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:

Fidelity AmEx

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intro purchase APR no intro offer	regular 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

excellent required

no annual fee

2% flat rate cash back

need to open Fidelity account (free)

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Citi Double Cash

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intro purchase APR no intro offer	regular APR13.49 - 23.49% (V)
intro BT APR 0% for 18 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

good credit required

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:

Blue Cash Preferred AmEx

(24 reviews)

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intro purchase APR 0% for 12 months	regular APR13.49 - 23.49% (V)
intro BT APR 0% for 12 months	3% BT fee $5 min
rewards 1% 3% 6% per $1	+$150 bonus

• earn 6% back at US supermarkets (limited by $6000 spending annually, then 1%)
• 3% on gas and in selected department stores
• 1% back on all other purchases
• $150 sign up bonus after spending $1000 in purchases in the first 3 months

 

good credit required

$95 annual fee

up to 3-6% cash back

$150 intro bonus

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Discover it Chrome

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intro purchase APR 0% for 14 months	regular APR11.49 - 23.49% (V)
intro BT APR 0% for 14 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

good credit / fair credit required

no annual fee

2% on gas and dining out

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Costco Anywhere VISA

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intro purchase APR 0% for 7 months	regular APR15.74% (V)
intro BT APR 15.74%	3% BT fee $5 min
rewards 4% on gas, 3% on dining and travel, 2% at Costco, 1% everywhere

fair credit required

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 on purchases for 7 months 

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Amazon Rewards

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intro purchase APR no intro offer	regular APR14.74 - 22.74% (V)
intro BT APR no intro offer	14.24-22.24%
rewards 1% 2% 3% on every $1	+$50 off at Amazon

• earn 3% back on Amazon purchases
• 2% on gas, dining out and drugstores
• 1% on everything else
• get $50 on your Amazon account upon cards approval

fair credit required

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.