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Is the Amazon Rewards Visa Signature Card or Amazon Prime Store Card Better for Your Amazon Purchases?

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

Review - Amazon Rewards Visa Card or Amazon Prime Store

The information related to the Amazon Prime Rewards Visa® Signature Card, Amazon Rewards Visa® Signature Card, and Amazon Prime Store Card has been collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

For loyal Amazon shoppers, a credit card that will give you money back for spending only makes sense. There are three options:

  • Amazon Prime Rewards Visa® Signature Card (from Chase) – 5% back, and our top choice
  • Amazon Rewards Visa® Signature Card (also from Chase) – 3% back
  • Amazon Prime Store Card (from Synchrony, can only be used at Amazon) – 5% back

The good news: if you are an Amazon Prime member, it is easy to get 5% cash back from all of your Amazon spending all year long. And if you spend a lot of money at Amazon, the savings can be significant.

5% at Amazon: The Amazon Prime Rewards Visa® Signature Card

With this credit card, you Earn 5% back at Amazon.com and Whole Foods Market with eligible Prime membership, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

There is no annual fee, no earning caps and no foreign transaction fees.

How the points work

When you use your card, you will actually be earning points.

Earn 5% back at Amazon.com and Whole Foods Market with eligible Prime membership, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

You can choose to redeem those points at Amazon (during checkout) or through Chase.

When you check out at Amazon, you will see your point balance and would be able to apply those points to your purchase. Every 100 points = $1.

But you can also redeem those points through Chase and get cash back, gift cards or travel. If you want cash back or gift cards, the value is the same as using the points at Amazon to shop. Every 100 points = $1.

You will also Get a $70 Amazon.com Gift Card instantly upon credit card approval. The best part is you do not have to spend a certain amount of money in order to get the gift card.

If you are already enjoying the benefits of Amazon Prime, this card is an obvious choice.

But if you are thinking about Amazon Prime, this card is a great way to try it out.

If you spend $99 for Amazon Prime membership and then apply for this card, you will immediately get $70 of it back in the form of an Amazon gift card. You can learn more about the card at Amazon.

3% at Amazon: Amazon Rewards Visa® Signature Card

Everything is the same as the Amazon Prime Rewards Visa® Signature Card, except you Earn 3% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases..

Just like the Amazon Prime Rewards Visa® Signature Card, cash back is tracked with a point system. 1 point equals $0.01. For example, if you spend $100 on Amazon.com, you’ll get $3 in cash back, which equals 300 points. You can trade in points for statement credit, travel or gift cards. Points never expire unless your account is closed and there’s no rewards cap.

The card doesn’t have a 0% introductory promo period. As a rule of thumb, you should avoid transferring a balance to a card you want to use for rewards. This card has an exceptionally high balance transfer fee (Either $5 or 5% of the amount of each transfer, whichever is greater.) and no 0% introductory promo period; two major red flags for a balance transfer.

Get a $50 Amazon.com Gift Card instantly upon credit card approval. The Amazon Rewards Visa® Signature Card has no annual fee and you can learn more about the card at Amazon.

 5% at Amazon: Amazon Prime Store Card

The card can be used on Amazon.com and on other merchant sites that have the Amazon Prime Store Card option activated for payment. However, the card can’t be used for the following: textbook rentals, digital and print + digital subscriptions (including newspapers and magazines), cell phones associated with a plan, purchases on Amazon subsidiaries, digital add-on subscriptions (e.g. Starz, Hulu, GameFly, etc.), Prime Now items.

You can redeem cash back for statement credit until instructed otherwise. In the fine print, Amazon reserves the right to change the cash back program into a rewards program where you redeem points for products instead.

If you end your Amazon Prime Membership, your Amazon Prime Store Card will become a regular Amazon Store Card that doesn’t earn 5% cash back. There’s no annual fee on the card, but Prime membership does cost $99 per year.

This card offers special financing on all orders of $149 or more. You will pay no interest if your balance is paid in full within 6, 12, or 24 months as applicable. If you don’t pay off your balance within the promotional period, interest will be charged to your account from the purchase date. Minimum monthly payments are required. Learn more about the terms on here.

