10 Best Credit Cards That Earn 2% Back on All Purchases

Jodie Price

By Jodie Price | Updated November 10, 2025

Finding a credit card that earns a flat 2% cash back on every purchase makes it simple to get consistent value without tracking categories or rotating offers. These cards work well for everyday spending because the rewards add up steadily over time. This list showcases ten top options that offer easy earning potential and practical benefits.

  • Citi Double Cash® Card

    The Citi Double Cash® Card gives cardholders a simple way to earn consistent rewards on every purchase. It focuses on flat-rate cash back, making it reliable for everyday spending. Its structure is easy to understand, which appeals to people who want straightforward rewards. There are no rotating categories or special spending rules to track.

    Earning Structure:

    • 1% cash back when making purchases
    • 1% cash back when paying them off
    • Total of 2% cash back on all purchases

    Welcome Bonus:

    New cardholders can earn $200 cash back after spending $1,500 within the first six months, given as 20,000 ThankYou® Points.

    Card Details:

    • Annual fee: $0
    • APR: Variable, typically around 18.24%–28.24%
    • Other benefits: Fraud protection, digital wallet compatibility
    • Network: Mastercard
    • Type: Cash back credit card
    • Foreign transaction fees: 3%
    • Other details: Ability to convert rewards into Citi ThankYou® Points

    Key Benefits:

    • No annual fee to maintain the card
    • Simple flat 2% cash back structure
    • Rewards can be transferred into Citi ThankYou® Points
    • Works well for everyday purchases
    • Accepted worldwide as a Mastercard

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, checks, or converted into Citi ThankYou® Points for travel and gift cards.

    Credit Requirements:

    Applicants usually need good to excellent credit, often a score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The card charges a 3% foreign transaction fee, and it does not offer bonus categories or travel perks.

    Why it Works for Beginners:

    Its flat-rate rewards and no annual fee make it easy for beginners to manage without tracking complex categories.

  • Wells Fargo Active Cash® Card

    The Wells Fargo Active Cash® Card offers a simple way to earn rewards without tracking categories. It offers reliable value for daily expenses. This card is designed for people who want a flat cash back rate on all purchases. It avoids the need for rotating categories or special bonus areas.

    Earning Structure:

    • 2% cash rewards on all purchases

    Welcome Bonus:

    New cardholders can earn a $200 cash rewards bonus after spending $500 in purchases within the first three months.

    Card Details:

    • Annual fee: $0
    • APR: 19.24%, 24.24%, or 29.24% variable
    • Other benefits: Cell phone protection, Visa Signature perks
    • Network: Visa
    • Type: Cash back credit card
    • Foreign transaction fees: 3%
    • Balance transfer fee: 3% intro, then 5% after the intro period

    Key Benefits:

    • No annual fee to maintain the card
    • Flat 2% cash rewards on every purchase
    • Introductory APR for purchases and balance transfers
    • Cell phone protection when paying the bill with the card
    • Simple cash back structure with no categories

    Redemption Options:

    Cash rewards can be redeemed as statement credits, direct deposits, or withdrawals at Wells Fargo ATMs.

    Credit Requirements:

    Applicants typically need good to excellent credit, often around a 670+ FICO score.

    Spending Limitations / Potential Drawbacks:

    The card charges a 3% foreign transaction fee, which makes it less useful for international travel.

    Why it Works for Beginners:

    Its flat rewards rate and no annual fee make it easy for new cardholders to manage without worrying about complex reward structures.

  • Navy Federal cashRewards Credit Card

    The Navy Federal cashRewards Credit Card offers simple flat-rate cash back that works well for everyday spending. It is designed for members of the military community and their families.

    The card provides flexibility by offering either 1.5% cash back on all purchases or, for eligible members, 2% cash back through the cashRewards Plus version. This makes it a straightforward option for those who prefer consistent rewards.

