Best 2% Cash-Back Cards of 2024
Best 2% Cash-Rewards Card With 0% APR
Wells Fargo Active Cash® Card
On Wells Fargo's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Wells Fargo's Website
Unlimited 2% Rewards Rate
Earn unlimited 2% cash rewards on purchases
Welcome Bonus
$200 Cash Rewards
Annual Fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Credit Score
Excellent, Good(700 - 749)
Editorial Review
The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.
Pros & Cons
- Unlimited 2% cash rewards on purchases
- $0 annual fee
- Cell phone protection benefit
- There’s a balance transfer fee
- There’s a foreign transaction fee
- No travel transfer partners
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 2% Cash-Back Card for Travel Perks
Navy Federal Credit Union Visa Signature® Flagship Rewards Card
On Navy Federal Credit Union's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Navy Federal Credit Union's Website
Up to 3X Reward Rate
Earn 3 points per dollar on travel and 2 points per dollar on everything else.
Welcome Bonus
35,000 bonus points + Amazon Prime®
Annual Fee
$49
Regular APR
15.24% - 18.00% variable
Credit Score
Good,Excellent(700 - 749)
Why We Picked It
Membership is required, and there’s a modest annual fee, but the benefits can be worthwhile. You’ll get a solid rewards rate on spending, decent ongoing APR and generous welcome offer. If you qualify, go for it.
Pros & Cons
- 3 points per dollar on travel and 2 points per dollar on everything else
- No foreign transaction fees
- Relatively low APR
- No cash advance fees
- A free year of Amazon Prime®
- Requires Navy Fed Membership, although that is easier to obtain than you might imagine
Card Details
- Earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening your account. Plus a free year of Amazon Prime® worth of $139 value.
- 3 points per dollar spent on travel and 2 points on everything else
- No foreign transaction fees
- Statement credits of up to $100 for Global Entry or TSA PreCheck
Earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening your account. Plus a free year of Amazon Prime® worth of $139 value.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Automating Your Investing
Fidelity® Rewards Visa Signature® Credit Card *
3.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
2% Reward Rate
Earn unlimited 2% cash back on every eligible net purchase when you direct deposit your rewards into your eligible FidelityRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
19.24% variable
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
The Fidelity Rewards Visa Signature card is a fantastic option for people who want a simple way to earn cash back on all credit card spending and have or plan to have an account with Fidelity. The 2% earning rate is among the best flat-rate rewards program you’ll find on any credit card.
Pros & Cons
- Visa Signature benefits
- Earn unlimited rewards that don’t expire
- Simple 2% rewards rate with no categories to manage
- Rewards points must be deposited in a qualifying Fidelity account to get the full value
- No bonus spending categories to boost rewards
Card Details
- Earn unlimited 2% cash back
- Earn 2 points per dollar spent in eligible purchases
- No limits on total Reward Points and no restrictive categories
- Reward Points will not expire
- No annual fee
- Zero fraud liability
- Signature travel and shopping offers
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for High Earning Rate
Alliant Cashback Visa Signature Credit Card *
3.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 2.5% Reward Rate
Those eligible for Tier 1 Rewards earn 2.5% cashback on the first $10,000 of qualifying eligible purchases per billing cycleRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
17.49% - 27.49% variable
Credit Score
Excellent(750 - 850)
Why We Picked It
If you regularly rack up your monthly balance, the 2.5% return on the Alliant card is hard to beat. The downsides are that excellent credit is recommended before you apply for the card and the lack of a welcome bonus.
Pros & Cons
- 2.5% cash back rate on up to $10,000 in monthly purchases for eligible accounts (then 1.5%)
- No foreign transaction fees
- Generous credit line
- No intro APR offer
- No welcome bonus
- Requires a companion checking account with balance, direct deposit and e-statement requirements
Card Details
- Earn up to 2.5% cash back with no categories to track on up to $10,000 in purchases each billing cycle with qualifying accounts. All other purchases earn 1.5%
- You can choose to receive cash back from your Alliant credit card via a credit card statement credit (appearing within one billing cycle) or as a deposit into your Alliant checking or savings
- Up to $5,000 of Personal Identity Theft Protection for covered expenses to restore your identity
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Welcome Bonus
Evergreen® Rewards Visa Signature® Card *
3.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Unlimited 2X Reward Rate
Earn Unlimited 2% Cash Back on every purchase
Welcome Bonus
$200 cash bonus
Annual Fee
$0
Regular APR
20.99% - 28.99% variable
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
If you’re looking for unlimited 2% cash back on every purchase, the FNBO Evergreen Card checks that box.
Pros & Cons
- Simple and generous cash back rewards
- Intro APR offer on both purchases and balance transfers
- No annual fee
- High balance transfer fee
- Earnings can’t be used to book travel or transfer to travel partners
- Foreign transaction fee
Card Details
- $200 cash bonus (20,000 points equivalent) after spending $1,000 within the first 3 billing cycles after account is opened
- Earn unlimited 2% cash back on every purchase
- Rewards don’t expire
- Points can be reedemed for cash back as a statement credit, an ACH deposit into a checking or savings account or a check
- A balance transfer fee of 5% applies to each balance transfer that you make (minimum $10)
- No annual fee
$200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after account is opened.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
3.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On TD Bank's Website
2% Reward Rate
Earn 2% cash back on all eligible purchases.