Pros and Cons

Amazon Rewards Visa Signature Cards

Pro: Multiple bonus categories. Sure, you shop on Amazon.com, but you probably shop elsewhere too. With this card you’ll get an extra bonus for shopping online plus cash back in other areas that fulfill everyday needs like filling up your gas tank. You also have flexibility to redeem cash back in multiple ways.

Pro: No annual fee. Earning cash back from each category is free, no annual fee.

Pro: A gift card once approved. When you get approved you’ll get Get a $70 Amazon.com Gift Card instantly upon credit card approval (Amazon Prime Rewards Visa® Signature Card) or Get a $50 Amazon.com Gift Card instantly upon credit card approval. (Amazon Rewards Visa® Signature Card) gift card right away you can use to shop.

Pro: 3% or 5% cash back when you pay for Amazon Prime Membership. Amazon Prime Membership comes with free two-day shipping and unlimited TV and movie screening with Prime Video. What devoted Amazon shopper doesn’t want that? An added benefit with this card is double-dipping. You get the Prime perks and cash back for paying for them.

Pro: High cash back for Prime members. If you’re a Prime member, you can get 5% cash back. You likely won’t be able to beat that rate.

Con: No intro APR. Since most credit cards have some type of introductory interest rate, a card that doesn’t have one stands out. You’ll need to pay off the balance each month starting from the very beginning to benefit from rewards earned.

Con: Tougher approval. You may need better credit to get these cards from Chase than the Amazon Store Card from Synchrony, which has a much higher interest rate.

Amazon Prime Store Card

Pro: 5% cash back. This is a huge amount of cash back for faithful Amazon shoppers. You’ll get rewarded handsomely for spending. And the redemption process is easy; your cash back is used for statement credit. One thing to keep in mind is it may take up to two billing cycles for the money to appear on your account.

Pro: Easier approval. This is a store card limited to Amazon purchases, so you might find it easier to get approved for this card with less than perfect credit.

Pro: No annual fee. The Amazon Prime Store Card doesn’t have an annual fee.

Con: A very high APR for everyone: This card charges a 26.99% APR for everyone, regardless of credit score. Yes, even an 850 FICO would still get you a horrible 26.99% interest rate. Never borrow with this card.

Con: Fine print. The fact that you can’t use this card for software downloads on Amazon sticks out as a negative. Amazon sells software downloads including TurboTax, QuickBooks and Norton Security. These products aren’t cheap and purchases you would want to get 5% cash back on.

Con: Requires Amazon Prime Membership. To use this card you have to be an Amazon Prime Member so in some respects there is a fee involved even though it’s not an annual fee specifically for the card. Amazon Prime Membership costs $99 per year. If you’re not already a member and want to become one for the card, you must spend enough to pay for membership.

Con: Exclusive to Amazon. A gift and a curse. You’ll have to follow up with another card for cash back on other things like groceries, gas, dining or travel.

Which Card Should You Choose?

The Amazon Prime Rewards Visa® Signature Card is a good one to consider if you already have an Amazon Prime account. It’s not worth getting an Amazon Prime account just to get this card unless you plan on spending big in the future on the site. If you spend moderately throughout the year, the basic Amazon Rewards Visa® Signature Card is a better choice between the two. You’ll get rewarded for more diverse spending in addition to your online shopping.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Taylor Gordon
Taylor Gordon |

Taylor Gordon is a writer at MagnifyMoney. You can email Taylor here

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Best of, Earning Cashback

The Best Cash Back Credit Cards for Every Category – 3% and More in December 2019

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners. This site may be compensated through a credit card partnership.

credit card and dollar close-up

MagnifyMoney keeps a database of over 2,000 credit cards and their features, including cash back cards you can compare with our tool. We used it to find the absolute highest cash back rewards you can earn in each spending category, more than the standard 1-2% you usually see.

In our analysis, there are over 25 categories where you can earn 3% or more in cash back on your credit card purchases.

Scroll down and you’ll find links to the best cash back credit cards that earn more than 2% cash back in special categories. These are cards that let you get pure cash value, not complicated points that can be used only for travel.

