Mejores tarjetas de crédito con reembolso en efectivo (cash back) de 2026
Dinero de vuelta por lo que ya compras. Ordenadas por lo que cada tarjeta paga en gastos diarios, teniendo en cuenta la cuota anual.
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Ordenadas por las condiciones publicadas de la tarjeta, nunca por lo que paga un emisor.
Las 10 mejores tarjetas · Ver las 43 en la lista completa
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American ExpressAmerican Express Blue Cash Preferred CardReembolso en efectivo (cash back)
6% US supermarkets (up to $6k/yr) & select streaming, 3% transit & US gas, 1% else
- Cuota anual
- $95/año
- APR inicial
- 0% for up to 18 months on purchases and balance transfers (Amex says it can be as short as 6 months)
- APR regular
- 19.74%–28.74% variable
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U.S. BankU.S. Bank Cash+ Visa SignatureReembolso en efectivo (cash back) · 
5% on two categories you choose (up to $2k/qtr), 2% one everyday category, 1% else
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 15 billing cycles on purchases and balance transfers
- APR regular
- 17.99%–28.24% variable
- Bono de bienvenida
- $200 after $1,000 spend
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PenFed Credit UnionPenFed Platinum Rewards Visa SignatureReembolso en efectivo (cash back) ·
5x gas/EV charging, 3x grocery/restaurants/TV-radio-cable-streaming, 1x else
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 12 months on balance transfers made in the first 60 days
- APR regular
- 17.99% variable
- Bono de bienvenida
- 15,000 points after $1,500 spend in 90 days
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SynchronyVerizon Visa CardReembolso en efectivo (cash back) ·
4% gas, grocery & dining, 4% Verizon store purchases, 1% else (as Verizon Dollars)
- Cuota anual
- Sin cuota
- APR regular
- 22.24%, 27.24% or 33.24% variable
- Bono de bienvenida
- $150 statement credit after first purchase in 90 days
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RobinhoodRobinhood Gold CardReembolso en efectivo (cash back) ·
3% cash back on all categories (Robinhood Gold membership required)
- Cuota anual
- Sin cuota
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ChaseChase Freedom UnlimitedReembolso en efectivo (cash back) ·
1.5% everything, 3% dining & drugstores, 5% Chase Travel
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 15 months on purchases and balance transfers
- APR regular
- 18.49%–27.99% variable
- Bono de bienvenida
- $200 bonus after $500 spend in 3 months
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ChaseChase Freedom FlexReembolso en efectivo (cash back) · 
5% rotating quarterly categories, 3% dining & drugstores, 1% else
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 15 months on purchases and balance transfers
- APR regular
- 18.49%–27.99% variable
- Bono de bienvenida
- $250 bonus after $500 spend in 3 months
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Capital OneCapital One Savor Cash RewardsReembolso en efectivo (cash back) ·
3% dining, entertainment, popular streaming & grocery stores, 1% else; 5% hotels/vacation rentals/rental cars via Capital One Travel
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 12 months on purchases and balance transfers
- APR regular
- 18.74%–28.74% variable
- Bono de bienvenida
- $200 after $500 spend in 3 months
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PNCPNC Cash Rewards VisaReembolso en efectivo (cash back) ·
4% gas, 3% dining, 2% grocery (on the first $8,000 combined each year), 1% else
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 15 months on balance transfers made in the first 90 days
- APR regular
- 18.74%–28.74% variable
- Bono de bienvenida
- $250 after $1,000 spend in 3 months
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U.S. BankU.S. Bank Altitude Go Visa SignatureReembolso en efectivo (cash back) ·
4x dining, 2x grocery/gas/streaming, 1x else
- Cuota anual
- Sin cuota
- APR inicial
- 0% for 15 billing cycles on purchases and balance transfers
- APR regular
- 17.74%–27.74% variable
- Bono de bienvenida
- 20,000 bonus points
Condiciones revisadas el 26 de octubre de 2026 en el sitio del propio emisor. Las tasas y ofertas cambian; las condiciones finales están en la página del emisor.
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