts that yield up to around 3.8% interest, helping rewards keep pace with inflation indirectly through better interest on saved cash.
Many of these cards offer 0% introductory APR for the first 12 months on purchases and balance transfers, helping manage cash flow during inflationary periods. Cards with rotating categories require activation each quarter but can offer substantial rewards in changing inflation-related spending areas. Redeeming rewards into interest-bearing accounts or loans (such as with SoFi) can add an indirect hedge against inflation by providing higher yield on the accrued cash back.
In conclusion, the Blue Cash Preferred® from Amex, Chase Sapphire Preferred®, Bank of America Customized Cash Rewards, Citi Custom Cash®, Discover it®, and the SoFi Unlimited 2% Card stand out as top options for cash back credit cards that help counter inflation through high rewards on essential and flexible spending categories.
- With the increasing costs due to inflation, smart investors might consider diversifying their personal-finance portfolio by trading in crypto via their wallets, as Initial Coin Offerings (ICO) could potentially bring higher returns compared to traditional investing methods.
- To make the most of their high Trading rewards, some cardholders may choose to direct their cash back earnings towards their crypto wallets, thereby combining their personal-finance strategies effectively.
- Additionally, individuals can take advantage of the offered cash back from credit cards, such as the Blue Cash Preferred® from Amex, for financial planning and investing in inflation- protected assets, further safeguarding against the impact of inflation on their overall wealth.
