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
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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.