The Best Cash Back Credit Cards for Every Category – 3% and More in July 2020

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Updated on Wednesday, July 1, 2020

credit card and dollar close-up

In our analysis, there are over 25 categories where you can earn 3% or more in cash back on your credit card purchases. In this post, you’ll find the best cash back credit cards that earn more than 3% cash back in popular spending categories, such as dining, gas, airfare and groceries.

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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Blue Cash Preferred® Card from American Express

Regular Purchase APR
13.99%-23.99% Variable
Intro Purchase APR
0% on purchases for 12 months
Intro BT APR
N/A
Annual fee
$95
Rewards Rate
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions and 1% Cash Back on other purchases.
Balance Transfer Fee
N/A
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: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions and 1% Cash Back on other purchases. 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.

To see rates & fees for the Blue Cash Preferred® Card from American Express, please click here.

Gas – 5%

Platinum Visa® from Abound Credit Union

Platinum Visa® from Abound Credit Union

Annual fee
$0
Rewards Rate
Unlimited 5% cash rewards for gas and 1% cash rewards for other eligible purchases.
Regular Purchase APR
10.75% - 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 – 4%

The Capital One® Savor® Cash Rewards Credit Card offers 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 Jan 2022. The card also lets you earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.

Cardholders will be charged an annual fee of $0 intro for first year; $95 after that.

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, Uber Eats, and JUMP, 3% back in Uber Cash on dining, 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, Uber Eats, and JUMP, 3% back in Uber Cash on dining, 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.

General purchases: Alliant Cashback Visa® Signature Card

The Alliant Cashback Visa® Signature Card card earns Unlimited 2.5% cash back on all purchases (note, this does not include certain categories, such as gift cards). The card also comes with a $99 annual fee, waived the first year.

Keep in mind that Alliant is targeting this card to high spenders with excellent credit, so it might be tough to get approved.

Earning cash back in other popular spending categories

We’ve organized cash back cards for each of the over 25 spending categories that are currently eligible for 3% or more in cash back rewards. They include both year-round offers and quarterly rotating categories.

You’ll find three types 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.

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.

Amazon.com

Unlimited

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

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%: Chase Freedom® – up to $1,500 when you activate – Jan – March 2020
  • 5%: U.S. Bank Cash+™ Visa Signature® Card – up to $2,000 / quarter across two 5% categories you choose
  • 5%: Ink Business Cash℠ Credit Card* – on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

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%: 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.

Drugstores

With limits

  • 5%: Discover it® Cash Back – up to $1,500 when you activate – Jan – March 2020 (CVS and Walgreens)
  • 3%: Bank of America® Cash Rewards Credit Card* – 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.

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 – 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%: Platinum Visa® from Abound Credit Union (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)

With limits

  • 5%: Chase Freedom® – up to $1,500 when you activate – Jan – March 2020
  • 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
  • 5%: Visa® Platinum Cash Rewards credit card from Nusenda Credit Union – Jan – March 2020 – up to $1,500
  • 4%: Costco Anywhere Visa® Card by Citi* – for the first $7,000 per year and then 1% thereafter
  • 3%: U.S. Pride® Credit Card* – 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* – 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

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.
  • 5%: Discover it® Cash Back – up to $1,500 when you activate – Jan – March 2020
  • 5%: Visa® Platinum Cash Rewards credit card from Nusenda Credit Union – Jan – March 2020 – up to $1,500
  • 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* – 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* – 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

Movie Theaters

With Limits

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

Office Supply Stores

With limits

  • 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%: 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)

With Limits

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

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

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

*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.

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