Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
A strong cash back card: 4% on groceries and recurring bills, 2% on gas and transit, 1% elsewhere — high category cash back for a mid-tier fee.
Grocery-heavy households who also pay recurring bills by card.
People who want strong cash back with solid insurance.
You'd prefer no annual fee (a free 1.5–2% card may net more for lighter spenders).
You spend abroad (2.5% FX fee).
Watch-outs 4% categories may have annual caps — verify current caps. · 2.5% FX fee.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.