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 on transit and at eligible U.S. gas stations. Overall, the card gives 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at eligible U.S. gas stations and on transit, and 1% back on other eligible purchases, received as rewards dollars (which can be redeemed as a statement credit and at Amazon.com checkout).

Currently, there aren’t any major credit cards that offer 3% cash back on all purchases. But there are some that offer it for certain purchase categories, and you can check out the top options below.

Best 3% Cash Back Credit Cards

How 3% Cash Back Works

You make purchases on your card, and then rewards equaling 3% of those purchases appear in your account, which can sometimes take one to two billing periods. Then, you can usually redeem that cash back as a statement credit or a deposit to a bank account, and sometimes for a check. Some issuers might even let you redeem your cash back directly for gift cards, travel or merchandise.

You can check out WalletHub’s editors’ complete picks for the best cash back credit cards to find a cash back card that meets your needs and spending habits.