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3% Cash Back Card Query

IncrsCreditScore
Established Contributor

3% Cash Back Card Query

Occasionally, someone will mention they just got their 3% cash back credit card.  I don't know if I am searching incorrectly, but I have not been able to find such a card.  Therefore, decided I would ask the members of this forum.  TIA for any info.


Message 1 of 36
35 REPLIES 35
OmarR
Established Contributor

Re: 3% Cash Back Card Query

There are different cards that will get you 3% on specific categories. For example, the AMEX Blue Cash Everyday card will get you 3% cashback at a lot of groceries stores.

 

What is your specific spend? For example:

 

Dining?

Fast Food?

Groceries?

Travel?

 

With that info, people can chime in here and point you towards the right direction. Also, what city are you in? There may be some banks and/or credit unions that people can suggest based on your location.

    EQ=850        TU=837         EX=837      INQ=0/0/0     UTIL=$1        AZEO


Message 2 of 36
Saeren
Mega Contributor

Re: 3% Cash Back Card Query

There is no permanent 3% credit card, however they are three that I can think of that earn 3% for the first year. 

 

Discover IT Miles - 1.5% up front, 1.5% match after a year with no cap

 

HSBC Cash Rewards - 3% cash back for the first $10K in the first 12 months 

 

CFU - 3% cash back for the first $20K in the first 12 months 

 

I suspect we will start seeing these types of offers a lot more as banks try to make a profit while still offering sign up bonuses. 





Message 3 of 36
IncrsCreditScore
Established Contributor

Re: 3% Cash Back Card Query

Thank you both.  I do have groceries covered.  It is all the other purchases, such as clothing, doctor bills, etc., that I am hoping to find a 3% card.

I don't know what HSBC and CFU stand for.  Will you clairify, please.


Message 4 of 36
longtimelurker
Mega Contributor

Re: 3% Cash Back Card Query


@IncrsCreditScore wrote:

Thank you both.  I do have groceries covered.  It is all the other purchases, such as clothing, doctor bills, etc., that I am hoping to find a 3% card.

I don't know what HSBC and CFU stand for.  Will you clairify, please.


CFU is Chase Freedom Unlimited, HSBC is a bank (with that name)

 

https://www.us.hsbc.com/credit-cards/open-market-cards/?cid=PPG0042802&SearchEngine=GOOGLE&Keyword=h...

Message 5 of 36
FireMedic1
Super Contributor

Re: 3% Cash Back Card Query

BB&T Spectrum 3% cash back on gas,not just at the pump, 2% cash back on utilities and groceries, and 1% cash back on all other qualifying purchases

Message 6 of 36
NRB525
Super Contributor

Re: 3% Cash Back Card Query


@IncrsCreditScore wrote:

Thank you both.  I do have groceries covered.  It is all the other purchases, such as clothing, doctor bills, etc., that I am hoping to find a 3% card.

I don't know what HSBC and CFU stand for.  Will you clairify, please.


Which cards do you already have?

Congrats on the gardening.

Are you looking for a no Annual Fee card that gives 3%?

For some doctor bills, it may be useful to ask if you can get a 3% discount for paying cash quickly. With certain operations this might work.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
Message 7 of 36
Meanmchine
Super Contributor

Re: 3% Cash Back Card Query

HSBC = Hongkong Singapore Bank Corp


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


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- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 8 of 36
wasCB14
Super Contributor

Re: 3% Cash Back Card Query


@Meanmchine wrote:

HSBC = Hongkong Singapore Bank Corp


Shanghai

 

But it's now HQed in London.

 

*A few BofA cards give 2.62%+ but come with various restrictions, including a requirement of $100k in assets there (including stocks and retirement, etc...not just cash).

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 9 of 36
gdale6
Moderator

Re: 3% Cash Back Card Query

BoA & Huntington Bank Voice are 2 that have categories you can select for 3% CB. BoA allows it to 2.5K ea quarter and 2K at HB.

Message 10 of 36
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