    Earning Structure:

    • 1.5% cash back on all purchases
    • 2% cash back on all purchases with the cashRewards Plus version (if eligible)

    Welcome Bonus:

    New cardholders can qualify for a welcome bonus of $250 cash back after spending $2,500 in the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: 14.90%–18.00% variable
    • Other benefits: Access to Navy Federal member services
    • Network: Visa
    • Type: Cash back credit card
    • Foreign transaction fees: None

    Key Benefits:

    • No annual fee to maintain the card
    • Option to earn up to 2% cash back
    • Cash back on every purchase without rotating categories
    • No foreign transaction fees
    • Backed by Navy Federal’s member support

    Redemption Options:

    Cash back can be redeemed as a statement credit, direct deposit, or applied toward purchases.

    Credit Requirements:

    Applicants generally need average to excellent credit, with a FICO score of 580 or higher.

    Spending Limitations / Potential Drawbacks:

    The standard version earns only 1.5% cash back, so not all members will qualify for the higher 2% rate.

    Why it Works for Beginners:

    It offers flat-rate rewards, no annual fee, and simple redemption options, making it easy for new cardholders to manage.

  • SoFi Unlimited 2% Credit Card

    The SoFi Unlimited 2% Credit Card gives cardholders a simple way to earn flat-rate rewards. It avoids rotating categories and offers consistent value on all purchases.

    This card focuses on ease of use, making it appealing for those who want straightforward rewards. It also connects well with SoFi’s ecosystem, especially for members who already use SoFi accounts.

    Earning Structure:

    • 3% cash back on travel booked through SoFi Travel
    • 2% cash back on all purchases

    Welcome Bonus:

    The card does not currently advertise a welcome bonus.

    Card Details:

    • Annual fee: $0
    • APR: 19.24%–29.74% variable
    • Other benefits: Mastercard World Elite perks, cell phone protection, travel protection
    • Network: Mastercard
    • Type: Cash back credit card
    • Foreign transaction fees: None
    • Additional features: Integration with SoFi accounts for direct redemption

    Key Benefits:

    • No annual fee to maintain the card
    • Unlimited 2% cash back on everyday spending
    • Extra rewards on SoFi Travel bookings
    • No foreign transaction fees
    • Access to Mastercard World Elite benefits

    Redemption Options:

    Cash back can be redeemed into eligible SoFi accounts, such as checking, savings, or investment accounts.

    Credit Requirements:

    Applicants generally need good credit (FICO score of 670–739) to qualify.

    Spending Limitations / Potential Drawbacks:

    The card limits higher rewards to travel booked directly through SoFi, which may not suit those who prefer other travel platforms.

    Why it Works for Beginners:

    Its flat 2% cash back rate and no annual fee make it easy for beginners to use without tracking bonus categories.

  • PNC Cash Unlimited® Visa Signature® Credit Card

    The PNC Cash Unlimited® Visa Signature® Credit Card offers a flat-rate cash back structure that makes it simple to understand. It is designed for people who want steady rewards without tracking categories.

    This card works well for everyday purchases since rewards apply equally across all spending. It gives cardholders flexibility in how they earn and redeem their cash back.

    Earning Structure:

    • Unlimited 2% cash back on all purchases

    Welcome Bonus:

    New cardholders can earn a $250 bonus after spending $1,000 in the first three months of card membership.

    Card Details:

    • Annual fee: $0
    • APR: 19.24%–29.24% variable
    • Other benefits: Visa Signature perks such as travel and purchase protections
    • Network: Visa
    • Type: Cash back credit card
    • Foreign transaction fees: None
    • Issuer: PNC Bank

    Key Benefits:

    • No annual fee to maintain the card
    • Flat 2% cash back on all spending
    • Simple rewards program with no categories
    • Access to Visa Signature benefits
    • Cash back rewards do not expire

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, or other eligible options offered by PNC.

    Credit Requirements:

    Applicants generally need good to excellent credit, with a FICO score of 670 or higher, to qualify.

    Spending Limitations / Potential Drawbacks:

    The card does not offer bonus categories, which may limit value compared to some competitors.

    Why it Works for Beginners:

    Its flat 2% cash back rate and no annual fee make it easy for new cardholders to start earning rewards without extra effort.

  • Robinhood Gold Card

    The Robinhood Gold Card is designed for users who want simple, flat-rate rewards on everyday spending. It focuses on cash back earnings without requiring category tracking. This card also integrates with Robinhood’s platform, making it appealing to those who already use the company for investing. Its rewards program is straightforward and easy to understand.

