When a rewards program or credit card is offering 3% cash back, it means that for every $1 you spend you will earn 3 cents ($0.03) in the form of cash back.
You can calculate 3% cash back multiplying 0.03 by the amount you plan on spending. So if you spend $1,000, it would be $1,000 x 0.03 which equals $30.
Use the 3% cash back calculator below to calculate cash back based on spend.
| Redemption | Average Dollar Value |
|---|---|
| Total Cash Back: | $3.00 |
What's The Best 3% Cash Back Card?
There's only one popular credit card that earns 3% cash back across all purchases, and that is the AOD Visa Signature Card. The card requires you to be a member of the AOD Credit Union as well meet other requirements.
If you're not able to pick up that card, there's plenty of other credit cards that can earn you 3% cash back across specific categories. Listed below are a few of the best options for 3% cash back or more.
Best For 3% Back At U.S. Supermarkets
Best For 3% Back On A Select Category
Best For 3% Back On Dining & Drugstores
Best For 3% Back On Dining, Entertainment, and Streaming
If none of these cards interest you, I recommend checking our list of the best cash back credit cards or using the Credit Card Finder Tool to find which cash back cards earn you the most back based on your spend.
FAQ
What is 3% cash back?
3% cash back means you will earn 3 cents ($0.03) back for every $1 spent.
How do I know what's the best credit card for my spend?
You can use the Search For Credit Cards By Spend calculator to get a list of the best credit cards based on your spend across categories.
