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Best Credit Card for Warby Parker in 2026

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

8 cards earning 2%+ at Warby Parker · 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) — health care providers eligible (doctor visits, hospitals, dental, vision)
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

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

2
VISA
U.S. Bank Cash+® Visa Signature®
U.S. Bank
5% on health care providers — doctor visits, hospitals, dental, vision, lab work, mental health (if selected as a 5% category, up to $2,000/qtr). Note: Chase Freedom Flex earns 3% at pharmacies but only 1% here — U.S. Bank Cash+ is the best card for actual medical bills.
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #2: Top pick: earns 5% cash back at Warby Parker — the highest rate available. No annual fee required.

3
CareCredit® Credit Card
CareCredit® Credit Card
Synchrony
5% back at CareCredit-accepting providers — doctors, dentists, hospitals, vision, mental health (widely accepted). ⚠️ Also offers deferred interest financing for large bills — NOT the same as 0% APR; pay in full to avoid retroactive interest.
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #3: Top pick: earns 5% cash back at Warby Parker — the highest rate available. No annual fee required.

4
AMEX
Blue Cash Everyday® Card from Amex
American Express
3% on U.S. online retail purchases (up to $6,000/yr)
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

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

5
Bank of America® Customized Cash Rewards
Bank of America® Customized Cash Rewards
Bank of America
3% on your chosen category (gas, online shopping, dining, travel, drug stores, or home improvement)
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #5: Solid 3% cash back at Warby Parker with no activation needed. No annual fee — easy to hold long-term.

6
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 #6: Solid 3% cash back at Warby Parker with no activation needed. No annual fee — easy to hold long-term.

7
AMEX
Blue Cash Preferred® Card from Amex
American Express
3% on U.S. online retail (up to $6,000/yr)
Annual fee: $95/yr
3%
cash back
Apply Now — Earn 3% at This Store →

Why #7: Solid 3% cash back at Warby Parker with no activation needed. $95/yr annual fee.

8
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 #8: Earns 2.5% on all purchases including Warby Parker. A reliable flat-rate card with no hoops to jump through.

Frequently Asked Questions

What is the best credit card to use at Warby Parker?

The best card at Warby Parker right now is the Citi Custom Cash® Card, earning 5% cash back. 5% auto-detects your top spend category (up to $500/mo) — health care providers eligible (doctor visits, hospitals, dental, vision)

Does any credit card offer more than 2% at Warby Parker?

Yes — the Citi Custom Cash® Card at 5%, the U.S. Bank Cash+® Visa Signature® at 5%, the CareCredit® Credit Card at 5% all earn above 2% at Warby Parker.

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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.