    Earning Structure:

    • 5% cash back on travel booked through the Robinhood travel portal
    • 3% cash back on all other purchases

    Welcome Bonus:

    No welcome bonus is currently listed for this card.

    Card Details:

    • Annual fee: $0
    • APR: 29.99%–32.99% variable
    • Other benefits: Integration with Robinhood app and investing features
    • Network: Mastercard
    • Type: Cash back credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Flat 3% cash back on everyday purchases
    • Higher 5% rate on travel booked through Robinhood
    • No annual fee to keep the card
    • Works seamlessly with Robinhood accounts
    • No foreign transaction fees

    Redemption Options:

    Cash back can be redeemed through the Robinhood app, often as account credits or transfers.

    Credit Requirements:

    Applicants generally need good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The card’s highest rewards only apply to travel booked through Robinhood, which may limit flexibility.

    Why it Works for Beginners:

    Its flat-rate structure makes it easy for new cardholders to earn rewards without tracking categories.

  • U.S. Bank Smartly™ Visa Signature® Card

    The U.S. Bank Smartly™ Visa Signature® Card gives users a flat rate of rewards on everyday purchases. It is designed for people who want simple earnings without tracking rotating categories.

    This card earns a base 2% cash back on all purchases, and cardholders who keep qualifying U.S. Bank deposit balances can boost the rate to as high as 4% on up to $10,000 in purchases each billing cycle.

    Earning Structure:

    • Unlimited 2% cash back on every purchase
    • Up to an additional 2% cash back on the first $10,000 in eligible purchases

    Welcome Bonus:

    This card does not currently advertise a welcome bonus.

    Card Details:

    • Annual fee: $0
    • APR: 18.49%–28.74% variable
    • Other benefits: Visa Signature perks such as purchase protection and travel assistance
    • Network: Visa
    • Type: Cash back credit card
    • Foreign transaction fees: None
    • Other details: Higher earning potential tied to U.S. Bank relationship requirements

    Key Benefits:

    • Flat 2% earnings rate
    • Potential to boost rewards to 4%
    • No annual fee to carry the card
    • Works worldwide with Visa acceptance
    • Includes standard Visa Signature protections

    Redemption Options:

    Cash back can be redeemed as a statement credit, direct deposit, or toward eligible U.S. Bank accounts.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO score of 670–739) to qualify.

    Spending Limitations / Potential Drawbacks:

    Boosting rewards above 2% requires meeting balance and deposit conditions, which may not be ideal for all users.

    Why it Works for Beginners:

    The flat 2% rate makes it easy to earn rewards without tracking categories or juggling multiple cards.

  • TD Double Up Credit Card

    The TD Double Up Credit Card offers a simple way to earn steady rewards on every purchase. It focuses on flat-rate cash back, making it easy to understand without tracking bonus categories.

    Cardholders can earn rewards consistently whether they shop for groceries, travel, or everyday expenses. The card is designed for people who prefer straightforward earning without extra steps.

    Earning Structure:

    • 2% cash back on all eligible purchases

    Welcome Bonus:

    New cardholders can earn a $200 statement credit after spending $1,500 within the first three months of joining.

    Card Details:

    • Annual fee: $0
    • APR: 19.24%, 24.24%, or 29.24% variable
    • Other benefits: Simple flat-rate rewards, no rotating categories
    • Network: Mastercard
    • Type: Cash back credit card
    • Foreign transaction fees: 3%
    • Additional features: Works best when paired with a TD Bank account

    Key Benefits:

    • No annual fee to maintain the card
    • Flat 2% cash back on all purchases
    • Easy-to-understand earning structure
    • Option to combine rewards with a TD Bank account
    • Reliable card for everyday spending

    Redemption Options:

    Cash back can be redeemed as statement credits or deposited into an eligible TD Bank account.

    Credit Requirements:

    Applicants typically need good to excellent credit, with a FICO score of at least 670.

    Spending Limitations / Potential Drawbacks:

    The card does not include bonus categories or travel protection, which may limit its appeal for frequent travelers.

    Why it Works for Beginners:

    Its simple earning system and no annual fee make it easy for beginners to manage.

