List of Credit Cards That Earn at Least 2% Cash Back or 2X in Rewards

by Donna Ryder

List Of 2%+ Credit Cards

Having a 2%+ credit card is probably a good idea for most people. We have our bonus category cards for lots of spending and then we’re usually working towards a minimum spend requirement. And then there’s times when you just need a 2% card. So I have complied a list of 2%+ credit cards here, for either miles, points or just plain cash back.

Some of these cards are for specific states or have some requirements in order to get the rate. I’ve listed them anyway, with a short explanation alongside the rate. I’ve also added links if I have covered the card in a post, but the offers listed in those links might not be available any longer.

Please let me know if you see any outdated information in the comments. I’ll do my best to keep the list current.

Alliant Bank

  • Cashback Visa Signature Credit Card (3% cash back in year one, 2.5% cash back after)

American Express

  • Blue Business Plus (Business card) – 2x on the first $50,000 annually
  • Blue Business Cash (Business card) – 2% on the first $50,000 annually
  • Blue for Business (Business card) – 2.3x on the first $50,000 for the first year (No longer available)

Bank of America

  • Platinum Privilege Travel Rewards: 2.1x Points (requires 100K with Merrill/BOA)
  • Premium Rewards: 1.5x to 2.62x (bases on your Preferred Rewards tier)

Barclays

  • Priceline 2% Cash (no longer offered)
  • Arrival Plus 2.1% Points (was 2.2, grandfathered for some)

Capital One

  • Capital One Venture X
  • Capital One Venture® Card
  • Spark Cash Plus
  • Spark Cash for Business (no longer available)
  • Spark® Miles for Business

Citibank

  • Double Cash: 2% Cash Back (1% Cash Back On Purchases + Earn 1% Cash Back As You Pay for Purchases)

Discover

  • Escape 2% Points (no longer offered)
  • Discover it® Miles 1.5x (At the end of your first year, get an unlimited match of all the Miles you’ve earned, automatically.)
  • Discover it® Cash Back 1% (Get an unlimited dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.)

Farmers Insurance

  • Crystal Visa®️ Credit Card: 3% Cashback for first year, unlimited 2.5% after that (Select areas in AZ, CA, CO, FL, ID, KS, OK, OR)

Fidelity

  • Fidelity Rewards Visa Signature Card: 2% Cashback (when redeemed to Fidelity Account)

FNBO

  • Evergreen Rewards Visa: 2% Cashback

HSBC

  • HSBC Cash Rewards Mastercard (3% back in the first year on, up to $10K spend, 1.5% after that)

JCB Murakai

  • 3% Cash (CA, NV, OR, WA, or HI)

Kinecta Credit Union

  • Platinum First 2% Points ($1000 max credit limit)

Orbitz

  • 2% Points

Nasa Credit Union

  • Platinum 2% Cash (after $2000, bonus paid at end of the year)

Navy Federal Credit Union

  • Flagship Rewards Visa: 2% Points

Hawaii State Federal Credit Union

  • Signature 2% Cash (Hawaii only, 60 days)

Nusenda Credit Union

  • Platinum Cash Rewards 2% Cashback (Socorro, Taos, or Valencia County. 90 Days)

PayPal

  • PayPal Cashback Mastercard 2% Cashback Everywhere

PCMCU

  • Platinum Rewards 5% Cash (Green Bay area, max $50 a month)

PenFed

  • Power Cash Rewards: 2% Cashback (with checking account)

PSECU

  • Alumni Rewards Card: 2% Cashback (with checking account and $500 DD)

SDFCU

  • Premium Cash Back+: 2% Cashback

SoFi

  • SoFi Credit Card: 2% Cashback

Synchrony

  • Synchrony Mastercard: 2% Cashback

TD Bank

  • Double Up Card: 2% Cashback with TD Account (Select States)

Tropical Financial Credit Union

  • TFCU Mastercard Elite 3x Reward (South Florida only)

Wells Fargo

  • Active Cash: 2% Cash Rewards

USAA

  • Limitless Cash Back Rewards 2.5%: (Targeted, USAA members only)

USAlliance Financial

  • USALLIANCE Visa Signature: 3X points on all purchases (will convert to 2X on 2/1/21)

Zions Bank

  • AmaZing Cash: 2% Cashback (90 Days)