Before you dig into categories, every cash rewards wallet should have one of these cards, with double cash back on everything you spend and $0 annual fee:

Citi® Double Cash Card – 18 month BT offer

The information related to Citi® Double Cash Card – 18 month BT offer has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Citi® Double Cash Card – 18 month BT offer

Annual fee
$0
Rewards Rate
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.
Regular Purchase APR
15.49% - 25.49% (Variable)

Fidelity® Rewards Visa Signature® Card

Fidelity® Rewards Visa Signature® Card

Annual fee
$0
Rewards Rate
Unlimited 2% cash back on everyday purchases.
Regular Purchase APR
15.74% Variable

Once you have one of these, you can add other cards that earn more than 2% in special categories to really boost your cash rewards.

The best cash back credit cards with no limit rewards

Maybe you don’t want to mess with rotating categories or remembering limits on cash back. If that’s you, there are only a handful of cards that you need to carry to get the most in totally unlimited cash back.

As you’ll learn below, you may be leaving about $500 a year or more on the table by not holding at least some of these cards.

They are all no annual fee cards, and they ensure you will earn more than 2% cash back on your total spending with absolutely no limits. Some cards have higher cash back rates with limits, and you can see those below this list in our review of cards for each category.

Airfare – 3%

Uber Visa Card

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The information related to Uber Visa Card has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Uber Visa Card

Annual fee
$0
Rewards Rate
5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases.
Regular Purchase APR
17.24% - 27.99% Variable

The Uber Visa Card earns 5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases. The foreign transaction fee is 0% of each transaction in U.S. dollars. So it’s great if you travel outside the U.S.

Travel – 3 points

The AAA Member Rewards Visa Signature® Card* offers 3 points for eligible travel & AAA purchases, 2 points on gas, grocery store, wholesale club and drugstore purchases, and 1 point per $1 everywhere else. You don’t have to be a AAA member to get the card.

U.S. Supermarkets – up to 6% (on up to $6,000 per year in purchases, then 1%)

Blue Cash Preferred® Card from American Express

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on American Express’s secure website

Terms Apply |  Rates & Fees

Read Full Review

Blue Cash Preferred® Card from American Express

Regular Purchase APR
14.49%-25.49% Variable
Intro Purchase APR
0% for 12 months
Intro BT APR
0% for 12 months
Annual fee
$95
Rewards Rate
NEW 6% Cash Back on select U.S. streaming subscriptions & 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Credit required
good-credit
Excellent/Good

The Blue Cash Preferred® Card from American Express offers the highest rate we could find for U.S. supermarket shopping: NEW 6% Cash Back on select U.S. streaming subscriptions & 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more This card does have a $95 annual fee, but if you spend $1,584 a year at U.S. supermarkets, you’d earn enough cash back to recoup the annual fee.

Gas – 5%

Fort Knox Federal Credit Union Visa® Platinum Card

Fort Knox Federal Credit Union Visa® Platinum Card

Annual fee
$0
Rewards Rate
Unlimited 5% cash back on gas and 1% cash back on all retail purchases.
Regular Purchase APR
11.50% - 18.00% Variable

You might not have heard of this credit union, but anyone can join. You just need to pay $5 to join the American Consumer Council / Kentucky and you’re eligible.

Another option includes the Sams Club® Mastercard®. You earn 5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after). Earn 3% cash back on dining and travel. Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted. You need to be a Sam’s Club member to hold the card.

Dining – 3%

Uber Visa Card

LEARN MORE 

The information related to Uber Visa Card has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Uber Visa Card

Annual fee
$0
Rewards Rate
5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases.
Regular Purchase APR
17.24% - 27.99% Variable

This card earns 5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases.

Everything else: Alliant Cashback Visa® Signature Card

If you’re willing to pay an annual fee, the Alliant Cashback Visa® Signature Card card earns Unlimited 3% cash back during the first year; 2.5% cash back afterwards. There is a $99 annual fee, waived the first year. Alliant is targeting this card to high spenders with excellent credit, so it might be tough to get approved.