Welcome Bonus
Earn $100 Cash Back in the form of a statement credit
Annual Fee
$0
Regular APR
20.24%, 25.24% or 30.24% variable APR based on your creditworthiness.
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
The TD Double Up Credit Card can be an excellent choice for a cash back credit for those living in one of the states where TD has a footprint.
Pros & Cons
- No annual fee
- Generous and simple rewards structure
- Introductory APR offer on balance transfers
- Card only available where TD Bank has a footprint
- Must accrue $25 in rewards to redeem
Card Details
- Bonus Cash Back: Earn $100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
- Earn unlimited 2% Cash Back on all eligible purchases
- No reward categories, no caps, no worries.
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
Bonus Cash Back: Earn $100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Paying Over Time
Upgrade OneCard *
3.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3X Reward Rate
Earn 3% cash back on qualifying spending categories (limited to $500 in rewards per calendar year; then earn 2%) andRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
14.99% - 29.99% variable
Credit Score
Good/Excellent(700 - 749)
Why We Picked It
As long as you meet account activity requirements, you’ll earn a minimum of 2% cash back on every purchase. The linked bank account gives you extra rewards and features, and all said, it’s a decent earning rate for everyday spending.
Pros & Cons
- The Pay Now, Pay Later feature is an interesting way to keep your finances on track
- Decent earning rate for everyday purchases, assuming you meet account activity requirements
- Potential for increased credit limit with linked bank account
- No annual or application fees
- Upgrade Rewards account required to earn maximum cash-back rewards
- 3% cash-back earnings capped at $500 per year
- Cash-back rate depends on account activity
- No additional card benefits
- Limited cash-back redemption options
Card Details
- Earn a $200 welcome bonus after opening a new Rewards Checking account and making 3 purchases
- Maintain a qualifying active Rewards Checking account and earn up to 3% cash back on qualifying spending categories (limited to $500 in rewards per calendar year; then earn 2%) and 2% cash back on all other eligible purchases
- Earn 1.5% cash back for all non-active Rewards Checking account holders on all purchases
- No annual fee
Earn a $200 welcome bonus after opening a new Rewards Checking account and making 3 purchases
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 2% Card for Automatic Redemptions
Synchrony Premier World Mastercard® *
3.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
2% Reward Rate
2% cash back on eligible purchases
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
19.24%, 25.24%, or 32.24% variable
Credit Score
Excellent(750 - 850)
Why We Picked It
The Synchrony Premier World Mastercard keeps things simple with a flat 2% cash back on all eligible purchases.
Pros & Cons
- 2% cash back with no categories or caps
- No annual fee
- No intro APR or welcome bonus
- 3% foreign transaction fee
Card Details
- Earn 2% cash back on eligible purchases
- No annual fee
- $0 fraud liability
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
3.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Citi's Website
Up to 2% Reward Rate
First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, youRead More
Welcome Bonus
Earn $200 cash back
Annual Fee
$0
Regular APR
19.24% - 29.24% (Variable)
Credit Score
Excellent, Good, Fair
Why We Picked It
The Citi Double Cash card’s simple cash back structure and long-lasting balance transfer APR offer make the Citi Double Cash a favorite among those who want to set it and forget it. It offers a solid cashback rate on all purchases and 0% intro APR on balance transfers, all without an annual fee.
Pros & Cons
- Earn up to 2% cash back—1% when the purchase is made and 1% when payment is made on the account
- No cash-back cap—no limit on the amount of cash back that can be earned
- No annual fee
- Introductory APR period for balance transfers
- Foreign transaction fee
- Balance transfer fee
- Lack of benefits seen in other no annual fee cards
- No introductory 0% APR on purchases
Card Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Amex Offers
Bread Cashback™ American Express® Credit Card *
3.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
2% Cash Back
Earn 2% unlimited cash back on everyday purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
20.74%, 31.24%, or 35.24% variable
Credit Score
Good, Excellent(700 - 749)
Why We Picked It
Enjoy flat-rate rewards with your Bread Cashback American Express Card. Plus, receive purchase protection in case an item you buy with this card is damaged or stolen.
Pros & Cons
- Solid and simple rewards
- No foreign transaction fees
- Access to Amex Offers
- No welcome offer
- Minimal cardholder perks
- No intro 0% APR
Card Details
- Earn 2% unlimited cash back when you use your card with no rewards caps, opt-ins or categories to manage
- No annual fee
- Access to American Express purchase protection, ID theft insurance and more
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Paying Down SoFi Loans
SoFi Credit Card *
3.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
2% Reward Rate
Earn 2% unlimited cash back on purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi.*
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
20.24% - 29.99% variable
Credit Score
Good(700 - 749)
Why We Picked It
The SoFi credit card joins several other top cash back credit cards on the market offering unlimited 2% cash back on purchases when your rewards are redeemed into an eligible SoFi account. The card excels at avoiding fine print.
Pros & Cons
- Excellent rewards rewards rate when redeemed into an eligible SoFi account
- No annual fee
- No foreign transaction fee
- Must redeem rewards into an eligible SoFi account for best value
Card Details
- Earn unlimited 2% cash back on eligible purchases and unlimited 3% cash back on SoFi Travel bookings
- Receive up to $1,000 of complimentary cell phone insurance coverage
- No annual fee
- No foreign transaction fees
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circ*mstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
