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Best Credit Card for CVS in 2026

We ranked every major cash back credit card by what you actually earn at CVS. The top pick earns 5% — here's the full breakdown.

8 cards earning 2%+ at CVS · sorted by highest cash back · updated Q1 2026

1
Citi Custom Cash® Card
Citi Custom Cash® Card
Citi
5% auto-detects your top spend category (up to $500/mo)
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #1: Top pick: earns 5% cash back at CVS — the highest rate available. No annual fee required.

2
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Chase
3% on drugstores
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #2: Solid 3% cash back at CVS with no activation needed. No annual fee — easy to hold long-term.

3
Bank of America® Customized Cash Rewards
Bank of America® Customized Cash Rewards
Bank of America
3% on chosen category (up to $2,500/qtr combined)
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #3: Solid 3% cash back at CVS with no activation needed. No annual fee — easy to hold long-term.

4
VISA
Robinhood Gold Card
Robinhood / Sutton Bank
3% unlimited cash back on all purchases — no categories, no caps. ⚠️ Requires Robinhood Gold subscription ($5/mo). Effective rate is ~3% if you spend $6,000+/yr; otherwise the subscription cost reduces net earnings.
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #4: Solid 3% cash back at CVS with no activation needed. No annual fee — easy to hold long-term.

5
Chase Freedom Flex®
Chase Freedom Flex®
Chase
3% on drugstores (permanent — never a rotating category)
💤 Not active this quarter
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #5: Earns 3% on other eligible purchases. Typically hits 5% at certain stores when its quarterly category rotates in.

6
Alliant Cashback Visa® Signature Card
Alliant Cashback Visa® Signature Card
Alliant Credit Union
2.5% unlimited cash back on all purchases (Tier 1 member; requires $1,000 avg daily balance in Alliant checking)
Annual fee: No annual fee
2.5%
cash back
Apply Now — Earn 2.5% at This Store →

Why #6: Earns 2.5% on all purchases including CVS. A reliable flat-rate card with no hoops to jump through.

7
Citi Double Cash® Card
Citi Double Cash® Card
Citi
2% on everything (1% when you buy + 1% when you pay)
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #7: Earns 2% on all purchases including CVS. A reliable flat-rate card with no hoops to jump through.

8
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
Wells Fargo
2% cash rewards on all purchases, no limits
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #8: Earns 2% on all purchases including CVS. A reliable flat-rate card with no hoops to jump through.

Frequently Asked Questions

What is the best credit card to use at CVS?

The best card at CVS right now is the Citi Custom Cash® Card, earning 5% cash back. 5% auto-detects your top spend category (up to $500/mo)

Does any credit card offer more than 2% at CVS?

Yes — the Citi Custom Cash® Card at 5%, the Chase Freedom Unlimited® at 3%, the Bank of America® Customized Cash Rewards at 3% all earn above 2% at CVS.

What are rotating category credit cards?

Cards like the Chase Freedom Flex and Discover it Cash Back offer 5% cash back on rotating categories that change each quarter (up to $1,500/quarter). You must activate the bonus each quarter at the issuer's website. When CVS's category is active, these cards can be the top earners.

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Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.