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Not everything in life has to be complicated, especially when it comes to finance. While rewards credit cards that earn points or miles and offer rewards in different bonus categories can be lucrative, many people prefer the simplicity and consistency of flat-rate cash back cards.
Whether most of your purchases fall outside the typical credit card bonus categories or you’re tired of trying to remember which card rewards what, flat-rate credit cards are great for those who like to keep earning and redeeming rewards simple.
There are many flat-rate cards available at various credit levels, but the best cards offer 2 percent cash back instead of the typical 1.5 percent back. Some cards also have additional benefits, including travel perks and shopping protections.
Here are some of the best 2 percent cash back credit cards on the market.
Comparing the best 2 percent cash back cards
Card name | Best for | Cash back highlights | Welcome offer | Bankrate score |
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Wells Fargo Active Cash® Card | Overall |
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Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months | 4.3 |
Citi Double Cash® Card | Pairing |
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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. sentence: “The cat sat on the windowsill and watched the birds outside.”
The cat perched on the windowsill, observing the birds in the yard. following sentence using different words: Original: The cat jumped onto the windowsill and looked out at the birds in the tree. Rewritten: The feline leaped onto the ledge of the window and gazed at the birds perched on the branches. The cat is sleeping peacefully on the couch. following sentence: The cat was sleeping peacefully on the windowsill. The peaceful cat was sleeping on the windowsill. text in a different way: Please rephrase the text. following sentence using different words: “His extravagant lifestyle was the cause of his financial downfall.” The reason for his financial ruin was his lavish way of living. sentence: Please don’t forget to bring your textbook to class tomorrow.
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