Best 2% Cash-Back Cards

Best 2% Cash-Back Cards
Best 2% Cash-Back Cards

Best 2% Cash-Back Cards. While I don’t have access to real-time data or current offers, I can certainly provide some general advice on what to look for in a 2% cash-back credit card, based on typical offerings. There are a few credit cards in the market that offer a flat 2% cash-back on all purchases, which is quite straightforward and uncomplicated. Here’s what to consider when looking for a good 2% cash-back card:

Best 2% Cash-Back Cards

1. Annual Fee

  • No Annual Fee: Ideally, a good 2% cash-back card should have no annual fee, ensuring all the cash-back actually contributes to your savings.
  • With Annual Fee: Some cards with an annual fee may offer additional benefits that can outweigh the cost, depending on your spending habits.

2. Redemption Options

  • Statement Credit: Check if you can apply your cash-back as a statement credit.
  • Direct Deposit: Some cards allow you to deposit the cash-back directly into your bank account.
  • Gift Cards or Merchandise: Sometimes you may redeem the cash-back for gift cards or merchandise, though this may not provide the best value.

3. Introductory Offers

  • Sign-up Bonus: Some cards offer a cash bonus if you spend a certain amount within the first few months.
  • 0% Intro APR: Look for cards that offer a 0% introductory APR on purchases or balance transfers.

4. Additional Benefits

  • Purchase Protection: This covers your purchases against damage or theft.
  • Extended Warranty: This can extend the manufacturer’s warranty on your purchases.
  • Travel Insurance: Some cards offer travel insurance benefits, such as rental car insurance and trip cancellation insurance.
  • Price Protection: This allows you to get reimbursed for the difference if the price of an item you purchased drops within a certain period.

5. Customer Service

  • Accessibility: Ensure that customer service is accessible and helpful.
  • Online Management: Look for a card with a user-friendly online platform and mobile app.

6. Foreign Transaction Fees

  • Consider whether the card charges foreign transaction fees if you travel or shop internationally.

Example Cards

  • Citi Double Cash Card: Offers up to 2% cash-back on all purchases: 1% when you buy and 1% when you pay the minimum due.
  • Fidelity Rewards Visa Signature Card: Provides unlimited 2% cash-back on all purchases, but rewards need to be deposited into a Fidelity account.
  • PayPal Cashback Mastercard: Offers a flat 2% cash-back on all purchases.


  • Always ensure to read the terms and conditions.
  • Check for any category restrictions or limits on cash-back rewards.
  • Ensure to pay off the statement balance in full each month to avoid paying interest and maximize the value of the cash-back.

You might want to check recent reviews and comparisons online for the most up-to-date information on the best 2% cash-back cards available. Remember that your credit score, spending habits, and reward preferences play a crucial role in determining the best card for you.

Also Checkout: How to Pay Off Credit Card Debt

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