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Top 4% cash back credit cards
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
Compare credit cards with 4% cash back or more
Best 4% cashback credit cards
Capital One® Savor® Cash Rewards Credit Card
- Get this card if: You look for a high signup bonus.
If you spend more than $5,000 annually on dining and entertainment, the Capital One® Savor® Cash Rewards Credit Card 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.
Costco Anywhere Visa® Card by CitiThe information about Costco Anywhere Visa® Card by Citi has been collected independently by Finder and and has not been reviewed or provided by the issuer.
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.
PenFed Platinum Rewards Visa Signature® Card
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 we selected our top cards
We looked at all credit cards that offer at least 4% cash back on any category. Then we narrowed those cards down by comparing factors such as their annual fee, intro APR and signup bonus. We highlighted the cards that stood out in one or more category.
What’s changed in 2020
The Capital One® Savor® Cash Rewards Credit Card found a spot as a top card due to its lower spending requirement to earn the same size signup bonus as similar cards.
Also, the Uber card got an upgrade on its rewards structure and now earns a massive 5% cash back on Uber-related purchases instead of the 4% it previously earned on dining.
How to compare 4% cashback credit cards
- Do you want a no-annual-fee card?
The PenFed Platinum Rewards Visa Signature® Card would be a great choice if you want to earn accelerated rewards on gas purchases paid at the pump and at supermarkets without paying an annual fee.
- Do you want high signup bonus?
If you want to maximize your earnings during your first year, the Capital One® Savor® Cash Rewards Credit Card 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 Capital One® Savor® Cash Rewards Credit Card, 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.
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.
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