
The 3 cashback on everything credit card is a game-changer for frequent shoppers. This type of credit card offers a generous cashback reward of 3% on all purchases, with no rotating categories or spending limits.
One thing to keep in mind is that these cards often come with an annual fee, which can range from $95 to $495 per year. However, the rewards can add up quickly, making the card a worthwhile investment for heavy spenders.
Some cards also offer a sign-up bonus of $200 or more, which can help offset the annual fee. For example, the Citi Double Cash Card offers a $200 bonus after spending $1,500 in the first 3 months.
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Credit Card Options
There are several credit cards that offer 3% cash back on various categories. The Chase Freedom Unlimited, for example, offers 3% cash back on drugstore and dining purchases.
Some cards have specific spending limits for the 3% cash back categories, such as the U.S. Bank Shopper Cash Rewards Visa Signature Card, which offers 3% cash back on one category of your choice, up to $1,500 spent per quarter.
If you're looking for a card with no annual fee and excellent earning rates, the Chase Freedom Unlimited is a good option. It also offers purchase and travel insurance protections.
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Best Credit Cards

If you're looking for a credit card with a 3% cash back reward, you've got several options to consider. One of the best cards is the Blue Cash Preferred Card from American Express, which offers 3% cash back on transit and at U.S. gas stations.
The Chase Freedom Unlimited card is another great choice, offering 3% cash back on drugstore and dining purchases. This card is a great option if you like to dine out or buy groceries.
The Capital One Savor Cash Rewards Credit Card is also worth considering, offering 3% cash back on dining, entertainment, popular streaming services and at grocery stores. However, it's worth noting that this card excludes superstores like Walmart and Target.
If you're looking for even more flexibility, the U.S. Bank Shopper Cash Rewards Visa Signature Card allows you to choose one category of your choice to earn 3% cash back on, up to $1,500 spent per quarter.
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Here are some of the best credit cards for 3% cash back rewards:
Keep in mind that you'll likely need at least good credit to qualify for these cards, and may even need excellent credit.
Robinhood Credit Card: Can It Last?
Robinhood's Credit Card Offers 3% Cash Back, but Can It Last?
The new Robinhood credit card promises 3% cash back on all purchases, without limits, which is incredibly generous.
Charles Schwab stopped offering a 2 percent card years ago, and most banks don't hand over more than 2 percent either.
Vlad Tenev, Robinhood's CEO, wouldn't guarantee the 3% cash back level for 18 months when asked.
Cash-back offers from big card issuers like Citibank generally top out at about 2 percent.
Big-spending system-beaters can earn $3,000 in cash back each year by moving their annual expenses to the new card, not carrying a balance.
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Chase Freedom Unlimited Benefits
The Chase Freedom Unlimited is an excellent credit card option that offers a range of benefits to its users.

One of the standout features of this card is its excellent earning rates. You can earn 3% cash back on drugstore and dining purchases, making it a great choice for those who frequent these types of establishments.
The card also has a $0 annual fee, making it a great option for those who want to earn rewards without paying extra.
Another benefit of the Chase Freedom Unlimited is its no minimum amount for redemptions. This means you can redeem your cash back rewards at any time, without having to meet a minimum threshold.
In addition to its cash back rewards, the card also offers purchase and travel insurance protections. This can provide peace of mind for those who travel frequently or make large purchases.
Here are some key benefits of the Chase Freedom Unlimited at a glance:
- Excellent earning rates for travel, dining, drugstores, and everyday spending.
- $0 annual fee.
- No minimum amount for redemptions.
- Purchase and travel insurance protections.
- 0% introductory APR on purchases and balance transfers for 15 months.
The card also offers a welcome bonus of an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 in additional cash back.
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Chase Credit Card Benefits

The Chase Freedom Unlimited credit card has some amazing benefits that make it a top contender for a 3 cashback on everything credit card. One of the standout features is its excellent earning rates for travel, dining, drugstores, and everyday spending.
You can earn 3% cash back on drugstore and dining purchases, which is a great incentive for frequent shoppers. Plus, the card has a $0 annual fee, so you won't have to worry about paying extra for the privilege of earning cash back.
Chase points don't expire as long as your account is in good standing, which means you can earn and redeem points without worrying about them disappearing. And, if you also hold either the Sapphire Preferred, Sapphire Reserve, or Ink Preferred, you can convert your cash back earned from the Freedom Unlimited into transferable points.
Here are some key benefits of the Chase Freedom Unlimited credit card:
- Excellent earning rates for travel, dining, drugstores, and everyday spending.
- $0 annual fee.
- No minimum amount for redemptions.
- Chase points don't expire as long as your account is in good standing.
- Cash back earned from the Freedom Unlimited can be converted into transferable points if you also hold either the Sapphire Preferred, Sapphire Reserve, or Ink Preferred.
- Purchase and travel insurance protections.
Sources
- https://wallethub.com/answers/cc/3-cash-back-credit-card-2140659014/
- https://www.nytimes.com/2024/03/28/your-money/robinhood-rewards-credit-card.html
- https://wallethub.com/answers/cc/is-3-cash-back-good-1000603-2140871058/
- https://www.td.com/us/en/personal-banking/credit-cards/cash-card
- https://awardwallet.com/blog/chase-freedom-unlimited-review/
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