  • Fidelity® Rewards Visa Signature® Credit Card

    The Fidelity® Rewards Visa Signature® Credit Card gives cardholders a flat 2% cash back on every purchase. It provides a simple way to earn rewards without tracking categories.

    This card links directly with Fidelity accounts, making it easy to deposit rewards into eligible investment or savings accounts. It is designed for those who want consistent earnings and straightforward redemption.

    Earning Structure:

    • 2% cash back on all purchases when depositing into eligible Fidelity accounts

    Welcome Bonus:

    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $0
    • APR: 18.74% variable
    • Other benefits: Visa Signature perks such as travel and purchase protections
    • Network: Visa
    • Type: Cash back
    • Foreign transaction fees: None
    • Additional features: Direct deposit of rewards into Fidelity accounts

    Key Benefits:

    • No annual fee to maintain the card
    • Flat 2% cash back on every purchase
    • No foreign transaction fees
    • Easy integration with Fidelity investment accounts
    • Access to Visa Signature benefits

    Redemption Options:

    Cardholders can redeem rewards as cash deposits into Fidelity accounts, statement credits, or gift cards.

    Credit Requirements:

    Applicants generally need good to excellent credit, typically a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The card does not offer a welcome bonus or bonus categories, which may limit value for some users.

    Why it Works for Beginners:

    It offers a simple earning structure that makes it easy for beginners to understand and use effectively.

  • Bellco Blue Diamond Visa Signature® Credit Card

    The Bellco Blue Diamond Visa Signature® Credit Card is designed for people who want flat-rate rewards on every purchase. It keeps things simple by offering the same cash back rate no matter where the card is used.

    It also appeals to those who value low interest and balance transfer options. As a credit union card, it is available only to Bellco members.

    Earning Structure:

    • 2% cash back on all purchases

    Welcome Bonus:

    New cardholders can earn a $200 cash back bonus after spending $2,000 in the first three months of card opening.

    Card Details:

    • Annual fee: $0
    • APR: 15.75%–21.00% variable
    • Other benefits: Visa Signature perks such as travel and purchase protections
    • Network: Visa
    • Type: Credit union-issued credit card
    • Foreign transaction fees: 1%
    • Additional details: Requires Bellco membership to apply

    Key Benefits:

    • Flat 2% back on every purchase
    • No annual fee to maintain the card
    • Access to Visa Signature benefits
    • Balance transfer option with intro APR
    • Simple reward structure without bonus categories

    Redemption Options:

    Cash back can be redeemed as statement credits or deposits into eligible Bellco accounts.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO score of 670 or higher) to qualify.

    Spending Limitations / Potential Drawbacks:

    Membership in Bellco Credit Union is required, which limits availability for some applicants.

    Why it Works for Beginners:

    The flat 2% cash back rate makes it easy for new cardholders to earn rewards without tracking categories.

Frequently Asked Questions

What does a flat 2% cash back rate mean?

A flat 2% cash back rate means you earn the same amount of rewards on every purchase, no matter where you spend. It removes the need to track bonus categories or spending limits, making it simple to calculate earnings and get consistent value from each transaction.

How do cash back credit cards differ from points-based rewards cards?

Cash back cards provide direct value by returning a percentage of each purchase as money or statement credit. Points-based cards earn points that can vary in value depending on how they are redeemed. Cash back cards are usually more predictable and easier to manage for everyday spending.

How do I qualify for a credit card that provides 2% cash back on all transactions?

Most 2% cash back cards require good to excellent credit. Applicants usually need a credit score in the mid-600s or higher to have a strong chance of approval. Lenders also consider income, debt levels, and overall credit history.

What benefits come with high-rate cash back credit cards aside from the 2% return?

Some cards include purchase protection, extended warranty coverage, and zero liability for fraud. Others may offer cell phone protection or access to digital wallets. These benefits add value beyond the cash back rate.

Can I combine rewards from a 2% cash back card with other promotional offers?

Yes, cardholders can often stack their 2% rewards with store promotions or coupon discounts. Some issuers also provide limited-time offers that add extra value. Combining these can increase overall savings without affecting the base 2% return.