lemonope

2026 年最佳返现信用卡

日常消费也能拿钱回来。按各卡在日常花销上的返现多少排序，并已考虑年费。

你通过本页部分链接申请时，lemonope 可能获得报酬。这绝不会影响所展示的信息、卡片排序或我们收录哪些卡。我们如何盈利

按卡片公布的条款排序，绝不看发卡机构付了多少钱。

精选 10 张卡 · 在完整榜单中查看全部 43 张

American ExpressAmerican Express Blue Cash Preferred Card返现

6% US supermarkets (up to $6k/yr) & select streaming, 3% transit & US gas, 1% else

年费
$95/年

优惠期年利率
0% for up to 18 months on purchases and balance transfers (Amex says it can be as short as 6 months)

常规年利率
19.74%–28.74% variable

申请详情
U.S. BankU.S. Bank Cash+ Visa Signature返现 ·

5% on two categories you choose (up to $2k/qtr), 2% one everyday category, 1% else

年费
无年费

优惠期年利率
0% for 15 billing cycles on purchases and balance transfers

常规年利率
17.99%–28.24% variable

开卡奖励
$200 after $1,000 spend

申请详情
PenFed Credit UnionPenFed Platinum Rewards Visa Signature返现 ·

5x gas/EV charging, 3x grocery/restaurants/TV-radio-cable-streaming, 1x else

年费
无年费

优惠期年利率
0% for 12 months on balance transfers made in the first 60 days

常规年利率
17.99% variable

开卡奖励
15,000 points after $1,500 spend in 90 days

申请详情
SynchronyVerizon Visa Card返现 ·

4% gas, grocery & dining, 4% Verizon store purchases, 1% else (as Verizon Dollars)

年费
无年费

常规年利率
22.24%, 27.24% or 33.24% variable

开卡奖励
$150 statement credit after first purchase in 90 days

申请详情
RobinhoodRobinhood Gold Card返现 ·

3% cash back on all categories (Robinhood Gold membership required)

年费
无年费

申请详情
ChaseChase Freedom Unlimited返现 ·

1.5% everything, 3% dining & drugstores, 5% Chase Travel

年费
无年费

优惠期年利率
0% for 15 months on purchases and balance transfers

常规年利率
18.49%–27.99% variable

开卡奖励
$200 bonus after $500 spend in 3 months

申请查看预批准详情
ChaseChase Freedom Flex返现 ·

5% rotating quarterly categories, 3% dining & drugstores, 1% else

年费
无年费

优惠期年利率
0% for 15 months on purchases and balance transfers

常规年利率
18.49%–27.99% variable

开卡奖励
$250 bonus after $500 spend in 3 months

申请查看预批准详情
Capital OneCapital One Savor Cash Rewards返现 ·

3% dining, entertainment, popular streaming & grocery stores, 1% else; 5% hotels/vacation rentals/rental cars via Capital One Travel

年费
无年费

优惠期年利率
0% for 12 months on purchases and balance transfers

常规年利率
18.74%–28.74% variable

开卡奖励
$200 after $500 spend in 3 months

申请查看预批准详情
PNCPNC Cash Rewards Visa返现 ·

4% gas, 3% dining, 2% grocery (on the first $8,000 combined each year), 1% else

年费
无年费

优惠期年利率
0% for 15 months on balance transfers made in the first 90 days

常规年利率
18.74%–28.74% variable

开卡奖励
$250 after $1,000 spend in 3 months

申请详情
U.S. BankU.S. Bank Altitude Go Visa Signature返现 ·

4x dining, 2x grocery/gas/streaming, 1x else

年费
无年费

优惠期年利率
0% for 15 billing cycles on purchases and balance transfers

常规年利率
17.74%–27.74% variable

开卡奖励
20,000 bonus points

申请详情