Top 3% cash back credit cards | finder.com
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Top 3% cashback credit cards — April 2019

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Ideal for those who want to earn accelerated cash back on a specific category of purchases without paying an annual fee.

Based on your monthly expenses, you can get 3% cash back on groceries, dining, entertainment, gas or travel. In addition to cash back, these cards often come with a signup bonus, a long intro APR on purchases and no annual fees.

Earn up to 3% cash back with the Blue Cash Everyday® Card from American Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms apply.
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Compare 3% cashback credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
Earn 3x points on popular categories. Earn 1x points on other purchases.
16.24% to 27.24% variable
$0
Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months.
Earn 3% cash back on gas and 2% at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter, then 1%. All other purchases earn you 1% cash back.
16.24% to 26.24% variable
$0
Earn more cash back for the things you buy most.
3% back in the category of your choice, 2% at grocery stores and wholesale clubs and 1% on all other purchases
16.24% to 26.24% variable
$0
Earn 2% cash back at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined purchases each quarter. After that and on everything else earn 1% cash back.
1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined purchases each quarter
16.24% to 26.24% variable
$0
1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined purchases each quarter.

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Best 3% cashback credit cards

When choosing the best 3% cashback credit cards we compared several features among eligible cards, including available cashback categories, any limitations associated with categories, welcome offer values, introductory APRs, necessary credit score and other benefits a consumer looking for a 3% cashback card might weigh when making their selection. The cards below stood out above the others in terms of performance in one or several of these categories, earning a spot on our list.

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Best for families: Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms apply.
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Families that spend up to $6,000 on groceries could find the no-annual-fee Blue Cash Everyday® Card from American Express to be a solid choice. You get to earn high cash back on purchases from US supermarkets, US gas stations and purchases at select US department stores.

You also get a long intro APR period on balance transfers and purchases, a decent welcome offer, purchase protection, travel and car rental insurance.

Best credit card for dining: SavorOne℠ Rewards from Capital One®

SavorOne℠ Rewards from Capital One®

Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

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With the SavorOne℠ Rewards from Capital One® you earn a high cashback rewards rate on dining, entertainment purchases and at grocery stores. A signup bonus that’s easy to get and a long intro APR period on balance transfers and purchases make this a good pick. And if you plan to use this card abroad, you won’t pay a foreign transaction fee.

Best welcome offer: Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card

  • Accelerated rewards on gas, dining and travel
  • Rewards on streaming services like Netflix, Hulu and Apple Music
  • No annual fee
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The Wells Fargo Propel American Express® Card is one of the rare no-annual-fee cards that offers a welcome offer of 30,000 points valued at $300. But that’s not all this card has to offer — you get accelerated cash back on multiple categories, a long intro APR period on balance transfers and purchases and no foreign transaction fees.

Best credit card for gas: Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card

Earn more cash back for the things you buy most.

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If your annual expenses mostly revolve around gas, groceries and wholesale clubs — the Bank of America® Cash Rewards credit card could be worth considering. You’ll earn accelerated cash back on these categories and, if you enroll in the Preferred Rewards program, you can boost your earnings by up to 75%. In addition to cash back, you get a generous signup bonus, a long intro APR on purchases and balance transfers and you won’t pay an annual fee.

Best credit card for fair credit score: Deserve® PRO

Deserve® PRO

Earn 3% cash back on travel and entertainment and 2% at restaurants on the first $1,000 spent on purchases each billing cycle (then 1%). Earn 1% on all other purchases.

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If you had credit difficulties in the past, you may still qualify for a cashback card. The Deserve® PRO allows those with a fair credit score a potential to earn accelerated cash back on travel and dining. With this card you also won’t pay foreign transaction fees or an annual fee.

How to compare 3% cash back credit cards

  • Do you mostly spend on groceries? The Blue Cash Everyday® Card from American Express would be the best choice in this case. Aside from groceries from US supermarkets, you earn accelerated cash back on gas from US stations and at select US department stores.
  • Do you dine out frequently? With its accelerated cash back on dining and entertainment, the SavorOne℠ Rewards from Capital One® could be worth considering.
  • Do you want the highest welcome offer? The Wells Fargo Propel American Express® Card offers the highest welcome offer you can get with a similar card. But it also has a relatively high ceiling to clear the bonus compared to other cards.
  • Do you spend a lot on gas? If you do, the Bank of America® Cash Rewards credit card could be the right choice. Plus you get a decent cashback rate on groceries and at wholesale clubs.
  • Do you have a fair credit score? For those who had credit difficulties in the past, the Deserve® PRO would be a decent choice. It lets you earn accelerated cash back on travel, entertainment and dining.

Bottom line

The 3% cashback credit cards help you earn accelerated rewards either on one or two categories. These often include groceries, gas, dining, travel and entertainment. In addition to cash back, most of these cards come with a signup bonus and an intro APR period on balance transfers and purchases.

However, you can always check out other cash back credit cards to compare your options until you find the right card for your needs.

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