Just mark each of the cards you pick in your wallet with a sticker for each category so you remember which to use, and you’ll rack up lots of cash with minimal hassle. And afraid to have more than one card? Well if you’re responsible with credit, a few additional inquiries might have less of an impact than you think. See our experience with scores and getting several cards for the rewards.

For unlimited retailer-specific discounts, also consider:

    • Amazon Prime Rewards Visa® Signature Card* – Earn 5% back at Amazon.com and Whole Foods Market with eligible Prime membership, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.
    • Target REDcard™ Credit Card – 5% – Target

If you want to maximize absolutely everything, read on…

We’ve organized cash back cards for each of the over 25 spending categories that are currently eligible for 2% or more in cash back rewards. They include both year-round and quarterly rotating categories, like those of the Discover it® Cash Back.

Pick the categories that matter most to you, and you’ll see the opportunities you have to earn 2-5% if you’re willing to keep track of some limits and quarterly changes.

Remember, these are all cards that let you earn cash value rewards, with no restriction on where you spend the rewards, unlike travel points.

You’ll find three flavors of cash back rewards, in the order of hassle factor:

  • Unlimited cash back – This is the simplest form. You usually won’t find the very highest 5%+ rewards this way, but we’ve found some great cards that get you 3% or more in some popular categories.
  • Cash back with limits – This is where a card limits the cash back you earn by putting a cap on the spending which earns the cash back in the specific category, on a combination of categories, or the card as a whole.
  • Quarterly rotating categories – These are the cards with the big headline 5% rates. Don’t be fooled. While you can earn the 5% rate, you may have to opt in to categories each quarter manually and be hit with caps on how much you can earn.

Advertising Services

With Limits

2%: American Express® Blue Business Cash Card – Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%

Airfare

Unlimited

With limits

  • 3%: Huntington Voice Credit Card® – 3X points in one of 10 categories (capped at $2,000 each quarter or 6000 points), and all other purchases earn 1X points.

Quarterly category in December 2019

  • 5%: Visa® Platinum Cash Rewards credit card from Nusenda Credit Union – Oct. – Dec. December 2019 – up to $1,500 – Anyone can join the Nusenda Credit Union (formerly the New Mexico Educators Credit Union) by becoming a member of the La Montanita Food Co-op.

Amazon.com

Unlimited

  • 5%: Amazon Prime Rewards Visa® Signature Card* (Prime members only)
  • 3%: Amazon Rewards Visa® Signature Card*

Quarterly category in December 2019

  • 5%: Discover it® Cash Back – up to $1,500 per quarter when you activate – Oct. – Dec. December 2019

Bookstores

With limits

  • 5%: U.S. Bank Cash+™ Visa Signature® Card* up to $2,000 / quarter across two 5% categories you choose

Car Rentals

Unlimited

With limits

  • 5%: U.S. Bank Cash+™ Visa Signature® Card up to $2,000 / quarter across two 5% categories you choose
  • 3%: Huntington Voice Credit Card® – 3X points in one of 10 categories (capped at $2,000 each quarter or 6000 points), and all other purchases earn 1X points.
  • 3%: Visa Rewards Credit Card from InFirst FCU (no annual fee -join FAPAC at a reduced rate of $10 using discount code INFIRST)

Cell phone

With limits

  • 5%: U.S. Bank Cash+™ Visa Signature® Card up to $2,000 / quarter across two 5% categories you choose
  • 5%: SimplyCash® Plus Business Credit Card from American Express – up to $50,000 in bonus purchases a year. Terms Apply.

Cellular Phone / Landline / Internet / Cable TV

Clothing Stores

With limits

  • 5%: U.S. Bank Cash+™ Visa Signature® Card* up to $2,000 / quarter across two 5% categories you choose
  • 3%: Huntington Voice Credit Card® – 3X points in one of 10 categories (capped at $2,000 each quarter or 6000 points), and all other purchases earn 1X points.

Commuting, Taxis

Unlimited

  • 3%: Citi PremierSM Card* ($95 annual fee)

Department Stores

Select U.S. department stores. See the list here.

