What are the Best Credit Cards with 3% Cash Back Rewards?

Credit cards are a great way to earn rewards on your everyday spending. One popular type of reward is cash back, which allows you to earn a percentage of your purchase amount back as a statement credit or cash deposit. In this article, we will be discussing the best credit cards with 3% cash back rewards.

1. Chase Freedom Unlimited

The Chase Freedom Unlimited credit card offers 3% cash back on all purchases in the first year, up to $20,000 spent. After that, you earn 1.5% cash back on all purchases. There is no annual fee for this card and it also comes with a sign-up bonus of $200 after you spend $500 on purchases in the first three months.

2. Bank of America Cash Rewards

The Bank of America Cash Rewards credit card offers 3% cash back in a category of your choice, including gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. You also earn 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. There is no annual fee for this card, and it also comes with a sign-up bonus of $200 after you spend $1,000 on purchases in the first 90 days.

3. Wells Fargo Propel American Express

The Wells Fargo Propel American Express credit card offers 3% cash back on dining, travel, and select streaming services, as well as 1% cash back on all other purchases. There is no annual fee for this card, and it also comes with a sign-up bonus of 20,000 points after you spend $1,000 on purchases in the first three months.

4. Capital One SavorOne

The Capital One SavorOne credit card offers 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding Walmart and Target) and 1% cash back on all other purchases. There is no annual fee for this card, and it also comes with a sign-up bonus of $200 after you spend $500 on purchases in the first three months.

When applying for a credit card with 3% cash back rewards, it is important to consider your spending habits and which categories you typically spend the most in. Additionally, it is important to pay your balance in full each month to avoid interest charges and to keep your credit utilization low.

In terms of saving money with credit cards, always be on the lookout for special promotions and discounts offered by your credit card company. This may include cash back offers or discounts at certain retailers. Additionally, be sure to take advantage of any rewards programs offered by your credit card company, such as travel rewards or points-based systems.

When considering a credit card, it is important to also take into account any annual fees or other fees associated with the card. Be sure to read the fine print and understand the terms and conditions before applying. Finally, it is important to always make your payments on time and to avoid carrying a high balance to maintain a good credit score and avoid any potential negative impact on your credit history.

Overall, credit cards with 3% cash back rewards can be a great way to earn rewards on your everyday spending. By considering your spending habits and choosing a card that aligns with your needs, you can maximize your rewards and save money in the process.