Forget about rotating categories. Ignore cards with enhanced rewards on just some purchases. In this article, we list the best 2% cashback credit cards.

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 - 18 month BT offer

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. After that, the variable APR will be 18.49% - 28.49%, 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.
- Welcome Bonus: None
- Rewards: 2% cash back
All eligible purchases Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. - 0% APR: Get 0% APR on balance transfers for the first 18 months
- Annual Fee: $0
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each purchase.
Synchrony Premier World Mastercard®

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.
- Welcome Bonus: None
- Rewards: 2% cash back
All eligible purchases Earn 2% cash back on every purchase - 0% APR: None offered
- Annual Fee: $0
- Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
Wells Fargo Active Cash Card

- Welcome Bonus: Get $200 cash bonus rewards when you spend $1,000 in the first 3 months.
- Rewards: 2% cash back
All eligible purchases Earn unlimited 2% cash rewards on purchases - 0% APR: 0% for 15 months on balance transfers (transfer fees apply) and for 15 months on purchases, then regular APR of 19.24%, 24.24%, or 29.24% applies.
- Annual fee: $0
- Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars.
Alliant Cashback Visa Signature Card

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.
- Welcome Bonus: None offered
- Rewards: 2.5% cash back
All eligible purchases Earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases.1.5% cash backOn all other purchases Unlimited 1.5% cash back on all other qualifying eligible purchases. - 0% APR: None offered
- Annual Fee: $0
- Foreign Transaction Fee: None
Fidelity Rewards Visa Signature Card


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.
- Welcome Bonus: None offered
- Rewards: 2% cash back
All eligible purchases Earn unlimited 2% cash back on everyday spending - 0% APR: None offered
- Annual Fee: $0
- Foreign Transaction Fee: 1% of each foreign transaction
Capital One Spark Cash for Business

- Welcome Bonus:
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
- Rewards: 5% cash back
Hotels Earn unlimited 5% cash back on hotels booked through Capital One Travel.5% cash backRental Cars Earn unlimited 5% cash back on rental cars booked through Capital One Travel.2% cash backOn all other purchases Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions. - 0% APR: None offered
- Annual Fee: $150
- Foreign Transaction Fee: None
Capital One Venture Rewards Credit Card

- Welcome Bonus: Get 75,000 bonus miles when you spend $4,000 in the first 3 months.
- Rewards: 5x miles
Hotels Earn unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel2x milesAll eligible purchases Earn unlimited 2 miles per dollar on every purchase - 0% APR: Not offered
- Annual Fee: $95
- Foreign Transaction Fee: None
PayPal Cashback MasterCard

- Welcome Bonus: None offered
- Rewards: 3% cash back
All eligible purchases Earn 3% on Eligible Purchases you make using your Card Account through your PayPal account2% cash backOn all other purchases Earn 2% cash back on all other purchases - 0% APR: None offered
- Annual Fee: $0
- Foreign Transaction Fee: 3% of each transaction.
Apple Card

Beyond Apple purchases, it pays 2% cash back on all purchases made through Apple pay. If you swipe the card, however, you only earn 1% cash back.
Beyond rewards, the card has many great features. It doesn't charge an annual fee or just about any other fee for that matter. And the Apple card app on the iPhone is a thing of beauty. It helps you manage your spending and shows you the effect of interest charges if you don't pay off the card in full each month.
- Welcome Bonus: None offered
- Rewards: 3% cash back
Select Categories 3% cash back on goods or services when you use your Apple Card with Apple Pay on purchases directly from Apple. These include purchases from Apple retail stores, the Apple online store, iTunes, Apple Music and other Apple-owned properties. App Store purchases (including In-App Purchases ).3% cash backSelect Categories 3% cash back on select merchants when you use your Apple Card with Apple Pay: Ace Hardware, Duane Reed, Exxon, Mobil, Nike, T-Mobile, Panera Bread, Uber, Uber Eats, Walgreens2% cash backAll eligible purchases 2% cash back on purchases when you use your Apple Card with Apple Pay.1% cash backOn all other purchases 1% cash back on purchases made with the Apple Card. - 0% APR: None offered
- Annual Fee: $0
- Foreign Transaction Fee: None

1% to 5% cash back
$95
$750
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.