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Compare 3% cashback credit cards

Earn cash back on specific purchase categories

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Our pick for up to 6% cashback: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo

Up to 6%

Cash back

  • Industry-leading cash back on everyday purchases
  • Huge limited-time welcome offer and $0 intro annual fee for the first year (then $95)
  • Limited-time offers expire December 10, 2020
Apply now
See rates & fees

Based on your monthly expenses, you can get a 3% cashback credit card and earn money on groceries, dining, entertainment, gas or travel. In addition to cash back, these cards often come with a signup bonus, a long intro APR on purchases and no annual fees.

Consider these 3% cashback credit cards

When choosing a 3% cashback credit card, you might come across cards with cashback categories similar to the following examples.

Get this card if: You spend in family categories
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 20%
Cash back
$100
Welcome offer
Families who spend up to $6,000 on groceries could find the no-annual-fee Blue Cash Everyday® Card from American Express to be a solid choice. You get to earn high cash back on purchases from US supermarkets, US gas stations and purchases at select US department stores.

You also get a long intro APR period on purchases, a decent welcome offer, purchase protection, travel and car rental insurance.

  • Cash back. Earn 3 cash back on up to $6,000 in purchases at US supermarkets annually - 1 after that - and 2 back on gas from US stations and purchases at select US department stores. You'll earn 1 back on everything else you buy. Cash back comes in the form of Reward Dollars that you can redeem for statement credit, gift cards and merchandise.
  • Welcome offer. Earn $100 cash back when you spend $1,000 in your first 6 months of account opening. Also earn 20% back on Amazon.com purchases, up to $200 total within your first 6 months.
  • Intro APR period. The card comes with a 0% intro APR period on purchases for the first 15 months from your account opening. Once the intro period passes, your rate reverts to 13.99% to 23.99% variable
  • Purchase protection. Get up to 120 days and $1,000 per occurrence of purchase protection on eligible items against damage or theft.
  • No annual fee. All the cash back you earn is a pure reward to your account as you won't have to pay an annual fee.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer 20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
Rewards 20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases

Get this card if: You often dine out
Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$200
Welcome offer
With the Capital One® SavorOne® Cash Rewards Credit Card you earn a high cashback rewards rate on dining, entertainment purchases and at grocery stores. A signup bonus that's easy to get and a long intro APR period on purchases make this a good pick. And if you plan to use this card abroad, you won't pay a foreign transaction fee.
  • Cash back. Earn 3 cash back on dining and entertainment purchases - including tickets for movies, sporting events, concerts, theme parks, dance clubs, bowling alleys and more - 2 back at grocery stores and 1 back on everything else you buy. Redeem as statement credit or a check.
  • Signup bonus. Spend $500 on purchases during your first 3 months of card membership and get a $200 bonus.
  • Intro APR period. Use the 0% intro APR period for 15 months following your account opening on purchases. After that, a variable APR of 15.49% or 25.49% applies.
  • No foreign transaction fees. You won't pay any fees for transactions made outside of the US.
  • No annual fee. The card comes without an annual fee.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 15.49% or 25.49% variable)
Balance transfer APR 15.49% or 25.49% variable
Welcome offer $200 after spending $500 in the first 3 months
Rewards 5% cash back on Uber Eats, 3% on dining and entertainment, 2% at grocery stores and 1% on all other purchases

Get this card if: You're looking for a strong welcome offer
Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 3x
Points
20,000
Points welcome offer
The Wells Fargo Propel American Express® Card is one of the rare 3% cashback credit cards that offers a welcome offer of 20,000 points valued at $300. But that's not all this card has to offer — you get accelerated cash back on multiple categories, a long intro APR period on balance transfers and purchases and no foreign transaction fees.
  • Welcome offer. Spend $1,000 on purchases in the first 3 months of card membership and get 20,000 bonus points worth $300.
  • Reward points. Earn 3x points on eating out and ordering in: gas, rideshares and transit, also in flights, hotels, homestays and car rentals and on popular streaming services. On everything else you buy, you'll earn 1x points. Redeem points for cash back, travel, gift cards and more.
  • Intro APR period. Get a 0% intro APR on balance transfers and purchases for 12 months following your account opening. After that, your rate reverts to a variable 14.49% to 24.99%.
  • No foreign transaction fees. This card can be a great travel companion. Not only for its high rewards rate on travel purchases, but because you can use your card when traveling abroad without worrying about foreign transaction fees.
  • No annual fee. You get the card and all of its perks and features without paying an annual fee.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Balance transfer APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Welcome offer 20,000 points after spending $1,000 in the first 3 months
Rewards 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