  • 3%: Blue Cash Preferred® Card from American Express ( $95 annual fee). See Rates & Fees.

With limits

  • 5%: Chase Freedom® — up to $1,500 when you activate — Oct.-Dec. 2019.
  • 5%: U.S. Bank Cash+™ Visa Signature® Card* up to $2,000 / quarter across two 5% categories you choose
  • 3%: Huntington Voice Credit Card® – 3X points in one of 10 categories (capped at $2,000 each quarter or 6000 points), and all other purchases earn 1X points.

Discount stores

With limits

  • 3%: Huntington Voice Credit Card® – 3X points in one of 10 categories (capped at $2,000 each quarter or 6000 points), and all other purchases earn 1X points.

Drug stores

With limits

  • 3%: Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer* – 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases
  • 3%: Huntington Voice Credit Card® – 3X points in one of 10 categories (capped at $2,000 each quarter or 6000 points), and all other purchases earn 1X points.

Education

  • Up to 1.5%: Sallie Mae AccelerateSM — Unlimited 1.25% cash back on every purchase. Earn a 25% bonus on your cash back rewards used to pay down your student loans.

Electronics

With limits

  • 5%: U.S. Bank Cash+™ Visa Signature® Card* up to $2,000 / quarter across two 5% categories you choose
  • 3%: Huntington Voice Credit Card®* – 3X points in one of 10 categories (capped at $2,000 each quarter or 6000 points), and all other purchases earn 1X points.

Furniture

With Limits

  • 5%: U.S. Bank Cash+™ Visa Signature® Card up to $2,000 / quarter across two 5% categories you choose
  • 3%: Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer – 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases

Gas

Unlimited

  • 5%: Fort Knox Federal Credit Union Visa® Platinum Card (anyone can join the credit union by becoming a member of the American Consumer Council for $5)
  • 4.25%: PenFed Platinum Rewards Visa Signature® Card (anyone can become a member of PenFed paying a one time dues to Voices for America’s Troops for $14 or National Military Family Association for $15)
  • 4%: Visa Rewards Credit Card from InFirst FCU (no annual fee – can join FAPAC at a reduced rate of $10 using discount code INFIRST)
  • 3-5%: PenFed Power Cash Rewards Visa Signature® Card
  • 3%: Blue Cash Preferred® Card from American Express ( $95 annual fee). See Rates & Fees.
  • 3%: AARP® Credit Card from Chase Bank*
  • 3%: The Farmers® Rewards Visa® Card from Comenity Bank
  • 3%: Coastal Credit Union, Apple Credit Union, Vystar, and several other credit unions
  • 3%: Citi PremierSM Card* ($95 annual fee)
  • 2.5%: PayPal Extras MasterCard®* – 3x points, but they are worth 0.8 cents when turned into PayPal credits

With limits

  • 5%: USAA® Cashback Rewards Plus American Express® Card – up to $3,000 a year in purchases
  • 5%: Sams Club® Mastercard® – up to $6,000 cash back a year
  • 4%: Costco Anywhere Visa® Card by Citi* – for the first $7,000 per year and then 1% thereafter
  • 3%: U.S. Pride® Credit Card from Bank of America* – on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter
  • 3%: Huntington Voice Credit Card® – up to $2,000 in spending a quarter in one category of your choice
  • 3%: Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer* – on the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

Supermarket Spending

Unlimited

  • 5%: Amazon Prime Rewards Visa® Signature Card* – Earn 5% at Whole Foods Market
  • 3%: Amazon Rewards Visa® Signature Card* – Earn 3% at Whole Foods Market
  • 2.55%: PenFed Platinum Rewards Visa Signature® Card

With limits

  • 6%: Blue Cash Preferred® Card from American Express – Earn 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms apply.
  • 3%: Visa Signature Cash Rebate Card from Consumers CU – up to $6,000 rebate per year – anyone can become a member of the credit union
  • 3%: Huntington Voice Credit Card® – up to $2,000 a quarter
  • 3%: Blue Cash Everyday® Card from American Express – Earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms apply.

