Best 2% Cash Back Credit Cards of 2024
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Forget about rotating categories. Ignore cards with enhanced rewards on just some purchases. In this article, we list the best 2% cashback credit cards.
![2% cash back credit cards 2% cash back credit cards](https://allcards.wpenginepowered.com/wp-content/uploads/2021/01/Depositphotos_377938358_xl-2015-edited-scaled.jpg)
The “best” rewards cards will vary depending on how you use the card. They will also vary based on how many cards you want to use. What won’t change is the card you should use for everyday purchases. And that card should give you at least 2% in rewards for every $1 you charge to the card.
With that, here’s our list of the best 2% cash back credit cards.
- Citi® Double Cash Card
- Synchrony Premier World Mastercard®
- Wells Fargo Active Cash® Card
- Ink Business Premier® Credit Card
- SoFi Unlimited 2% Credit Card
- Alliant Cashback Visa® Signature Credit Card
- Fidelity® Rewards Visa Signature® Credit Card
- Capital One Spark Cash Plus
- Capital One Venture Rewards Credit Card
- FAQs
Citi® Double Cash Card
![](https://allcards.wpenginepowered.com/wp-content/uploads/2021/06/Citi-Double-Cash-1.png)
The card comes with other features we like as well. There is no annual fee. And if you need a balance transfer, this card offers 0% intro APR on Balance Transfers for 18 months months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness. That said, there are some downsides. It’s not a great card to travel overseas with as it charges a foreign transaction fee. It also requires excellent credit to get approved.
Rewards:
- Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
- 0% Intro APR: Get 0% APR on balance transfers for the first 18 months
- Annual Fee: $0
- Foreign Transaction Fee: 3%
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/21/2024 | TransUnion | ||
Approved | 04/21/2024 | Equifax | ||
Approved | 03/12/2024 | Equifax | ||
Approved | 03/12/2024 | Equifax | ||
Approved | 03/12/2024 | Equifax | ||
Approved | 03/12/2024 | Equifax | ||
Approved | 03/12/2024 | Experian | ||
Approved | 03/12/2024 | TransUnion | ||
Approved | 02/03/2024 | Experian | ||
Approved | 02/03/2024 | TransUnion | ||
Approved | 02/03/2024 | Equifax | ||
Approved | 01/19/2024 | Not Provided | ||
Approved | 12/12/2023 | Not Provided | ||
Approved | 01/11/2024 | Not Provided | ||
Approved | 05/22/2024 | Experian | ||
Approved | 11/13/2023 | Not Provided | ||
Approved | 11/28/2023 | TransUnion | ||
Approved | 11/28/2023 | Experian | ||
Approved | 11/28/2023 | Equifax | ||
Denied | 01/03/2024 | Not Provided | ||
Denied | 05/10/2024 | Not Provided |
Read our Citi® Double Cash Card Review
Synchrony Premier World Mastercard®
![](https://allcards.wpenginepowered.com/wp-content/uploads/2021/11/Synchrony-Premier-World-Mastercard-e1638034568983.png)
It does not, however, come with other features offered by some of the cards on this page. For example, it doesn’t come with a signup bonus or a 0% APR introductory rate.
Rewards:
- Welcome Bonus:
- 0% Intro APR: None offered
- Annual Fee: $0
- Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/04/2023 | Experian |
Read our Synchrony Premier World Mastercard® Review
Wells Fargo Active Cash® Card
![](https://allcards.wpenginepowered.com/wp-content/uploads/2021/07/Wells-Fargo-Active-Cash-1.png)
Rewards:
- Welcome Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- 0% Intro APR: 0% for 15 months from account opening on qualifying balance transfers and for 15 months from account opening on purchases, then regular APR of 20.24%, 25.24% or 29.99% applies.
- Annual fee: $0
- Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars.
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/20/2023 | Not Provided | ||
Approved | 09/02/2023 | Experian | ||
Approved | 09/02/2023 | Equifax | ||
Approved | 09/02/2023 | TransUnion | ||
Approved | 06/03/2023 | Equifax | ||
Approved | 02/18/2023 | Not Provided | ||
Approved | 06/23/2023 | Experian | ||
Approved | 04/14/2023 | Experian | ||
Approved | 10/23/2023 | Equifax | ||
Approved | 04/26/2023 | Experian | ||
Approved | 04/26/2023 | TransUnion | ||
Approved | 04/26/2023 | Equifax | ||
Approved | 10/04/2023 | Experian | ||
Approved | 09/24/2023 | Experian | ||
Approved | 09/24/2023 | TransUnion | ||
Approved | 09/24/2023 | Equifax | ||
Denied | 04/01/2023 | TransUnion | ||
Denied | 04/01/2023 | Experian | ||
Denied | 04/01/2023 | Equifax |
Read our Wells Fargo Active Cash® Card Review
Ink Business Premier® Credit Card
![](https://allcards.wpenginepowered.com/wp-content/uploads/2022/10/Chase-Ink-Business-Premier-e1704750337161.jpg)
Rewards:
- Welcome Bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Annual fee: $195
- Intro APR: None
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/27/2023 | Experian | ||
Approved | 01/03/2023 | Not Provided | ||
Approved | 01/03/2023 | Not Provided | ||
Approved | 01/03/2023 | Not Provided |
Read our Ink Business Premier® Credit Card Review
SoFi Unlimited 2% Credit Card
![](https://allcards.wpenginepowered.com/wp-content/uploads/2021/03/SoFi-Credit-Card-1.png)
Rewards:
- Welcome Bonus:
- 0% Intro APR: None offered
- Annual Fee: $0
- Foreign Transaction Fee: None
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/27/2021 | TransUnion | ||
Approved | 05/25/2022 | Experian | ||
Approved | 05/20/2022 | Experian | ||
Approved | 05/20/2022 | TransUnion | ||
Approved | 05/20/2022 | Equifax | ||
Approved | 12/17/2020 | Experian | ||
Approved | 02/22/2021 | Not Provided | ||
Denied | 04/11/2022 | Experian | ||
Denied | 04/11/2022 | TransUnion | ||
Denied | 04/11/2022 | Equifax | ||
Denied | 04/18/2021 | Experian |
Read our SoFi Unlimited 2% Credit Card Review
Alliant Cashback Visa® Signature Credit Card
![](https://allcards.wpenginepowered.com/wp-content/uploads/2020/04/Alliant-Cash-Back-Visa-Signature.jpeg)
However, to earn 2.5% cash back you’ll also need to open an Alliant High Rate Checking account, receive at least one direct deposit per month, and maintain an average daily balance of at least $1,000. Furthermore, you only receive your cash back rewards as a statement credit or deposited into your checking account.
