The greatest cash back I have seen anywhere is the AMEX Blue Cash Preferred, which gives 6% back on all purchases at grocery stores. This includes purchases of gift cards. So, if the grocery stores you shop at offer gift cards, there will be many ways to expand your 6% cash back. There is an additional bonus of $150 cash back after you make at least $1000 of purchases within the first 3 months of having the card. This is on top of the 6%. Also you receive 3% cash back at department stores and gas stations, and 1% cash back everywhere else. Three caveats I know of: There is a $75 annual fee, which is charged in your first statement. Purchases of groceries from stores like Walmart and Costco do not qualify as they are not coded by AMEX as grocery stores. Cash back can be redeemed only in multiples of $25. I've had this card for a year now, and I have saved myself many hundreds of dollars. More info is here: http://www304.americanexpress.com/getthecard/side-by-side/bluecashever-bluecashpref/28000?ccsgeep=28000&psCCSG=CCSG_Google_LE_Blue Cash Preferred You can apply directly using the link above, or you can let me refer you, and I will receive $75 cash back and you will receive all the benefits mentioned above. If you would like a referral from me, open a conversation with me and send me your first name and email address. Thanks.