Gyms

With Limits

  • 5%: U.S. Bank Cash+™ Visa Signature® Card* up to $2,000 / quarter across two 5% categories you choose

Home Improvement

No limits

  • 3%: The Farmers® Rewards Visa® Card from Comenity Bank*

With limits

  • 3%: Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer* – 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases
  • 3%: Huntington Voice Credit Card® – up to $2,000 in spending a quarter in one category of your choice

Hotels

Unlimited

  • 3%: Uber Visa Card*
  • 3%: AAA Member Rewards Visa Signature® Card*
  • 3%: Citi PremierSM Card* ($95 annual fee)
  • 3%: Costco Anywhere Visa® Card by Citi* (need to be a Costco member)
  • 3%: Visa Rewards Credit Card from InFirst FCU (no annual fee – can join FAPAC at a reduced rate of $10 using discount code INFIRST)
  • 3%: Sams Club® Mastercard®

With limits

  • 3%: Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer* – 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases
  • 3%: Huntington Voice Credit Card® – up to $2,000 in spending a quarter in one category of your choice

Quarterly category in December 2019

  • 5% – Visa® Platinum Cash Rewards credit card from Nusenda Credit Union – Oct – Dec December 2019 – up to $1,500

Movie Theaters

With Limits

  • 5%: U.S. Bank Cash+™ Visa Signature® Card* up to $2,000 / quarter across two 5% categories you choose

Quarterly category in December 2019

  • 5%: Visa® Platinum Cash Rewards credit card from Nusenda Credit Union – April – June December 2019 – up to $1,500

Office Supply Stores

With limits

  • 5%: SimplyCash® Plus Business Credit Card from American Express* – up to $25,000 in bonus purchases. Terms Apply.
  • 5%: Ink Business Cash℠ Credit Card* – up to $50,000 in bonus purchases a year
  • 3%: Huntington Voice Credit Card® – up to $2,000 in spending a quarter in one category of your choice

Restaurants

Unlimited

  • 3%: Uber Visa Card*
  • 3%: AARP® Credit Card from Chase Bank*
  • 3%: Sams Club® Mastercard®
  • 3%: Marvel Mastercard®*
  • 3%: (California residents only)
  • 3%: Citi Simplicity® Card - No Late Fees Ever (You needent to have military affiliation to be a Navy Federal member.)
  • 3%: Costco Anywhere Visa® Card by Citi* (need to be a Costco member)
  • 3%: Visa Rewards Credit Card from InFirst FCU (no annual fee – can join FAPAC at a reduced rate of only $10 using discount code INFIRST)
  • 2.5%: PayPal Extras MasterCard® (3x card but points worth 0.8 cents when you turn them into PayPal credits)

With Limits

  • 3%: Huntington Voice Credit Card® – up to $2,000 in spending a quarter in one category of your choice

Quarterly category in December 2019

  • 5%: Discover it® Cash Back – up to $1,500 when you activate – July – Sept. December 2019
  • 5%: Visa® Platinum Cash Rewards credit card from Nusenda Credit Union – April – June & Oct – Dec December 2019 – up to $1,500

Shipping

  • 3%: SimplyCash® Plus Business Credit Card from American Express* – up to $25,000 in purchases in bonus categories. Terms Apply.

Sporting Goods Stores

With limits

  • 5%: U.S. Bank Cash+™ Visa Signature® Card* up to $2,000 / quarter across two 5% categories you choose
  • 3%: Huntington Voice Credit Card® – up to $2,000 a quarter

Target

Unlimited

  • 5%: Target REDcard™ Credit Card
  • 5%: Discover it® Cash Back – up to $1,500 when you activate – Oct. – Dec. 2019

Trains, Cruises, Other Vacation

Unlimited

  • 3%: AAA Member Rewards Visa Signature® Card*
  • 3%: Citi PremierSM Card* ($95 annual fee)
  • 3%: Visa Rewards Credit Card from InFirst FCU (no annual fee – can join FAPAC at a reduced rate of $10, using discount code INFIRST)
  • 3%: Sams Club® Mastercard®

With limits

  • 3%: Huntington Voice Credit Card® – up to $2,000 in spending a quarter in one category of your choice

