The Best Credit Cards for Fourth of July

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Last updated on April 3rd, 2024

Credit cards are an American invention, making them the perfect fit for any Fourth of July celebration. Credit cards can help you save money through rewards, pay over time, and provide the purchase protections you need – making them an essential part of any holiday preparations. Here are some of our top picks for the best credit cards for your Fourth of July celebrations in 2021.

The Best Credit Cards for Fourth of July 2021

Here are our top credit card picks for celebrating the 4th of July this year:

The Capital One® Savor® Cash Rewards Card is one of the best dining and entertainment credit cards on the market today – making it perfect for the 4th of July, a day synonymous with fun and family. The card earns an impressive 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases.

The Savor Card easily recoups that $95 yearly charge with just $198 in dining purchases every month (as seen in our comprehensive review). That roughly $200 per month requirement can be easily met in July thanks to the 4th holiday – and the need to stock up on burgers, buns, beers – or whatever else your Fourth celebrations require!

And since the card also earns 2% back on groceries, it offers plenty of value for those who prefer to dine out (or in). The Savor also comes with a complementary food delivery membership through Postmates – just in case you don’t feel like cooking.

The Savor is a better choice for the Fourth of July than the American Express Blue Cash Preferred, its closest rival, thanks to that PostMates membership, the greater acceptance of Mastercard/Visa over Amex by U.S. and global merchants, and the $300 cash back sign-up bonus after spending $3,000 within the first three months of account opening.

Related Cards

The Amazon Prime Rewards Visa Signature is a great card for any event, thanks to its impressive 5% back at and Whole Foods Markets. So, it’s no surprise to see the card on the Best Credit Cards for Fourth of July 2021 list.

Given that Amazon has practically anything you might need for a Fourth of July celebration, the card is an excellent value – mainly since it features no annual fee (minus an Amazon Prime subscription – currently valued at $12.99 per month, or $119 per year).

Other features of the Amazon Prime Rewards Visa Signature include:

  • 2% cash back at restaurants and gas stations
  • 1% back on all other purchases
  • No foreign transaction fees

Don’t have Prime but still want to earn savings at Amazon and Whole Foods? The Amazon Rewards Visa, also from Chase, offers. 3% back on and Whole Foods Market purchases, plus 2% back on restaurants, gas stations, and drug store purchases – all for no annual fee or additional Prime membership charges.

Related Cards

The Venmo Visa is a great choice for consumers who want to earn decent cash back, but don’t want to be tied down to specific spending categories every month. The card, from Synchrony, offers up to 3% cash back on purchases, with rewards automatically calculated and debited into the associated Venmo account.

Cardholders earn 3% back on their top spending category each billing period, followed by 2% in their second-most used category. All other purchases with the Venmo Visa earn 1% cash back. The cash back categories eligible for the 3% back and 2% back with Venmo include:

  • Transportation
  • Travel
  • Groceries
  • Entertainment
  • Dining & Nightlife
  • Bills & Utilities
  • Health & Beauty
  • Gas
  • Other

The Venmo Visa is similar to the Bank of America® Cash Rewards Credit Card, which also offers up to 3% back on flexible categories – but with a reduced number of options to select from:

  • Gas 
  • Online shopping
  • Travel
  • Dining
  • Drug stores
  • Home improvement

Additionally, Bank of America has slightly higher credit score requirements for applicants than Synchrony Bank, which typically offers their cards to people with average (or fair) credit scores, as well as good/excellent credit scores. Because of this difference, the Venmo Visa gets the edge.

Honorable Mentions

Want some more Fourth of July credit card options to consider? Here are two cards that just missed out on our top spots:


American Express Green Card

The American Express® Green Card is a versatile premium rewards card for those that want the excellent quality of Amex premium cards, but with a more manageable annual fee. The Green Card offers 3X Membership Rewards points on global dining (including takeout and delivery), plus 3X on travel – including rideshare services like Uber – so you can get home safe if you do head out. Oh yeah, it's green, too – just like the Statue of Liberty.

bank of America customized cash secured

Bank of America® Customized Cash Rewards Secured Card

The Customized Cash Rewards Secured Card offers all of the above-mentioned BOA Customized Cash Rewards Card benefits, but for people rebuilding their credit score (or with no prior credit history). The card requires a minimum security deposit of $300 but still earns up to 3% back on purchases in the chosen category each billing period. Because of the versatility of the cash back with the card, the Customized Cash Secured Card is a must-consider for with bad credit but still wanting to earn superior cash back rewards.

Featured image by Jp Valery / Burst

Editorial Disclosure – The opinions expressed on's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

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