Best 2% Cash-Back Cards Of September 2024 (2024)

Rates & Fees

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)

Up to 5X Reward Rate

Earn 5% cashback per dollar spent on travel booked through the Robinhood travel portal. Earn 3% cashback on all otherRead More

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

20.24% - 29.99% variable

Credit Score

Good/Excellent(700 - 749)

The Robinhood Gold Card* allows Gold members to transfer cash back earnings to their Robinhood brokerage account.

Why We Like It

The Robinhood Gold Card* offers more than 2% cash back, instead giving cardholders 5% on travel through Robinhood’s portal and an impressive 3% cash back on all other purchases. That makes the card a no-brainer if you’re already a subscriber to Robinhood Gold.

The Robinhood Gold card charges no foreign transaction fees. It also provides a nice assortment of consumer and travel protections including trip interruption protection, purchase security, extended warranty protection, a secondary auto rental collision waiver and return protection.

What We Don’t Like

You need a Robinhood Gold membership to apply for this card which has an annual subscription fee of $75. For the extra 1% cash back that you get over a normal 2% cash-back card to cover that fee, you’d need to spend $7,500 a year on the card, which not everyone will do.

Who It’s Best For

Robinhood Gold members who want to earn cash-back rewards on everyday spending have a lot to love with this card.

Up to 3X Reward Rate

Earn 3% cash back on travel booked through SoFi Travel and unlimited 2% cash back on all purchases.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

20.24% - 29.99% variable

Credit Score

Good(700 - 749)

The SoFi Unlimited 2% Credit Card* joins several other top cash-back credit cards on the market offering a minimum of 2% cash back on all purchases and the opportunity to earn even more if you have a SoFi Checking account.

Why We Like It

While this card’s base rate is great, you can get even more value by setting up direct deposit into a SoFi Checking account. Those who do will get a 10% earnings boost, meaning that they’ll earn an unlimited 2.2% cash back on every purchase and 3.3% on SoFi Travel purchases.

This card doesn’t charge a foreign transaction fee and gives $1,000 of complimentary cellphone protection ($800 maximum per claim, 2 claims per year), giving you plenty of reasons to use it beyond the 2% cash back.

What We Don’t Like

To get this card, you need to have a SoFi account. If you just want a credit card and don’t want to open other accounts, you’ll need to look elsewhere.

Who It’s Best For

The SoFi Unlimited 2% Credit Card is best for those who have direct deposit with a SoFi Checking account or who are willing to set that up to earn the extra 10% on every purchase.

Up to 6X Reward Rate

Earn 6 points or 6% cash rebate per dollar spent on streaming services and 2 points or 2% cash rebateRead More

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

13.50% - 15.50% variable APR

Credit Score

Good, Excellent(700 - 749)

The Signature FCU Visa® Signature* is a solid choice for people who are already Signature FCU members, offering strong rewards on streaming in addition to 2% on all other purchases.

Why We Like It

The 6% cash-back rate is one of the best available for streaming purchases. The card offers Visa Signature services, such as trip delay and lost luggage reimbursem*nt. It’s also one of the lowest-cost cards you’ll find, with no annual fee, foreign transaction fee, or balance transfer fee and a starting APR that’s well below average.

What We Don’t Like

This card is only available to Signature FCU members so you’ll need to join before you can apply. While the low ongoing APR and lack of a balance transfer fee are nice, this card doesn’t offer an introductory APR on purchases or balance transfers so you’ll need to look elsewhere if you’re hoping to avoid interest completely for a period of time.

Who It’s Best For

The Signature FCU Visa® Signature* is best for Signature FCU members or those who spend enough on streaming to make it worthwhile to join.

Rates & Fees

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)

The Wells Fargo Active Cash® Card offers an unlimited 2% cash rewards on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash rewards cards on the market.

Why We Like It

The Wells Fargo Active Cash® Card offers cellphone protection when you use it to pay your cellphone bill. In addition to a solid welcome bonus, it has an intro APR offer, making it a good choice if you’re looking to open a new card. New cardholders get a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% (min. $5) then a fee of up to 5% (min. $5) applies.

What We Don’t Like

The card charges both foreign transaction fees and balance transfer fees, which you’ll need to keep in mind when traveling overseas or if you plan to consolidate balances from other cards.

Who It’s Best For

Consumers who want simple rewards without tracking, or an everyday card to pair with a card that earns bonus rewards in specific spending categories should consider the Wells Fargo Active Cash.

2X Reward Rate

Earn 2% cash back on every purchase

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

20.24% - 30.24% variable

Credit Score

Good, Excellent(700 - 749)

The PNC Cash Unlimited® Visa Signature® Credit Card* earns flat-rate cash-back rewards that can be redeemed for deposits to an eligible PNC Bank checking or savings account, gift cards or travel.