Utilities

  • 3%: Huntington Voice Credit Card® – up to $2,000 in spending a quarter in one category of your choice

Walmart

  • 3%: Huntington Voice Credit Card® – up to $2,000 in spending a quarter in one category of your choice
  • 5%: Discover it® Cash Back – up to $1,500 when you activate – Oct. – Dec. 2019

Warehouse Clubs

  • 2%: Costco Anywhere Visa® Card by Citi* – at Costco warehouse clubs
  • 2%: Visa Rewards Credit Card from InFirst FCU (no annual fee – can join FAPAC at a reduced rate of $10, using discount code INFIRST)

*The information related to this offer has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information. These offers and/or promotions may have since changed, expired, or are no longer available.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Alexandria White
Alexandria White |

Alexandria White is a writer at MagnifyMoney. You can email Alexandria at [email protected]

Tracy Brackman
Tracy Brackman |

Tracy Brackman is a writer at MagnifyMoney. You can email Tracy here

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Best of, Earning Cashback

7 Best Cash Back Credit Cards for Dining Out in December 2019

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

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If you’re someone who frequently dines out, cashback cards that reward you for it are a great way to put money back in your pocket. Cashback cards for dining can earn you rewards for purchases made through restaurants, bars and takeout establishments. This is a great way for foodies to reap extra rewards just by doing what they love — eating!

We picked the following cards because they offer competitive cashback rates above 2% for dining-related purchases, as well as have low or no annual fees. As with most rewards cards, you may lose your cashback rewards if your account is not in good standing.

Capital One® Savor® Cash Rewards Credit Card – 4% cash back

Capital One® Savor® Cash Rewards Credit Card

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on Capital One’s website

Capital One® Savor® Cash Rewards Credit Card

Regular Purchase APR
16.24% - 25.24% (Variable)
Annual fee
$0 intro for first year; $95 after that
Rewards Rate
4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

The Capital One® Savor® Cash Rewards Credit Card enables you to earn unlimited 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020. Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening. (The card website specifies that the one-time bonus is available by applying through the site, and may not be available if an applicant navigates away from the page. Also, the bonus may not be available for existing or previous accountholders.)

Uber Visa Card – 3% cash back

Uber Visa Card

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The information related to Uber Visa Card has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Uber Visa Card

Regular Purchase APR
17.24% - 27.99% Variable
Annual fee
$0
Rewards Rate
5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases.

The Uber Visa Card offers 5% back in Uber Cash on Uber, Uber Eats, and Jump, 3% on dining, hotels, and airfare, and 1% on all other purchases. Note that purchases of Uber gift cards and Uber Cash do not qualify for the 5% rewards rate.

There’s also a decent sign-up bonus: Earn $100 in Uber Cash after spending $500 on purchases in the first 90 days.

Rewards come in the form of Uber Cash, which you can spend in Uber Apps. While it’s a bit limiting to not be able to redeem rewards as actual cash to your bank account, if you spend a lot within the Uber ecosystem, you can still get a good value from this card. And for convenience, this card will automatically transfer your Uber Cash balance to your Uber account once you earn $50 in Uber Cash. Read our full review of the Uber Visa Card.

AARP® Credit Card from Chase Bank – 3% cash back

AARP® Credit Card from Chase Bank

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The information related to AARP® Credit Card from Chase Bank has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

AARP® Credit Card from Chase Bank

Regular Purchase APR
17.99% to 24.74% Variable
Annual fee
$0
Rewards Rate
Earn 3% Cash Back rewards on purchases at restaurants, from fine dining to fast food, 3% Cash Back rewards on purchases at gas stations, and 1% Cash Back rewards on all other purchases.

Don’t be led astray by the name: This card isn’t limited to people over 50 — anyone can apply. The AARP® Credit Card from Chase Bank lets you earn 3% cash back rewards on purchases at restaurants, from fine dining to fast food, 3% cash back rewards on purchases at gas stations, and 1% cash back rewards on all other purchases. Earn $100 bonus cash back after you spend $500 on purchases in the first 3 months from account opening.