Get this card if: You spend a lot on gas
Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (720-850)
Read review
720
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$200
Welcome offer
If your annual expenses mostly revolve around gas, groceries and wholesale clubs — the Bank of America® Cash Rewards Credit Card could be worth considering. You'll earn accelerated cash back on these categories and, if you enroll in the Preferred Rewards program, you can boost your earnings up to 75%. In addition to cash back, you get a generous signup bonus, a long intro APR on purchases and balance transfers and you won't pay an annual fee.
  • Cash back. Earn 3 cash back on a category you choose and 2 back at grocery stores and wholesale clubs on up to $2,500 in combined purchases quarterly. For everything else you buy, and after you reach your quarterly cap, get 1 back.
  • Signup bonus. Spend $1,000 on purchases during the first 90 days of card membership and get $200 in online cash bonus.
  • Intro APR period. Enjoy a 0% intro APR on purchases and balance transfers for 15 statement closing dates following your account opening. After that, a variable APR of 13.99% applies.
  • Bank of America Preferred Rewards. Redeem your cash back into a Bank of America checking or savings account and get a 10% bonus. Enroll in Bank of America Preferred Rewards and get a bonus between 25% and 75%.
  • No annual fee. You won't pay an annual fee for this card.
Annual Fee $0
Purchase APR 0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Balance transfer APR 0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Welcome offer $200 after spending $1,000 in the first 90 days
Rewards 3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else

Get this card if: You're new to credit but have strong finances
Deserve® PRO

Deserve® PRO logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 3%
Cash back

Welcome offer
If you're relatively new to credit, but are responsible with your money, you may still qualify for a 3% cashback credit card. The Deserve® PRO allows those who are newer to credit to earn accelerated cash back on travel and dining. With this card, you also won't pay foreign transaction fees or an annual fee.
  • Cash back. Get 3 cash back on travel and entertainment purchases and 2 back on dining for up to 500 in combined purchases each billing cycle. After that, and for everything else you buy, you get 1 back.
  • No foreign transaction fees. When you use your card outside of the US you won't pay any foreign transaction fees.
  • No annual fee. The card comes without an annual fee.
Annual Fee $0
Purchase APR 15.99% to 22.99% variable
Balance transfer APR N/A
Welcome offer One-year Priority Pass™ Select membership when you spend $1,000 on purchases in the first 90 days
Rewards 3% back on travel and entertainment and 2% on dining up to $500 combined each billing cycle, then 1% after that and on all other purchases

Compare 3% cashback credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
TD Cash Credit Card
$150 after spending $500 in the first 90 days
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from creditcards.com
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See terms
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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How to compare 3% cashback credit cards

Getting a 3% cashback credit card can save you money on your everyday purchases. But to find the right one for your needs, consider:

  • Do you mostly spend on groceries? The Blue Cash Everyday® Card from American Express could be a good fit. Aside from groceries from US supermarkets, you earn accelerated cash back on gas from US stations and at select US department stores.
  • Do you dine out frequently? With its 3% cash back on dining and entertainment, the Capital One® SavorOne® Cash Rewards Credit Card could be worth considering.
  • Do you want the highest welcome offer? The Wells Fargo Propel American Express® Card offers the highest welcome offer you can get with a similar card. But it also has a relatively high ceiling to clear the bonus compared to other cards.
  • Do you spend a lot on gas? If you do, the Bank of America® Cash Rewards Credit Card could be the right choice. Plus you get a decent cashback rate on groceries and at wholesale clubs.
  • Are you new to credit? For those with strong finances but are just now getting a credit card, the Deserve® PRO might be a decent choice. It lets you earn accelerated cash back on travel, entertainment and dining.

Bottom line

Having a 3% cashback credit card can help you earn accelerated rewards either on one or two categories. These often include groceries, gas, dining, travel and entertainment. In addition to cash back, most of these cards come with a signup bonus and an intro APR period on balance transfers and purchases.

However, you can always check out other cashback credit cards to compare your options until you find the right card for your needs.

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