Ideal for those who spend a lot of money on up to two categories of purchases.
With a 4% cashback credit card, you often earn accelerated rewards on dining, entertainment or gas. In addition, you get to earn high cash back on other categories like groceries, travel or streaming services. However, not every card offers a signup bonus or an intro APR period. That’s why this type of card is made to give you a long-term value.
Our pick for over 4% cash back
Blue Cash Preferred® Card from American Express
Compare 4% cashback credit cards
Best 4% cashback credit cards
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Best for dining and travel: Uber Visa Card
Uber Visa CardRead more
Best credit card for a high signup bonus: Savor® Rewards from Capital One®
Savor® Rewards from Capital One®Read more
Best for gas: Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by CitiRead more
Best for balance transfers: PenFed Platinum Rewards Visa Signature® Card
PenFed Platinum Rewards Visa Signature® CardRead more
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.
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.
Chase credit cards with no foreign transaction fee