We asked 4 AI models to recommend the best credit cards for cashback rewards. Here's what GPT-4.1, Gemini, Grok, and Llama agree on.
🏆 AI Consensus Winner: Chase Freedom Unlimited — recommended by 2/4 models
🔴 AI Confidence: LOW — no clear winner
AI Consensus
These products were recommended by multiple AI models:
- Chase Freedom Unlimited
- Citi Double Cash Card
- Discover it Cash Back
- American Express Blue Cash Preferred
What Each AI Recommends
| Rank | GPT-4.1 | Gemini | Grok | Llama |
|---|---|---|---|---|
| 1 | Chase Freedom Unlimited | Chase Freedom Unlimited | Citi Double Cash Card | Citi Double Cash Card |
| 2 | Citi Double Cash Card | Citi Double Cash Card | Wells Fargo Active Cash Card | Chase Freedom Unlimited |
| 3 | Discover it Cash Back | American Express Blue Cash Preferred Card | Chase Freedom Unlimited | Discover it Cash Back |
| 4 | Blue Cash Preferred Card from American Express | Capital One SavorOne Cash Rewards Credit Card | American Express Blue Cash Preferred | Bank of America Cash Rewards |
| 5 | Capital One Quicksilver Cash Rewards Credit Card | Discover it Cash Back | Discover it Cash Back | American Express Blue Cash Preferred |
Best For Your Needs
- Best overall: Chase Freedom Unlimited
- Best free option: Citi Double Cash Card
- Best for small teams: Discover it Cash Back
- Best for enterprises: Chase Freedom Unlimited
Methodology
We asked each AI model: "What are the Best Credit Cards For Cashback Rewards? List your top 5 recommendations."
Models used: GPT-4.1 Nano (OpenAI), Gemini 2.5 Flash (Google), Grok 4.1 Fast (xAI), Llama 4 Scout (Meta). No web search was enabled — these are pure AI opinions based on training data.
The "AI Consensus" shows products mentioned by 2 or more models. The winner is the product that appears most frequently in the #1 position.