Best 2% and 3% Cash Back Credit Cards

When choosing a cash back or rewards card, it is important to choose a card that offers maximum regular rewards rate that applies to all purchases, or at least to the majority of your spending categories.

Flat Rate 2% Cash Back Cards

Here’s a short list of flat rate 2% cash back cards available today:

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR13.99% (V)
intro BT APR 0% for 12 months 3% BT fee min $10
rewards 2% per dollar 
  • get 2% on all purchases 
  • need to have Fidelity account - free, no minimum, no maintenance fee

no annual fee

2% flat rate cash back

need open Fidelity account (free)

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at issuer’s secured site
good credit
intro purchase APR 0% for 15 monthsregular APR12.99 - 22.99% (V)
intro BT APR 0% for 15 months 3% BT fee $5 min
rewards 1% +1% for paying off balance
  • earn 1% cash back on all purchases
  • get 1% more when you pay of your purchases in full on time

no annual fee

1% cash back with no limitations

plus 1% more when you pay off balance in full

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Citi Double cash – it offers up to 2% on all purchases if you repay your balance in full each month. You get 1% cash back when you spend, and 1% after you pay your balance in full. Good incentive not to overspend. Our kudos go to Citi.

Fidelity AmEx card – the card is a co-branded card by American Express and Fidelity. You need to have an active Fidelity account to enjoy the cards 2% flat rate cash back on everything. The good thing is that the account is free to open.

Cards with 2-3% Cah Back on Selected Categories

Cards with 2% to 3% on selected categories:

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at issuer’s secured site
good credit
intro purchase APR 0% for 15 monthsregular APR12.99 - 21.99% (V)
intro BT APR 0% for 15 months 3% BT fee $5 min
rewards 1% 3% 6% per $1 +$250 bonus
  • earn 6% back at US supermarkets (limited by $1000 spending annually, then 1%)
  • 3% on gas and in selected department stores
  • 1% back on all other purchases
  • $250 sign up bonus after spending $1000 in purchases in the first 3 months

 

$75 annual fee

up to 3-6% cash back

$250 intro bonus

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at issuer’s secured site
fair credit
intro purchase APR 0% for 12 monthsregular APR11.24 - 23.24% (V)
intro BT APR 0% for 12 months 3% BT fee
rewards 1% or 2% 
  • earn 2% cashback on gas and restaurants with $1,000 quarterly limit in combined purchases
  • 1% on all other purchases

no annual fee

2% on gas and dining out

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at issuer’s secured site
fair credit
intro purchase APR 0% for 7 monthsregular APR15.49% (V)
intro BT APR 15.49% 3% BT fee $5 min
rewards 4x on gas, 3x on dining and travel, 2x on Costco, 1% everywhere

no annual fee with Costco membership ($55 minimum)

4% on gas, 3% on dining and travel, 2% on Costco purchases, 1% on all purchases

0% APR for 7 months 

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at issuer’s secured site
fair credit
intro purchase APR no intro offerregular APR14.24 - 22.24% (V)
intro BT APR no intro offer 14.24-22.24%
rewards 1% 2% 3% on every $1 +$30 off at Amazon
  • earn 3% back on Amazon purchases
  • 2% on gas, dining out and drugstores
  • 1% on everything else
  • get $30 on your Amazon account upon cards approval

no annual fee

3% back on Amazon

2% back on gas, dining and drugstores

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Costco Anywhere offers 4% on gas, 3% on dining out, and travel, 2% at Costco,.

American Express Blue Cash – 3% on supermarkets in the US, gas, and department stores.

Discover it – 2% on gas and restaurants with a $1,000 quarterly limit on combined purchases.

Amazon rewards card – 3% on Amazon, 2% on gas, restaurants, and drugstore purchases.

 


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