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Compare 3% cashback credit cards

Earn cash back on specific purchase categories

Updated

Fact checked

Our pick for up to 3% cashback: Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express logo

Up to 3%

Cash back

  • 3% back at US supermarkets on up to $6,000 each year, then 1%
  • Enjoy cash back on gas and at select department stores
  • No annual fee
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.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
Apply now

  • Get this card if: You spend in family categories.
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.

Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

  • Get this card if: You often dine out.
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.

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card

  • Get this card if: You’re looking for a strong 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.

Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card

  • Get this card if: You spend a lot on gas.
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.

Deserve® PRO

Deserve® PRO

  • Get this card if: You’re new to credit but have strong finances.
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.

Compare 3% cashback credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 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
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. 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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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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