The 9 Best 2% Cash-Back Credit Cards [2024]

Cash-back is the easiest type of credit card reward to understand. That’s why many consumers and business owners gravitate toward cash rewards. They immediately grasp the concept and like the idea of getting cash-back rewards.

Historically, cash-back rewards credit cards have been relatively mediocre — the average card would boast 1% cash-back. However, competition in this space has grown significantly in recent years. Today, there are numerous 2% cash-back credit cards worth discussing.

Let’s take a look at your best options for 2% cash-back or cash rewards credit cards.

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The Best 2% Cash-back Credit Cards

• Citi Double Cash^® Card — Best for 2% Cash-Back as Transferrable Rewards
• Synchrony Premier World Mastercard^® — Best for 2% Cash-Back on All Purchases
• Wells Fargo Active Cash^® Card — Best for 2% Cash Rewards With a 0% Introductory APR
• Apple Card — Best for 2% Cash-Back With Apple Pay
• Robinhood Gold Card — Best for 3% Cash-Back
• SoFi Unlimited 2% Credit Card — Best for 3% Cash-Back With Direct Deposit
• Fidelity^® Rewards Visa Signature^® Card — Best for 2% Cash-Back With Direct Deposit
• Capital One Spark Cash Plus Card*×Information collected independently. Not reviewed by Capital One. — Best for 2% Cash-Back With No Preset Spending Limit
• The American Express Blue Business Cash™ Card — Best for 2% Cash-Back With a 0% Introductory APR

Best 2% Cash-Back Credit Cards — Comparison Table (2024)

Why Is 2% Cash-Back the Highest You Can Realistically Get?

Payment processing companies, including Mastercard, Visa, Discover, and American Express, charge a percentage of every transaction to process payments. This is known as an interchange fee — each company has unique structures. Visa and Mastercard generally have the lowest interchange fees, which is why they enjoy the best credit card acceptance worldwide.

Even though different types of Visa credit cards have different interchange fees, a credit card issuer such as Chase will probably try to avoid losing money on interchange fees. Although a bank wants to incentivize you to use credit cards as much as possible, they cannot do so unprofitably. They can offer you a maximum ceiling of rewards for every dollar you swipe.

Banks earn money through various means, such as interest and late fees, but the highest flat-rate cash-back percentage we’ll likely see on a credit card offer is 2%.

Many cards offer cash-back or cash rewards with higher bonus categories, hoops to jump through, or exclusions. Still, you can generally expect the highest cash-back percentage for all purchases (with no maximums or major exclusions) to hover around 2%.

See our top picks for the best 2% cash-back or cash rewards credit cards, starting with personal cards.

Best 2% Cash-Back Personal Cards

The competition for a 2% cash-back or cash rewards personal credit card is fierce, but there are a few clear winners in combining simplicity with rewards.

Citi Double Cash Card (Best for 2% Cash-Back as Transferrable Rewards)

Citi Double Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

Card Highlights

• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This 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.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.49% to 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).
• Citi Double Cash^® Card Travel Portal Special Offer
  Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.

Financial Snapshot

• APR: 0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

The most obvious winner in the 2% cash-back segment for personal credit cards is the Citi Double Cash card.

This fantastic product earns 2% cash-back on all purchases: 1x ThankYou Point when you buy and 1x ThankYou Point when you pay. These ThankYou Points can be redeemed for cash-back at a ratio of 1 point to 1 cent.

We absolutely love this card because it has no caps or category restrictions. All of your rewards can be redeemed as statement credits, direct deposits, or checks.

Additionally, if you have a qualifying ThankYou Rewards card, such as the Citi Strata Premier℠ Card, you can transfer your points to Citi’s travel partners and increase the value of your rewards by redeeming them for luxury travel!

Although this credit card doesn’t usually offer a welcome bonus offer, it has a 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 18.49% to 28.49%. This benefit can be handy if you’d like to consolidate high-rate balances on any of your other personal credit cards.

This card provides access to Citi Entertainment, zero fraud liability, and 24/7 customer service. Authorized users do not pay additional fees.

The Citi Double Cash card has a $0 annual fee.

Why We Like Earning Citi ThankYou Rewards Points

We’ve mentioned that the Citi Double Cash card is marketed as a cash-back card, but it actually earns ThankYou Rewards Points. The card can transfer points to JetBlue TrueBlue, Choice Privileges, and Wyndham Rewards at reduced ratios. With a premium ThankYou Rewards card, you can easily access Citi’s airline and hotel partners at the best ratios.

You can redeem ThankYou points to book amazing flights like Singapore Airlines business class!

Transferring your points to travel partners will give you incredible value, but you can also redeem them for cash-back, charity, merchandise, gift cards, and more, albeit at a lower value.

Synchrony Premier World Card (Best for 2% Cash-Back on All Purchases)

Synchrony Premier World Mastercard^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Synchrony Premier World Mastercard^®

Welcome Offer

None

Annual Fee

$0

APR

19.24%, 25.24%, or 32.24% variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Card Highlights

• 2% cash back* on every purchase–no categories, tiers, or limits–no kidding.
• No annual fee*
• $0 fraud liability
• Secure online and mobile app account access
• Use your Synchrony Premier card on everything from gas and groceries to your next splurge with the confidence that comes from getting great rewards without complex math or shifting reward limits.
• Plus, you’ll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.

Financial Snapshot

• APR: 19.24%, 25.24%, or 32.24% variable
• Foreign Transaction Fees: 3%

The Synchrony Premier World card offers simple 2% cash-back rewards, but it’s surprisingly one of the least-known products out there.

On every statement, you earn 2% cash-back on all purchases, with no caps. The rewards are applied as statement credits automatically.

