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Compare 4% cash back credit cards
These two options can reward you big on dining, entertainment, gas and more.
A closer look at your 4% cashback credit card options
4% card for gas purchases
Costco Anywhere Visa® Card by Citi
Finder rating 3.4 / 5 ★★★★★
|Rewards||4% cash back|
|Minimum Credit Score||740|
4% card with a high signup bonus
Capital One Savor Cash Rewards Credit Card
Finder rating 4.4 / 5 ★★★★★
|Rewards||8% cash back|
|Minimum Credit Score||670|
How do I choose a 4% cashback credit card?
With only two 4% reward cards available, choosing one comes down to asking yourself a few simple questions:
- On which categories do you want to earn most rewards?
The Costco Anywhere Visa® Card by Citi would be a great choice if you want to earn high cashback rate on gas purchases and travel, while the Capital One Savor Cash Rewards Credit Card is better for dining and entertainment purchases.
- Do you want to earn a signup bonus?
You can maximize your earnings during your first year with the Capital One Savor Cash Rewards Credit Card, while the Costco Anywhere Visa® Card by Citi doesn’t have a signup bonus at all.
- Do you want to pay an annual fee?
The Costco Anywhere Visa® Card by Citi doesn’t have an annual fee for the card, but you can’t apply for it if you’re not a Costco member, which is $60 annually. On the other hand, the Capital One Savor Cash Rewards Credit Card doesn’t have an annual fee for the first year, but it does have a $95 annual fee every year after that.
Am I eligible for a 4% cashback card?
To get a 4% cashback card, you need to have at least a good credit score of 670 or higher. The higher your credit score, the higher your chances of approval.
If you’re not there yet, take your time to improve your credit score. This often includes applying only for one card at a time, paying your debt on time, and keeping your debt low.
What are some alternatives to 4% cashback credit cards?
Given the small selection of 4% cards, it may be a good idea to check out the alternatives. Especially if you don’t want to pay an annual fee. Here’s how some of the popular cashback cards compare with a 4% cashback card.
|Capital One Savor Cash Rewards Credit Card||Chase Freedom Flex℠||Citi® Double Cash Card|
|Cash back||2% on all purchases — 1% when you make the purchase and another 1% when you pay it off|
|Signup bonus||Earn $300 when you spend $3,000 in your first 3 months||Earn $200 when you spend $500 in your first 3 months. You can also earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.||No signup bonus|
|Intro APR on purchases||No intro APR period||0% intro APR period on purchases and balance transfers for your first 15 months, after that a variable APR of 14.99% to 24.74%||No intro APR period|
|Intro APR on balance transfers||No intro APR period||No intro APR period||0% intro APR period for the first 18 months, a variable APR 13.99% to 23.99% after that|
In this case, Capital One Savor makes sense only if you spend more money on dining and entertainment than any other category. Of course, you can always consider combining multiple cards and use each card on purchases with the maximum cashback potential.
Compare credit cards with 4% cash back or more
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 categories like groceries, travel or streaming services as well.
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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