What are the best 3% cash back credit cards?

Question

The best 2% cash back credit card is the Citi® Double Cash Card – 18 month BT offer. Citi Double Cash is the best 2% cash back credit card because it has a $0 annual fee and gives unlimited 1% cash back when buying something plus another 1% when paying for it, for a total of 2% cash back on all purchases.… read full answer

For a rewards credit card, 2% cash back on everything is about the best you can aim for. That’s why Citi Double Cash is the best cash back credit card on the market right now. But there are a few other great 2%+ cash back credit cards to consider when shopping for the best deal.

Best 2% Cash Back Credit Cards

2% cash back on all purchases: Citi® Double Cash Card – 18 month BT offer.

2% cash back at grocery stores and wholesale clubs: Bank of America® Cash Rewards Credit Card for Students.

2% cash back at Costco (plus 4% on gas at Costco): Costco Anywhere Visa® Card by Citi.

2% cash back at U.S. gas stations and U.S. select department stores, earned as statement credit: Blue Cash Everyday® Card from American Express.

2% cash back on $1,000 in combined restaurant and gas station purchases per quarter: Discover it® chrome.

At the end of the day, Citi Double Cash is the best 2% cash back credit card because it offers an unlimited 2% cash back rate on all purchases. Most 2 percent cash back credit cards put a cap on the amount you can earn with 2%+ rates. Or they only give the rate on certain categories of purchases.

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Answer 1 · 2021-02-08 20:06:34

WalletHub, Financial Company

@WalletHub 02/08/21 This answer was first published on 11/05/20 and it was last updated on 02/08/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The best credit cards for at least 3% cash back in major spending categories are:

All of these credit cards give 3% cash back, or more, on some types of purchases. There is no credit card currently on the market that gives 3% cash back on all purchases. The best flat-rate cash back credit cards typically give 2% cash back on all purchases.

Answer 2 · 2020-10-09 02:18:43

Marshall Jamieson, Finance Pro

@bergman77 10/09/20 This answer was first published on 01/16/18 and it was last updated on 10/09/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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There are no credit cards with 3% cash back on everything, at least not forever. The closest you can get is with the Alliant Cashback Visa® Signature Credit Card. It gives 2.5% cash back, which is still fantastic. The catch is that you’ll need excellent credit to qualify for this card (anyone can join the credit union). This card has an annual fee of $0 for the first year but $99 after that.

The only other 3% cash back credit cards that exist just give you that earning rate on certain categories of purchases. One of the best offers is the Blue Cash Preferred® Card from American Express from American Express, which gives 3% cash back at U.S. gas stations and transit. On top of that, there’s 6% back on the first $6,000 spent per year at U.S. supermarkets and streaming subscriptions and 1% on everything else. The Blue Cash Preferred® Card from American Express has an annual fee of $0 intro 1st yr, $95 after. It requires good credit for approval.

MICHAEL LEVINE @mikeydebk457
You are incorrect about there being NO Credit Cards offering 3% cash back on everything for the lifetime of the card. A small credit uniom in Northen Alabama called AOD FCU does offer 3% cash back on all pursches for the life of the card. There is NO annual fee for this card too ever. The credit union is very restrictive in letting people join. Thats the downside.

Gregory Petrack @gregoryp_80
Alliant Credit Union (Signature VISA) is still offering 3% cash back on ALL purchases for the first year. 2.5% on ALL purchases after that.

Answer 3 · 2020-05-22 03:57:55

Store Card Sarah, Member

@StoreCardSarah 05/22/20 This answer was first published on 02/27/19 and it was last updated on 05/22/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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If you’re a Costco member, there’s the Costco Anywhere Visa® Card by Citi: unlimited 3% cash back on restaurant and travel purchases, plus 4% back on your first $7,000 in gas purchases every year. Costco purchases get 2% back and whatever else you buy gets 1%. The Capital One® Savor® Cash Rewards Credit Card is a great alternative if you’re not into Costco. This card gives 4% cash back on dining and entertainment, 2% at grocery stores and 1% on other purchases. It has a $300 initial bonus, too, and has a $95 annual fee.

Answer 4 · 2021-05-07 09:15:26

Victoria Ryann, Member

@CreditCardGuru 05/07/21 This answer was first published on 05/07/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The USALLIANCE Visa Signature Card is 3% cashback on every single purchase & the card has no annual fee which makes it a favorite of mine. Here’s the link https://go.usalliance.org/signature-card-rewards

What are the best 3% cash back credit cards?

WalletHub, Financial Company

Marshall Jamieson, Finance Pro

Store Card Sarah, Member

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