While we love earning travel rewards here at TPG, there’s also some real value in using a cash-back credit card to earn cold, hard cash back in your pocket. There are several cards that will give you a solid 2% cash back on every single purchase you make — with hardly any effort.
With these fixed 2% cash-back credit cards, there’s no need to pay attention to category bonuses, activate an increased earning rate, or even select a category of your choice. The cash back is yours, regardless of the purchase you make. It’s truly as simple as it looks.
Best of all, these cards have no — or extremely high — caps to the amount of cash back you can earn.
Overview of the best 2% cash-back credit cards
Here are six of our top picks for the best 2% cash-back cards.
The information for the U.S. Bank Smartly Visa Signature Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The best 2% cash-back credit cards
Citi Double Cash Card
Those searching for a simple cash-back card with no bonus categories to track will love the Citi Double Cash.
Annual fee: $0
Welcome offer: Earn $200 cash back after spending $1,500 on purchases in the first six months of account opening.
Daily Newsletter
Reward your inbox with the TPG Daily newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts
Why we like it: The Citi Double Cash Card is one of the simplest and most valuable credit cards available. With 2% cash back — 1% when you make a purchase, plus 1% when you pay that purchase off — your rewards are very simple every time you swipe it.
Best of all, if at a future time, you decide that you’d prefer to redeem your cash-back rewards for travel instead, you’ll have that opportunity as well — if you pair this card with a premium Citi ThankYou product, such as the Citi Strata Premier℠ Card (see rates and fees).
While this card has a $0 annual fee, the card doesn’t offer many perks in the way of purchase or travel protection. It’s also not an ideal card for international travel due to its 3% foreign transaction fee.
To learn more, read our full review of the Citi Double Cash.
Apply here: Citi Double Cash Card
Wells Fargo Active Cash Card
If cellphone protection is a benefit you want from your wallet, consider the Wells Fargo Active Cash.
Annual fee: $0 (rates and fees)
Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first three months.
Why we like it: The Wells Fargo Active Cash Card is one of the few unlimited 2% cash rewards cards with no annual fee that also comes with a welcome bonus. With this card, you’ll earn a $200 cash rewards bonus after spending $500 in purchases in the first three months.
Additionally, the card offers cellular telephone protection that covers against theft or damage as long as you pay for your entire bill with the card. With this benefit, you’ll be covered up to $600 per claim (with a $25 deductible), though you are capped at two claims per 12-month period.
You can redeem your cash rewards for gift cards, a statement credit, and a deposit to a qualifying Wells Fargo checking account or mortgage. There’s no cap on the amount of cash rewards you can receive.
To learn more, read our full review of the Wells Fargo Active Cash.
Apply here: Wells Fargo Active Cash Card
Synchrony Premier World Mastercard
If you don’t care whether your cash-back card comes from a major issuer, consider the solid Synchrony Premier World Mastercard.
Annual fee: $0
Welcome offer: None
Why we like it: While the Synchrony Premier World Mastercard isn’t often discussed, it’s a top choice for earning cash back. You’ll earn 2% cash back on every purchase you make — with no caps — applied as a statement credit automatically.
Even though the card doesn’t offer a welcome bonus, cardmembers will get some lucrative benefits despite the card coming with no annual fee. Since the card is a World Mastercard, you’ll receive perks like Lyft credits, Hello Fresh credits and a complimentary three-month DoorDash DashPass membership.
To learn more, read our full review of the Synchrony Premier World Mastercard.
Apply here: Synchrony Premier World Mastercard
American Express Blue Business Cash Card
Small businesses looking for a cash-back card should consider the American Express Blue Business Cash.
Annual fee: $0 (see rates and fees)
Welcome offer: Earn a $250 statement credit after spending $3,000 in purchases in your first three months of account opening.
Why we like it: A business credit card that offers 2% cash back is the American Express Blue Business Cash Card. This card is also extremely straightforward, but your increased earnings are capped at $50,000 per calendar year (you’ll then receive 1% back on your purchases).
Redeeming your cash back is incredibly easy, as you’ll receive the money earned automatically as a monthly statement credit. If you have a small business that spends less than the cap threshold annually, this may be a preferred card due to the $0 annual fee.
To learn more, read our full review of the Blue Business Cash.
Apply here: American Express Blue Business Cash Card
Capital One Spark Cash Plus
Small businesses that spend a lot each year should consider the Capital One Spark Cash Plus.