Rewards:
- Welcome Bonus: None
- 0% Intro APR: None offered
- Annual Fee: $0
- Foreign Transaction Fee: None
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/10/2023 | TransUnion |
Read our Alliant Cashback Visa® Signature Credit Card Review
Fidelity® Rewards Visa Signature® Credit Card
![](https://allcards.wpenginepowered.com/wp-content/uploads/2023/05/Fidelity-Rewards-Visa-Signature.png)
So what’s the catch? The rewards have to be paid into an eligible Fidelity account. That’s not a problem if you already have a Fidelity account. If you don’t have a Fidelity account, you can redeem your cash back rewards for travel or merchandise, but they’re only worth 1% cash back.
Rewards:
- Welcome Bonus:
- 0% Intro APR: None offered
- Annual Fee: $0
- Foreign Transaction Fee: None
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/21/2024 | Experian | ||
Approved | 03/21/2024 | TransUnion | ||
Approved | 03/21/2024 | Equifax | ||
Approved | 02/06/2024 | Not Provided | ||
Approved | 04/30/2024 | TransUnion | ||
Approved | 11/28/2023 | Equifax | ||
Approved | 02/21/2024 | Experian | ||
Approved | 02/21/2024 | Equifax | ||
Approved | 02/21/2024 | TransUnion | ||
Approved | 02/21/2024 | Experian | ||
Approved | 02/21/2024 | TransUnion | ||
Approved | 02/21/2024 | Equifax | ||
Approved | 02/21/2024 | Equifax | ||
Approved | 02/21/2024 | Not Provided | ||
Approved | 10/01/2023 | Not Provided | ||
Approved | 10/01/2023 | Not Provided | ||
Approved | 10/01/2023 | Not Provided | ||
Approved | 10/01/2023 | Not Provided | ||
Approved | 10/01/2023 | Not Provided | ||
Approved | 10/01/2023 | Not Provided | ||
Approved | 10/01/2023 | TransUnion | ||
Approved | 10/01/2023 | Not Provided | ||
Approved | 04/19/2024 | TransUnion | ||
Approved | 10/13/2023 | Experian | ||
Approved | 01/27/2024 | Equifax | ||
Approved | 01/27/2024 | Experian |
Read our Fidelity® Rewards Visa Signature® Credit Card Review
Capital One Spark Cash Plus
![](https://allcards.wpenginepowered.com/wp-content/uploads/2021/08/Capital-One-Spark-Cash-Plus.png)
Rewards:
- Welcome Bonus: $1,200 Cash Back once you spend $30,000 in the first 3 months
- 0% Intro APR: None offered
- Annual Fee: $150
- Foreign Transaction Fee: None
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 11/01/2023 | Not Provided |
Read our Capital One Spark Cash Plus Review
Capital One Venture Rewards Credit Card
![](https://allcards.wpenginepowered.com/wp-content/uploads/2021/07/Capital-One-Venture.png)
Rewards:
- Welcome Bonus: Limited-time offer: For a limited time, earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel
- 0% Intro APR: Not offered
- Annual Fee: $95
- Foreign Transaction Fee: None
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 07/11/2023 | TransUnion | ||
Approved | 07/11/2023 | Equifax | ||
Approved | 07/11/2023 | Experian | ||
Approved | 04/19/2024 | Experian | ||
Approved | 04/19/2024 | Equifax |
Read our Capital One Venture Rewards Credit Card Review
FAQs
Is 2% cash back a good deal?
Yes. A credit card that pays 2% cash back or more on every purchase is rare. The vast majority of cash back credit cards pay one to 1.5% cash back. Those cards that pay more typically have limitations, such as the categories that qualify for the enhanced rewards, spending caps, or rotating categories that change every 3 months.
Does Capital One have a 2% cash back card?
Yes, it does offer a 2% cash back credit card for small businesses. For consumers, it does not have a true 2% cash back card, although the Venture Card does payout 2% in rewards if used for travel.
Which credit card gives the most cash back?
The credit card that pays the most cash back on all purchases is currently the Alliant cashback Visa signature card. It pays 2.5% cashback on all purchases up to a monthly spending cap of $10,000.
Don’t some credit cards pay 5% cash back?
Yes, but not on all purchases. The 5% cash back cards pay the enhance rate all only specific types of purchases that change each quarter. In addition, the 5% cash back is limited to no more than $1,500 in spending each quarter.