Marvel Mastercard® – 3% cash back

Marvel Mastercard®

The information related to Marvel Mastercard® has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Marvel Mastercard®

Regular Purchase APR
16.99% - 26.99% Variable
Annual fee
$0
Rewards Rate
Earn 3% cashback on Dining, Select Entertainment, Online at Marvel.com and Marvel's Official Merchandise Booths, and 1% cashback on all other Mastercard purchases.

The Marvel Mastercard® is a great choice for Marvel fans who want to benefit from exclusive Marvel discounts, with the added benefit of earning a high cashback rate on dining purchases. You Earn 3% cashback on Dining, Select Entertainment, Online at Marvel.com and Marvel's Official Merchandise Booths, and 1% cashback on all other Mastercard purchases. Some of the Marvel-related perks you earn include 10% off merchandise purchases at MarvelShop.com, free shipping offers and special discounts on Marvel Unlimited or Marvel digital comics. Terms apply.

There is also a new cardmember bonus of a $25 statement credit after your first purchase with your new Marvel Mastercard.

Sams Club® Mastercard® – 3% cash back

Sams Club® Mastercard®

The information related to Sams Club® Mastercard® has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Sams Club® Mastercard®

Regular Purchase APR
16.90% or 24.90% Variable
Annual fee
$0
Rewards Rate
Earn 5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after). Earn 3% cash back on dining and travel. Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted.

The Sams Club® Mastercard® lets you earn 5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after). Earn 3% cash back on dining and travel. Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted. Earn a $55 statement credit when you open a new account and spend $55 online today. Offer expires January 15, 2020. However, you do need a Sam’s Club membership to apply, and current membership fees start at $45 per year.

Take note that you’re limited to earning a maximum of $5,000 in cashback rewards in a calendar year. Cash back is issued each February for what you earned during the previous calendar year. You will lose any cash back you earned if you end your membership or let it lapse, or if you accumulate less than $5 cash back in a calendar year. You can only redeem your cash back at a Sam’s Club location.

Costco Anywhere Visa® Card by Citi – 3% cash back

Costco Anywhere Visa® Card by Citi

The information related to Costco Anywhere Visa® Card by Citi has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Costco Anywhere Visa® Card by Citi

Regular Purchase APR
16.74% (Variable)
Annual fee
$0
Rewards Rate
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases

The Costco Anywhere Visa® Card by Citi requires a Costco membership (currently, annual memberships start at $60) and offers 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases. Take note that purchases made at bakeries and certain restaurants/cafes in department stores, groceries or warehouse clubs will only earn 1%.

Cash back comes as an annual reward certificate in February billing statements, redeemable for cash or merchandise at U.S. Costco Warehouses. You must maintain your Costco membership to receive rewards, and you will also lose rewards if you accumulate less than $1 in cash back or if you don’t redeem them by the end of the year.

Alternative: Rotating cashback categories

Discover it® Cash Back – 5% cash back

Discover it® Cash Back

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on Discover Bank’s secure website

Rates & Fees

Discover it® Cash Back

Regular APR
13.49% - 24.49% Variable
Annual fee
$0
Rewards Rate
5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate, 1% unlimited cash back on all other purchases - automatically.

The Discover it® Cash Back offers 5% cash back in different places (on up to $1,500 in purchases each quarter you activate) and unlimited 1% on all other purchases, automatically. Restaurants are slated to be a bonus category from July 1 through Sept. 30, 2020. Set a reminder to activate the bonus category. In addition to a cash back program, Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched (new cardmembers only).

Are these offers the best for you?

Cashback rewards should only be pursued by responsible users who have no trouble paying off their balance on time and in full every month. If you’re a all-star who also has an affinity for dining out, these cards will provide the best perks.

If you’re apt to carry a balance, check out our picks for the best cards that can help you pay down debt faster.

As always, check the fine print on each before signing up, taking special note of any fees. With those things in mind, decide which rewards structure best serves your typical spending activity and enjoy the cashback benefits — and the good eats.

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Alexandria White
Alexandria White |

Alexandria White is a writer at MagnifyMoney. You can email Alexandria at [email protected]