Top 4% cash back credit cards

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

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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 $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • NEW 6% cash back on select U.S. streaming subscriptions.
  • NEW 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms apply.
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Compare credit cards with 4% cash back or more

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
6% cash back at US supermarkets. Rates & fees
Capital One® Savor® Cash Rewards Credit Card
$300 after spending $3,000 in the first 3 months
4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn $300 after spending $3,000 in the first 3 months.
CardMatch™ from creditcards.com
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Chase Freedom®
$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
Earn $150 cash back after spending $500 in the first 3 months from account opening.
Uber Visa Card
$100 Uber Cash after spending $500 in the first 90 days
5% back in Uber Cash on Uber, Uber Eats and JUMP
3% back on dining, hotels and airfare
1% back on all other purchases
$0
Get 5% back in Uber Cash on Uber, Uber Eats and JUMP, 3% back on dining, hotels and airfare and 1% back on all other purchases.

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Best 4% cashback credit cards

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card
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  • 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 Citi

The 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.
Costco Anywhere Visa® Card by Citi
  • Get this card if: You spend much on gas.

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

PenFed Platinum Rewards Visa Signature® Card

  • Get this card if: You’re looking for balance transfers.

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.

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.

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