Annual fee: $150 (see rates and fees)
Welcome offer: Earn a $2,000 cash bonus after spending $30,000 in the first three months. Plus, earn an additional $2,000 bonus for every $500,000 spent in the first year.
Why we like it: If you have a decent amount of spending coming up and are looking for a small-business card, the Capital One Spark Cash Plus may be the right option for you. While earning 2% cash back on all purchases is one reason to get the card, the current welcome bonus makes it even more enticing.
This is a huge offer to jump-start your company’s cash reserves, but it does have a high spending requirement to unlock the bonus.
While the card may initially be appealing due to its large welcome bonus, you’ll want to make sure the continuous benefits outweigh the $150 annual fee (see rates and fees) in subsequent years.
Benefits include no foreign transaction fees (see rates and fees), roadside assistance, extended warranty protection, and free employee cards (see rates and fees). Additionally, you can get your $150 annual fee refunded every year you spend at least $150,000.
To learn more, read our full review of the Spark Cash Plus.
Apply here: Capital One Spark Cash Plus
U.S. Bank Smartly Visa Signature Card
If you’re a loyal U.S. Bank customer, check out the U.S. Bank Smartly Visa.
Annual fee: $0
Welcome offer: No welcome offer
Why we like it: The new U.S. Bank Smartly Visa Signature Card earns up to 4% cash back on all purchases. The card earns a simple 2% cash back on all purchases and up to an additional 2% cash back when you also have a U.S. Bank Smartly® Savings account.
Based on your savings account balance, you can earn anywhere from 2.5% cash back to 4% cash back with the U.S. Bank Smartly card.
If you have a large amount of money with U.S. Bank, this card is definitely worth considering.
Honorable mentions
In addition to the list above, there are a few other credit cards that will also earn you 2% cash back. However, they are not as simple. From being required to join a credit union to being an iPhone user, there are more caveats to these cards, so they won’t work for the masses.
If you’re looking for another option, though, these cards will also earn you 2% back with a little bit of effort:
- Apple Card*
- The Alliant Cashback Visa® Signature Credit Card*
- SoFi Credit Card*
- Fidelity® Rewards Visa Signature® Credit Card*
- PenFed Power Cash Rewards Visa Signature® Credit Card*
Still, one of the best things about a cash-back card is its simplicity, so consider whether the extra steps these cards require will be worth it for you in the long run.
*The information for all the cards listed in this section has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: The pros and cons of cash-back credit cards
Bottom line
If you want simplicity in your life, a 2% cash-back credit card may be the answer.
While other credit cards offer more rewards on specific category purchases, they may require you to juggle multiple cards in your wallet at once while being on top of which card to use for every single purchase you make. Knowing you’ll always receive 2% cash back may be an easier and more appealing option for you.
Related: How to choose a cash-back card
For rates and fees of the American Express Blue Business Cash Card, click here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
ADVERTISEMENT:
Hai, sobat pengemar slot! pernahkah denger semboyan “slot gaco”? Kalau belum, siap-siap jatuh cinta dengan program ini. raja slot adalah mesin slots yang sering memberi win. Ya, slot-slot ini bisa dibilang sebagai andalannya buat bawa come back hasil. tapi, gimana sih
tekniknya jumpain slot demo yang tepat? Tenang Bro and Sis, kita beri tenang aja di sini
Permainan tergacor waktu sekarang hanya satu berada Indonesia hanya di yang menyediakan return on Investment terbesar
Daftar hanya di :
Informasi mengenai KING SLOT, Segera Daftar Bersama king selot terbaik dan terpercaya no satu di Indonesia. Boleh mendaftar melalui sini king slot serta memberikan hasil kembali yang paling tinggi saat sekarang ini hanyalah KING SLOT atau Raja slot paling gacor, gilak dan gaco saat sekarang di Indonesia melalui program return tinggi di kingselot serta pg king slot
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
situs slot terbaru
situs slot terbaru permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
slot terbaru
slot terbaru permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
