John S Kiernan, Managing Editor
@John
The best 2% cash back credit card is the Wells Fargo Active Cash® Card because it has a $0 annual fee and gives unlimited 2% cash rewards on purchases. It also offers an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months.
For a rewards credit card, 2% cash back on everything is about the best you can aim for. That’s why Wells Fargo Active Cash is one of the best credit cards on the market right now. But there are a few other great 2%+ cash back credit cards to consider when shopping for the best deal.
Best 2% Cash Back Credit Cards
- Rates & FeesBest Overall: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Flat Rate Rewards: Citi® Double Cash Card – 18 month BT offerCiti® Double Cash Card – 18 month BT offerLearn MoreLearn Moreon issuer's website
- Excellent Credit: Synchrony Premier World Mastercard®Synchrony Premier World Mastercard®Learn MoreLearn More
- Apple Pay: Apple CardApple CardLearn MoreLearn More
- Bonus Rewards Above 2% Back: Alliant Cashback Visa® Signature Credit CardAlliant Cashback Visa® Signature Credit CardLearn MoreLearn More
- Best for Business: Capital One Spark Cash PlusCapital One Spark Cash PlusLearn MoreLearn More
At the end of the day, Wells Fargo Active Cash is the best 2% cash back credit card because it offers an unlimited 2% cash rewards rate on all purchases. Most 2 percent cash back credit cards put a cap on the amount you can earn with a 2%+ rate. Or they only give the rate on certain categories of purchases.
Blue Cash Preferred® Card from American Express
Anna Santos, Member
@anna_santos
The Citi Double Cash card. You get 1% cash back when you buy, and another 1% cash back as you pay for your purchases.
Morty Zachos, Member
@morty_zachos
I get 2% on my BOA Cash rewards, and there's no annual fee either!
People also ask
Is 2% rewards good?
Yes, 2% rewards is good for a credit card, especially if you're earning at least 2% back on all purchases, as the average rewards card offers just 1% back. Several credit cards offer either 2% cash back on all purchases or points/miles worth 2% back, while many more cards offer... read full answer
show lessWhat are the best 3% cash back credit cards?
The best credit cards for at least 3% cash back in major spending categories are:
- No Annual Fee: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & FeesTerms ApplyGas & Grocery Rewards: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
- Choose Your Own Bonus Categories: U.S. Bank Shopper Cash Rewards Visa Signature® CardU.S. Bank Shopper Cash Rewards Visa Signature® CardLearn MoreLearn More
- Initial Bonus: Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit CardLearn MoreLearn More
- Rewards & Low Intro APR: Capital One SavorOne Cash Rewards Credit CardCapital One SavorOne Cash Rewards Credit CardLearn MoreLearn More
All of these credit cards give 3% cash back, or more, on some types of purchases. There is no credit card currently on the market that gives 3% cash back on all purchases. The... read full answer
show lessWhat does double cash on a credit card mean?
Double cash on a credit card means you get 2% cash back on every purchase charged to the card. The term most often refers to the Citi Double Cash Card, which offers 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). There are, however, a few other cards that give double cash back.
Credit Cards with Double Cash Rewards
- Citi® Double Cash Card – 18 month BT offerCiti® Double Cash Card – 18 month BT offerLearn MoreLearn Moreon issuer's website
- Rates & FeesWells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Synchrony Premier World Mastercard®Synchrony Premier World Mastercard®Learn MoreLearn More
- Capital One Spark Cash PlusCapital One Spark Cash PlusLearn MoreLearn More
While... read full answer
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Paypal Master Card. https://www.paypal.com/us/webapps/mpp/credit-card/2-percent-cash-back-mastercard