Every year, the credit card market becomes flooded with more cards offering at least 2% cash back on all your purchases. Some keep it simple and offer a flat cash back rate on all purchases, while others will also offer special categories offering a higher cash back rate.
Choosing the cash back cards best suited to your lifestyle and spending habits can prove challenging. With many cards, the higher rate “bonus” categories are rotated each month or each quarter. You need to keep track of the rotations and even plan certain larger purchases to make the most of your rewards.
Given all the details, sometimes carrying multiple cards with static bonus categories is the best way cover all your bases.
There are other factors to consider when choosing a cash back card that earns at least 2%. You will want to consider fees, interest rates, additional perks and benefits and whether the card’s rewards program is easy to use. Below, our editors evaluated these and other factors to compile a list of the best 2% cashback credit cards.
Best overall card for 2% cash back rewards
Citi is a CardRatings advertiser
Best for gas purchases
American Express is a CardRatings advertiser