WalletHub, Financial Company
@WalletHub
The best credit cards for at least 3% cash back in major spending categories are:
- No Annual Fee: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & FeesTerms ApplyGas & Grocery Rewards: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
- Choose Your Own Bonus Categories: U.S. Bank Shopper Cash Rewards Visa Signature® CardU.S. Bank Shopper Cash Rewards Visa Signature® CardLearn MoreLearn More
- Initial Bonus: Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit CardLearn MoreLearn More
- Rewards & Low Intro APR: Capital One SavorOne Cash Rewards Credit CardCapital One SavorOne Cash Rewards Credit CardLearn MoreLearn More
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.
Overall, the best credit card that gives at least 3% cash back in major spending categories is Chase Freedom Unlimited®. It offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). Chase Freedom Unlimited also has a $0 annual fee.
Victoria Ryann, Member
@CreditCardGuru
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
USAlliance card has no website for credit cards and horrible customer service. Need to pay by mail, no notifications or spending alerts....you cannot even check your balance without calling. In case of dispute, reaching dispute department is not possible, they are closed on Sunday and will not give you provisional credit. Loss of peace of mind is much more costly than the additional 1% so stay away.
It's 3pct for the first year. 2.5 pct after that. 10000/month max purchases then it's 1.5 pct I think. Best card on the market.
Louis V, Member
@Bitholov
The best 3% cash back credit card on all purchases in the U.S. is AOD Visa Signature card and after USALLIANCE Visa Signature card. Only two cards in this class.
AOD card: https://www.aodfcu.com/visa-signature-credit-card/
USALLIANCE Visa Signature Card 3% is a horrible card with no customer service or website. Payment must be done using phone and there are no spending alerts or notifications. You must call their customer service even to find current balance. Forex rate is horrrible, disputes department is closed on Sunday and after-hours so you are on your own outside of those times. They have launched this product without putting support and infrastructure in place - so you lose peace of mind for the additional 1% - better to stay away.
People also ask
What is 3% cash back?
Three percent cash back is another way of saying that you will earn $3 in rewards for every $100 spent. The best credit card that gives 3% cash back on certain purchases is the Blue Cash Preferred® Card from American Express, which offers 3% back at U.S. gas stations and on transit. Other purchase categories may earn more or less cash back.
Currently, there aren’t any major credit cards that offer 3% cash back on all purchases, but there are many that...
read full answerHow can I get 5% cash back?
You can get 5% cash back by applying for a credit card such as Chase Freedom Flex℠ that offers 5% cash back on certain types of purchases. Then, you will need to use the card for purchases in the eligible spending categories, and you will receive 5 cents back for every $1 you spend on eligible purchases.
Unfortunately, there are no general-purpose credit cards that offer 5% cash back on all purchases. But the good news...
read full answerWhat credit card offers 5% cash back on everything?
The only credit cards that offer 5% cash back on everything are store credit cards, such as the Target Credit Card or the Kohl’s Credit Card, that can only be used at a specific retailer. When it comes to rewards cards that can be used anywhere, quite a few offer 5% cash back on certain purchases but not on everything. Among the best credit cards for 5% cash back on select purchases are Chase Freedom...
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