The Best 2% Cash-back Credit Cards Of 2023

Credit Cards1 year ago
Person paying with a credit card

There are a lot of excellent cash-back credit cards out there, but which ones are the best? We've compiled a list of our favorite 2% cash-back cards to help you make the most of your spending.

Whether you're looking to save on everyday expenses or are a savvy shopper always on the hunt for a good deal, these cards will help you get the most bang for your buck. So take a look and see which one is right for you!

Discover It Cashback

Best for Cash Back

Intro offer

Unlimited Cashback match

Annual Fee


Recommended Credit


Unlimited Cashback match

Discover It Cashback.png

If you're looking for a new credit card, you should get one that offers cash back on your purchases.

Cash-back rewards are a great way to get more out of your purchases if you're in the market for a new credit card. Many introductory offers include cash-back rewards at 0% APR, so it's worth checking them out.

If you're looking for something more long-term that lasts beyond the lifetime of the intro offer, cash-back credit cards are a great option too.

Cash-back rewards can range from 1-5% depending on the card and can be used for everything from gas to groceries to online purchases.

Picking the best cash-back credit card for you depends on what type of purchases you make most often—that way, your cash-back will stack up quickly!


The best 2% Cash Back credit cards

Figuring out which cash-back card is best for you can be a difficult task. It's crucial to weigh the differences and the rewards that come with them.

Citi Double Cash seemingly offers the highest amount of return at 2% on all purchases, but some other cards like Wells Fargo Active Cash offers 3% cash back on select categories and American Express Blue Business Plus has no annual fee, making it an excellent choice for those looking for an affordable option.

Each card has unique perks, so take the time to decide which one best fits your lifestyle and spending habits.


Overview of the best 2% Cash Back cards

Citi Double Cash


  • No annual fee.
  • 0% intro APR on balance transfers
  • 2% cash-back
  • High rewards rate


  • No bonus categories
  • No other bonus offers


Wells Fargo Active Cash


  • $200 Welcome bonus
  • No annual fee
  • 2% Cash-back
  • 0% Intro APR on purchases and balance transfer


  • Foreign transaction fee
  • American Express Blue Business Cash


  • $250 Statement credit after $3k minimum purchases
  • 2% Cash-back on all purchases up to $50k
  • 0% intro APR


  • 2% Cash-back is capped at $50k per calendar year.
  • No bonus categories
  • No balance transfer offers



With a 2% cash-back card, you'll earn two points for every dollar you spend.

American Express has a great cash-back card that rewards you for your spending. You earn two points for every dollar spent, which can be used to redeem rewards like gift cards or travel vouchers.

Citi Double Cash Card backs your purchases too, but with a 2% cash back option – 1% when you buy and 1% when you pay your balance.

With Wells Fargo, you can get 3% cash back on food and grocery-related purchases, perfect for small businesses who want to save money while making their weekly shop.

American Express offers flexibility with its cash-back card, meaning you can control how you want to use the points earned to fit your budget and lifestyle needs.

Remember, these points can often be stacked with other cash-back plugins and services for even greater rewards. With a little effort, you can use your points to get maximum value from all aspects of your spending at home and abroad!

A 2% cash-back card is a great way to get rewarded for the purchases you're already making. Whether used for extra spending money or planning a dream vacation, you'll be capitalizing on your spending habits in no time!

Consider adding a cash-back credit card to your wallet so that every purchase gets you one step closer to your financial goals.

Even if you only get 1-2% cash back on your purchases, it's still worth it in the long run! When choosing a credit card and raking in rewards, go with the option that best fits your lifestyle and offers maximum benefit.

Credit Card and Cash in a back pocket