No credit card reward is more flexible than cash. That’s why cash back credit cards are the favorite type of card for most people. You might prefer a card that gives you a nice, generous flat rate on all of your purchases, as much as 2%, or you might prefer cards that give greater rewards for certain purchase categories:

2% Credit Cards – 2% Cash Back on Every Purchase:

  • Wells Fargo Active Cash Visa – 2% flat cash back on all purchases plus a $200 bonus opportunity for new cardholders.
  • FNBO Evergreen Visa – 2% flat cash back on all purchases plus a $200 bonus opportunity for new cardholders.
  • Citi Double Cash – 2% “flat” cash back, but note that you only get the full 2% once you’ve actually paid off your purchases. (You get 1% upon purchase and the other 1% when you pay off purchases.)
  • SoFi Credit Card – Earn 2% cash back on all purchases, but only if you initially deposit your cash back into a SoFi account. (You’ll need to open a SoFi banking/investing account if you don’t already have one.)
  • Fidelity Visa – Earn 2% cash back on all purchases, but cash back must initially be deposited into your Fidelity account. (You’ll need to open a Fidelity investing account if you don’t already have one.)
  • PayPal Cashback Mastercard – Earn 2% cash back on all purchases, but cash back must initially be deposited into your PayPal account. (You’ll need to open a PayPal account if you don’t already have one.)



Cash Back Cards with Enhanced Purchasing Categories:

  • Citi Custom Cash – Get 5% cash back in the category where you spend the most each billing cycle (on up to $500 in purchases in that category); 1% cash back elsewhere. No annual fee.
  • Capital One SavorOne Card – 3% cash back on dining, groceries, entertainment purchases, and most streaming services, 1% elsewhere. No annual fee.
  • Blue Cash Preferred from American Express – 6% cash back on groceries & streaming services, 3% on gas & transit, 1% elsewhere. No annual fee first year, $95 per year after that.
  • Blue Cash Everyday from American Express – 3% cash back on groceries, 2% on gas and at certain department stores, 1% elsewhere. No annual fee.
  • US Bank Altitude Go – 4% cash back on dining purchases, 2% on groceries, gas, and streaming services, and then 1% anywhere else. No annual fee.
  • Chase Freedom Unlimited – 3% cash back on dining purchases, 3% at drugstores, 5% at Chase’s own travel booking site, and 1.5% on all other purchases. No annual fee.
  • Chase Freedom Flex – Get 5% cash back on purchases in certain categories that change every calendar quarter. Also get 3% on dining, 3% at drugstores, 5% at Chase’s own travel booking site, and 1% elsewhere. No annual fee.
  • Navy Federal Credit Union More Rewards American Express Card – 3% cash back at grocery stores, restaurants, and gas stations, 1% elsewhere. No annual fee. Must qualify as member of the credit union.
  • Navy Federal Flagship Rewards – Earn 3% cash back on travel, 2% everywhere else. There is a $49 annual fee. Must qualify as member of the credit union.
  • US Bank Cash+ – Get 5% cash back in your choice of two purchasing categories from a list that US Bank provides, then 2% cash back on your choice of gas, groceries or dining. 1% back everywhere else. No annual fee.
  • Bank of America Customized Cash Rewards – Get 3% cash back in a purchasing category of your choice, 2% at grocery/wholesale stores, 1% elsewhere. No annual fee.
  • Discover it – Get 5% cash back on purchases in certain categories that change every calendar quarter. All other purchases earn 1%. No annual fee.
  • Verizon Visa – A strong cash-back card, but only if you’re a Verizon customer, because you’ll redeem your cash back toward Verizon bill payment or Verizon phone purchases. (But if you have to pay your Verizon bill anyway, it’s pretty much the same as cash.) Get 4% back at grocery stores, 4% at gas stations, 3% at restaurants/takeout, 2% on Verizon purchases, and 1% everywhere else.
  • Apple Card – If you use Apple Pay often (or are willing to), this card can be pretty great. You’ll get 2% on all of your Apple Pay purchases made with the card, and that increases to 3% on purchases of Apple products & services as well as 3% at a handful of retailers including Walgreens, Uber, Panera, Nike, Exxon and more. Note that purchases made with the physical Apple credit card (NOT Apple Pay) will earn 1%.
  • Venmo Credit Card – Get 3% cash back in the purchasing category where you spend the most each month (from possible categories such as grocery, dining, travel, etc.), 2% cash back where the you spend the second-most, and 1% everywhere else. Requires a Venmo account to apply; see site for limitations on yearly cash back in 3% and 2% categories.