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 $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.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%
  • $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 Filter values
$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
Earn $250 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 $ 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

Uber Visa Card

Uber Visa Card

  • Get this card if: You spend in dining and travel.

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.

Savor® Rewards from Capital One®

Savor® Rewards from Capital One®

  • Get this card if: You look for a high signup bonus.

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.

Costco Anywhere Visa® Card by Citi

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
Apply now

  • 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 2019

Despite having a higher signup bonus potential, we switched the Discover it® Cash Back card with the Savor® Rewards from Capital One®. That’s because you need to spend $5,000 with the Discover it® Cash Back to earn the same bonus as opposed to $3,000 with the Savor card.

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

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