Why We Like It

With no annual fee and a balance transfer intro APR offer, this card could be a good choice for people looking to avoid fees and interest. You’ll get a 0% intro APR on balance transfers for the first 12 months of account opening, followed by a 20.24% – 30.24% variable APR. Balance transfers must be completed within 90 days of account opening and a fee of either $5 or 4% of the amount of each balance transfer, whichever is greater, applies. It also offers cellphone protection when you pay your cellphone bill with the card and charges no foreign transaction fees.

What We Don’t Like

The card has a high balance transfer fee, which limits the value of its intro APR offer.

Who It’s Best For

This card is best suited for existing PNC customers who prefer to redeem rewards directly to their PNC bank account.

Rates & Fees

2% Reward Rate

Earn 2% cash back on all eligible purchases.

Welcome Bonus

Earn $150 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)

The TD Double Up Credit Card can be an excellent choice for a cash-back credit card for residents in one of the states where TD operates.

Why We Like It

You can apply for this card even if you don’t have a TD bank account. It also doesn’t add any restrictions or requirements in order to earn its 2% cash-back rate.

What We Don’t Like

The Double Up card charges foreign transaction fees, so won’t be a good fit if you’re someone who often travels abroad.

Who It’s Best For

This card is ideal for existing TD Bank customers (or those who live within the bank’s service area) who rarely travel internationally.

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)

The 2.5% top cash-back rate on the Alliant Cashback Visa® Signature Credit Card* is hard to beat. The downsides are that you have to jump through some hoops to get it and it lacks a welcome bonus.

Why We Like It

This card’s top earning rate beats most of the other cards on this list. You can also use it worry-free overseas thanks to its lack of foreign transaction fees.

What We Don’t Like

You need to open an account at Alliant to be able to get the card. You also won’t get the 2.5% cash-back rate unless you maintain a $1,000 checking account balance and make at least one electronic deposit each month in an Alliant High Rate Checking Account.

If you don’t meet those requirements, your cash-back rate drops to 1.5%. Even if you do meet them, the 2.5% cash back is capped at the first $10,000 spent each billing cycle. Any spending above that will also earn the 1.5% base rate.

Who It’s Best For

The Alliant Cashback Visa® Signature Credit Card* is best for those who are willing and able to meet the banking requirements to qualify for the card’s top earnings rate each billing cycle.

Rates & Fees

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

The Citi Double Cash® Card offers a solid cash-back rate on all purchases and an intro APR on balance transfers, all without an annual fee.

Why We Like It

The Double Cash earns 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off, giving you even more reason to pay your credit card bill. You can transfer your rewards to other Citi cards, giving you more redemption options that may boost the value of your rewards.

New cardholders also get a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 19.24% – 29.24%, based on creditworthiness. An intro balance transfer fee of either $5 or 3%, whichever is greater, applies to transfers completed within the first 4 months of account opening. After that, the fee will be 5% of each transfer (minimum $5). But since this intro APR doesn’t extend to purchases, you should avoid making new charges to the card until any transferred balances have been paid in full.

What We Don’t Like

The Double Cash lacks many of the perks other cards offer, such as cellphone protection, and it only transfers to a few of Citi’s air and hotel partners. You’ll need another Citi card to open up access to the rest of Cit’s partners.

Who It’s Best For

The Citi Double Cash is tailored to those who want a simple rewards structure and flexible redemption options.

Not everyone wants to chase bonus categories or shuffle cards in their wallet, which makes the Citi Double Cash the perfect “set it and forget it” credit card. It’s one of the only cards around that not only earns 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off, but also offers a path to using that cash back in the form of more valuable travel points down the road when you’re ready to take the next step.

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)

The Fidelity® Rewards Visa Signature® Credit Card* is a fantastic option for people who want a straightforward way to earn cash back on all credit card spending and have or plan to open an account with Fidelity.

Why We Like It

Redeeming your rewards directly into your investment account is an easy way to boost your portfolio. The flexibility to add the rewards to tax-advantaged accounts such as a 529 college savings plan further sweetens the deal.

What We Don’t Like

You’ll need a Fidelity brokerage account to qualify for this card, so if you invest elsewhere you should consider alternatives.

Who It’s Best For

This card is best suited for Fidelity brokerage customers who want to grow their investment portfolios through redemptions to their accounts.

Up to 2X Reward Rate

Earn 2% cash back on eligible purchases with no categories, tiers or limits. Terms apply.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

19.24% - 34.99% Variable APR as of April 30, 2024

Credit Score

Good, Excellent(700 - 749)

The Synchrony Premier World Mastercard® keeps things uncomplicated with a flat 2% cash back that’s automatically applied as a statement credit for all eligible purchases.

Why We Like It

This is a low-frills card that offers 2% cash back. You don’t need to meet any special requirements or open other accounts to get the card.

What We Don’t Like

This card requires Good, Excellent credit to qualify. It also lacks an intro APR offer or welcome bonus.

Who It’s Best For

Consumers who want to earn cash-back rewards on autopilot will love how easy it is to use this card.