RedditAdvantages of Fixed-Rate Cash Back Credit Cards
Many cash back credit cards offer rewards based on specific spending categories, and some even feature rotating categories that change every quarter. On the other hand, flat-rate cash back credit cards, which offer a consistent cash back percentage on all purchases, provide simplicity and predictability without the need to monitor or activate specific categories. There are several cash back credit cards that offer a fixed rewards structure, providing a constant 2% cash back on all purchases.
Best All-Around 2% Cash Back Credit Cards
Citi Double Cash® Card
For those seeking straightforward cash rewards without an annual fee, Citi Double Cash Card issued by our partner Citibank stands out as a clear and beneficial choice. With a $200 cash bonus and a steady 2% cash back on all purchases, it offers simplicity and reliability. Additionally, the card provides 0% introductory APR on balance transfers for a generous 18-month period, presenting a valuable opportunity for managing and reducing existing credit card debt.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. - Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Intro APR
- 0% on Balance Transfers
- Intro APR Period
- 18 months
- Annual Fee (rates & fees)
- $0
- Credit Needed
- Excellent, Good, Fair
Other 2% Cash Back Credit Card
A few other cash back credit cards also give you 2% cash back rewards on all purchases. Here is a list of additional credit cards offering a flat 2% cash back rate:
| Credit Card | Bonus and Rewards | Annual Fee | |
|---|---|---|---|
 | Synchrony Premier World Mastercard® | $0 | |
 | TD Double Up℠ Credit Card | $0 | |