elangwin88 permainan paling top dan garansi imbal balik hasil besar bersama elangwin88.me
eyangslot88 permainan paling top dan garansi imbal balik hasil besar bersama eyangslot88.biz
fendi88 permainan paling top dan garansi imbal balik hasil besar bersama fendi88.asia
gaco888 permainan paling top dan garansi imbal balik hasil besar bersama gaco888.net
gacoan888 permainan paling top dan garansi imbal balik hasil besar bersama gacoan888.biz
gacor666 permainan paling top dan garansi imbal balik hasil besar bersama gacor666.biz
gambar88 permainan paling top dan garansi imbal balik hasil besar bersama gambar88.org
gameboy777 permainan paling top dan garansi imbal balik hasil besar bersama gameboy777.com
ganas88 permainan paling top dan garansi imbal balik hasil besar bersama ganas88.me
gasing77 permainan paling top dan garansi imbal balik hasil besar bersama gasing77.asia
gasing88 permainan paling top dan garansi imbal balik hasil besar bersama gasing88.info
geber888 permainan paling top dan garansi imbal balik hasil besar bersama geber888.net
gemoy77 permainan paling top dan garansi imbal balik hasil besar bersama gemoy77.live
gercep888 permainan paling top dan garansi imbal balik hasil besar bersama gercep888.asia
giga333 permainan paling top dan garansi imbal balik hasil besar bersama giga333.live
happybet88 permainan paling top dan garansi imbal balik hasil besar bersama happybet88.asia
harum88 permainan paling top dan garansi imbal balik hasil besar bersama harum88.live
heroslot888 permainan paling top dan garansi imbal balik hasil besar bersama heroslot888.info
jejuslot88 permainan paling top dan garansi imbal balik hasil besar bersama jejuslot88.co
kenzo88 permainan paling top dan garansi imbal balik hasil besar bersama kenzo88.me
kerangwin88 permainan paling top dan garansi imbal balik hasil besar bersama kerangwin88.com
kijangwin88 permainan paling top dan garansi imbal balik hasil besar bersama kijangwin88.asia
kingdomtoto4d permainan paling top dan garansi imbal balik hasil besar bersama kingdomtoto4d.asia
kingdomtoto77 permainan paling top dan garansi imbal balik hasil besar bersama kingdomtoto77.asia
king selot permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
king slot permainan paling top dan garansi imbal balik hasil besar bersama kingslot.bio
king slot permainan paling top dan garansi imbal balik hasil besar bersama kingslot.com
kingselot permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
kuta88 permainan paling top dan garansi imbal balik hasil besar bersama kuta88.asia
ladangtoto88 permainan paling top dan garansi imbal balik hasil besar bersama ladangtoto88.asia
ligaciputra88 permainan paling top dan garansi imbal balik hasil besar bersama ligaciputra88.asia
mabar888 permainan paling top dan garansi imbal balik hasil besar bersama mabar888.info
mamen88 permainan paling top dan garansi imbal balik hasil besar bersama mamen88.info
mami88 permainan paling top dan garansi imbal balik hasil besar bersama mami88.live
maniaslot88 permainan paling top dan garansi imbal balik hasil besar bersama maniaslot88.pro
mantra888 permainan paling top dan garansi imbal balik hasil besar bersama mantra888.asia
mawartoto4d permainan paling top dan garansi imbal balik hasil besar bersama mawartoto4d.pro
maxwin888 permainan paling top dan garansi imbal balik hasil besar bersama maxwin888.pro
mega88 permainan paling top dan garansi imbal balik hasil besar bersama mega88.org
mekar999 permainan paling top dan garansi imbal balik hasil besar bersama mekar999.asia
milan96 permainan paling top dan garansi imbal balik hasil besar bersama milan96.asia
olxtoto77 permainan paling top dan garansi imbal balik hasil besar bersama olxtoto77.asia
olxtoto88 permainan paling top dan garansi imbal balik hasil besar bersama olxtoto88.life
panen4d permainan paling top dan garansi imbal balik hasil besar bersama panen4d.asia
pisang88 permainan paling top dan garansi imbal balik hasil besar bersama pisang88.org
planet7777 permainan paling top dan garansi imbal balik hasil besar bersama planet7777.com
prediksi777 permainan paling top dan garansi imbal balik hasil besar bersama prediksi777.live
prediksi88 permainan paling top dan garansi imbal balik hasil besar bersama prediksi88.asia
preman88 permainan paling top dan garansi imbal balik hasil besar bersama preman88.asia
preman96 permainan paling top dan garansi imbal balik hasil besar bersama preman96.asia
premium88 permainan paling top dan garansi imbal balik hasil besar bersama premium88.asia
