In this work, a numerical model is proposed for three-dimensional rolling contact problems with one or two elastic layers, and the tangential contact solution is emphasized. Previous works on this topic have mostly been two-dimensional, in which only longitudinal creepage has been considered. With the three-dimensional model presented in this work, all possible creepages, such as the longitudinal, lateral and spin creepages are taken into account. In order to improve the calculation efficiency, the conjugate gradient method and the FFT technique are employed. The influence coefficients for displacement and stress are obtained from the corresponding frequency response functions. The numerical results are validated against existing results and good agreement can be found. The effects of the different layers’ thicknesses and elastic moduli under different creepage combinations on the traction distribution and stick/slip results are investigated. It can be seen that by adjusting the layer parameters the traction and stick/slip results can be modified significantly, and it may, therefore, be very useful information for improving the rolling contact fatigue and mitigating wear problems in various mechanical systems.