Top 4% cashback credit cards | finder.com
top 4 (1) (1)

Top 4% cash back credit cards

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Earn big when you spend on dining, entertainment, gas and more.

With a 4% cashback credit card is designed to give you long-term value on everyday spending. This means it’s harder to find a card that offers short-term benefits like a signup bonus or intro APR.

Our pick for over 4% cash back

Blue Cash Preferred® Card from American Express

  • Earn a $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at US gas stations.
  • 1% cash back on other purchases.
  • Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms apply.
Read less
Read more
See Rates & Fees
Promoted

Compare credit cards with 4% cash back or more

Name Product Welcome Offer Rewards Annual Fee
$200 statement credit after spending $1,000 in the first 3 months
6% at US supermarkets on up to $6,000 per year, then 1%. 3% at US gas stations and select US department stores and 1% on all other purchases
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$150 cash back after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$100 after spending $500 on purchases in the first 90 days
4% back on dining, 3% back on travel, 2% back on online purchases and 1% back on everything else
$0
Get 4% back on dining, 3% on travel, 2% on Uber rides and online shopping and 1% on other purchases, and redeem for Uber credits, gift cards or cash back.
Spend $3,000 within the first 3 months of opening your card to score a quick $500 cash bonus.
Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.
N/A
4% at gas stations on up to $7,000 annually, then 1%. 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
$0
Earn Costco cash rewards everywhere Visa® is accepted.

Compare up to 4 providers

Best 4% cashback credit cards

Jump to …

Best for dining and travel: Uber Visa Card

The Uber Visa Card is designed for those who are constantly out — dining, traveling or streaming music and videos. For a no-annual-fee card, you get solid cashback rates on these categories and a decent signup bonus, plus an online subscription credit once you meet certain spending criteria.

Best credit card for a high signup bonus: Savor® Rewards from Capital One®

Savor® Rewards from Capital One®

  • Accelerated cash back on dining and groceries
  • Signup bonus
  • No foreign transaction fees
Read less
Read more
Promoted
If you spend more than $5,000 annually on dining and entertainment, the Savor® Rewards from Capital One® could be a solid addition to your wallet. It lets you earn accelerated cash back on these categories, plus you get a solid signup bonus and no foreign transaction fees.

Best for gas: Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

  • Costco cash rewards everywhere Visa® is accepted
  • Accelerated cash back on gas, dining and travel
  • No foreign transaction fees
Read less
Read more
Promoted
The Costco Anywhere Visa® Card by Citi can be a good choice for those who spend mostly on gas and are frequent Costco shoppers. You won’t get a signup bonus, but you get accelerated cash back on gas, dining, travel and Costco purchases. In the long run, this beats any signup bonus you can get with another card.

Best for balance transfers: PenFed Platinum Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card

  • 0% APR promo balance transfer rate for 12 months now through March 31, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary w/the market based on prime rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • Rate and offers current as of March 1, 2019 and subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases
  • Earn 1 point on all other purchases
  • No annual fee
  • No foreign transaction fees
  • No cash advance fee
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low as 11.99% APR
Read less
Read more
Promoted
If you’re stuck paying a high APR on another card, consider the PenFed Platinum Rewards Visa Signature® Card. You get a long intro APR period on balance transfers, and can earn accelerated rewards on gas purchases made at the pump and on groceries. Redeem for travel bookings to get the highest point value.

How to compare 4% cashback credit cards

  • Do you want a no-annual-fee card?
    The Uber Visa Card would be a great choice if you want to earn accelerated cash back on dining, travel, Uber rideshares, online shopping and streaming services without paying an annual fee.
  • Do you want high signup bonus?
    If you want to maximize your earnings during your first year, the Savor® Rewards from Capital One® would be the way to go. You get to earn a generous signup bonus and high cash back on dining and entertainment purchases.
  • Do you spend mostly on gas?
    With the Savor® Rewards from Capital One®, you get to earn high cashback rate on gas, dining, travel and Costco purchases.
  • Do you want to make balance transfers?
    The PenFed Platinum Rewards Visa Signature® Card offers a long intro APR period on balance transfers, which can be ideal if you’re looking to move your balance and save money on interest.

Compare cash back credit cards with no foreign transaction fees

Bottom line

The 4% cashback credit cards are great for earning accelerated rewards on up to two categories, such as dining, entertainment and gas. Often, you get to earn 3% or 2% back on additional category like groceries, travel or streaming services. And if you’re looking for a solid signup bonus, you may have to pay an annual fee.

If you’re not sure if either of these cards would be a good choice, check out other cashback credit cards and compare your options until you find the right card for your needs.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer for finder.com, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site