prima88 permainan paling top dan garansi imbal balik hasil besar bersama prima88.live
kingselot permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
rajaslotjp88 permainan paling top dan garansi imbal balik hasil besar bersama rajaslotjp88.com
roma88 permainan paling top dan garansi imbal balik hasil besar bersama roma88.asia
salju888 permainan paling top dan garansi imbal balik hasil besar bersama salju888.asia
semutwin88 permainan paling top dan garansi imbal balik hasil besar bersama semutwin88.info
king slot.com permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
sultan777 permainan paling top dan garansi imbal balik hasil besar bersama sultan777.asia
sultan888 permainan paling top dan garansi imbal balik hasil besar bersama sultan888.asia
sultan99 permainan paling top dan garansi imbal balik hasil besar bersama sultan99.asia
super333 permainan paling top dan garansi imbal balik hasil besar bersama super333.live
suster12 permainan paling top dan garansi imbal balik hasil besar bersama suster12.com
tokekwin88 permainan paling top dan garansi imbal balik hasil besar bersama tokekwin88.info
tokyo777 permainan paling top dan garansi imbal balik hasil besar bersama tokyo777.info
tumi88 permainan paling top dan garansi imbal balik hasil besar bersama tumi88.live
vioslot88 permainan paling top dan garansi imbal balik hasil besar bersama vioslot88.asia
dora777 permainan paling top dan garansi imbal balik hasil besar bersama dora777.asia
dp88 permainan paling top dan garansi imbal balik hasil besar bersama dp88.biz
fila888 permainan paling top dan garansi imbal balik hasil besar bersama fila888.org
gaco888slot permainan paling top dan garansi imbal balik hasil besar bersama gaco888slot.com
gadunslot88 permainan paling top dan garansi imbal balik hasil besar bersama gadunslot88.asia
gagah88 permainan paling top dan garansi imbal balik hasil besar bersama gagah88.info
gaskan888 permainan paling top dan garansi imbal balik hasil besar bersama gaskan888.biz
gatotkaca88 permainan paling top dan garansi imbal balik hasil besar bersama gatotkaca88.info
gemoy888 permainan paling top dan garansi imbal balik hasil besar bersama gemoy888.biz
gemoy888slot permainan paling top dan garansi imbal balik hasil besar bersama gemoy888slot.info
gocap888 permainan paling top dan garansi imbal balik hasil besar bersama gocap888.net
god777 permainan paling top dan garansi imbal balik hasil besar bersama god777.biz
hari888 permainan paling top dan garansi imbal balik hasil besar bersama hari888.biz
hermes88 permainan paling top dan garansi imbal balik hasil besar bersama hermes88.biz
holywin999 permainan paling top dan garansi imbal balik hasil besar bersama holywin999.com
indojaya88 permainan paling top dan garansi imbal balik hasil besar bersama indojaya88.org
indomaster88 permainan paling top dan garansi imbal balik hasil besar bersama indomaster88.asia
jablay88slot permainan paling top dan garansi imbal balik hasil besar bersama jablay88slot.net
janjigacor88 permainan paling top dan garansi imbal balik hasil besar bersama janjigacor88.net
jeniustoto88 permainan paling top dan garansi imbal balik hasil besar bersama jeniustoto88.com
jeniustoto88slot permainan paling top dan garansi imbal balik hasil besar bersama jeniustoto88slot.com
juara88 permainan paling top dan garansi imbal balik hasil besar bersama juara88.info
juara88slot permainan paling top dan garansi imbal balik hasil besar bersama juara88slot.org
jwtogel88 permainan paling top dan garansi imbal balik hasil besar bersama jwtogel88.net
kasih88 permainan paling top dan garansi imbal balik hasil besar bersama kasih88.info
kawantogel88 permainan paling top dan garansi imbal balik hasil besar bersama kawantogel88.com
kawantogel88 permainan paling top dan garansi imbal balik hasil besar bersama kawantogel88.net
kedai88 permainan paling top dan garansi imbal balik hasil besar bersama kedai88.asia
king9999 permainan paling top dan garansi imbal balik hasil besar bersama king9999.org
kkslot88 permainan paling top dan garansi imbal balik hasil besar bersama kkslot88.info
kongsi888 permainan paling top dan garansi imbal balik hasil besar bersama kongsi888.com
kutu88slot permainan paling top dan garansi imbal balik hasil besar bersama kutu88slot.com
liga899 permainan paling top dan garansi imbal balik hasil besar bersama liga899.org
lisboa777slot permainan paling top dan garansi imbal balik hasil besar bersama lisboa777slot.com