This card rarely has a welcome bonus offer, but it does offer a few nice perks:

• Identity theft protection
• Money-saving discounts
• Concierge travel planning support

Wells Fargo Active Cash Card (Best for 2% Cash Rewards With a 0% Introductory APR)

Wells Fargo Active Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wells Fargo Active Cash card earns 2% cash rewards on purchases with no annual fee.

Wells Fargo Active Cash^® Card

The Wells Fargo Active Cash card earns 2% cash rewards on purchases with no annual fee.

Welcome Offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

$200 cash rewards bonus

Annual Fee

$0

APR

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Pros & Cons

Pros

• Earn unlimited 2% cash rewards on purchases
• No annual fee
• 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter (rates & fees)

Cons

• No bonus categories for those who want to optimize certain purchases

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don’t expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Financial Snapshot

• APR: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter.
• Foreign Transaction Fees: 3% of each transaction converted to U.S. dollars.

Wells Fargo is an enormous banking giant. One of its most attractive credit cards is the Wells Fargo Active Cash card, which has benefits worth mentioning.

This is one of the few 2% cash rewards cards consistently offering a welcome bonus offer. Additionally, you get a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter (rates and fees). 

Beyond that, expect to earn 2% cash rewards on all eligible purchases. You can redeem your rewards for purchases, a Wells Fargo direct deposit, at a Wells Fargo ATM, for gift cards, or through PayPal.

This card offers cell phone protection, which allows for up to 2 paid claims every 12 months, each with a maximum benefit limit of $600 and a $25 deductible.

This Visa Signature card comes with 24/7 concierge services, access to the Visa Signature Hotel collection, and much more.

There is $0 annual fee on this card (rates and fees). There are no fees for authorized users (rates and fees).

Apple Card (Best for 2% Cash-Back With Apple Pay)

Apple Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Apple Card is a great card option for those who are a fan of Apple products and Apple Pay.

Apple Card

The Apple Card is a great card option for those who are a fan of Apple products and Apple Pay.

Welcome Offer

No welcome offer available.

No offer available

Annual Fee

$0

APR

19.24% to 29.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The information regarding the Apple Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

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The largest company in the world now offers customers its own credit card, the Apple Card. Apple has long been adored by tech enthusiasts and consumers alike thanks to its sleek and innovative products. Now, those who can’t get enough of its products can earn rewards when they shop with Apple, or use Apple Pay, thanks to the Apple Card.

But is the card only suitable for the most ardent of Apple supporters? Or is it a card others should consider adding to their wallet as well?

Pros & Cons

Pros

• 3% back* on Apple Pay purchases made directly with Apple
• 3% back* on Apple Pay purchases made with partners (Uber/Uber Eats, Nike, Panera, T-Mobile, Ace Hardware, Walgreens, and Exxon and Mobil gas stations)
• 2% back* on all other purchases made via Apple Pay
• 1% back* on all purchases made with your physical Apple card
• No annual fee, foreign transaction fees, or late fees
• Interest-fee payments for iPhone, Mac, iPad, and more
• Flexible redemption offers

* For this program, rewards come in the form of Apple Cash, not true cash-back.

Cons

• Not particularly rewarding on purchases where you cannot use Apple Pay
• You need an Apple device in order to use Apple Pay, so it is not a good fit for those outside of the Apple ecosystem

Read Full Review

Card Highlights

• 3% cash back on Apple purchases
• 3% cash back on Panera Bread, Exxon/Mobil, Walgreens, Nike, Ace Hardware, and Uber and Uber Eats purchases when you use Apple Pay
• 3% cash back when using Apple Pay at T-Mobile stores
• 2% cash back on all other Apple Pay purchases
• 1% cash back on your other purchases with the physical card

Financial Snapshot

• APR: 19.24% to 29.49% Variable
• Foreign Transaction Fees: $0

The Apple card is worthwhile for those who are fans of Apple products and often use Apple Pay as a payment method.

With the Apple card, you earn 3% cash-back on Apple purchases, 3% back with select partners such as Panera Bread, ExxonMobil, Walgreens, Nike, Ace Hardware, and Uber and Uber Eats purchases when you use Apple Pay, and 2% back on all other purchases when you use Apple Pay.

As long as Apple Pay is a payment option, you earn at least 2% cash-back on all purchases.

Additionally, the card offers perks such as $0 annual fee, foreign transaction fees, or late fees. The Apple card also offers interest-free financing on new Apple products.

Robinhood Gold Card (Best for 3% Cash-Back)

Robinhood, the popular investment platform, made news when it announced the launch of its own credit card, the Robinhood Gold card.

With it, you earn 5% cash-back on travel purchased through the Robinhood travel portal and an uncapped 3% cash-back on all other purchases. This is a top-notch rate, as most cards top out at 2% cash-back on all purchases.

That said, while it’s advertised as a no-annual-fee card, it requires a Robinhood Gold membership, which costs $5 per month.

Further, the Robinhood Gold card includes benefits such as no foreign transaction fees, trip interruption protection, rental car insurance coverage, purchase security, and return protection.

Lastly, the Robinhood Gold card weighs 17 grams and is made of stainless steel for those who care about form factor.

SoFi Card (Best for 2% Cash-Back With Cell Phone Protection)

SoFi Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn 2% unlimited cash-back when you redeem it to save, invest, or pay down an eligible SoFi loan --- all without an annual fee.

Apply Now(at SoFi's secure site)

SoFi Credit Card

Earn 2% unlimited cash-back when you redeem it to save, invest, or pay down an eligible SoFi loan --- all without an annual fee.

Annual Fee

$0

APR

20.24% to 29.99% Variable

Why We Like This Card

The information regarding the SoFi card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

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SoFi has quickly become one of the most popular fintech companies. It offers a combination of investing, saving, and loan refinancing on 1 platform.

The company offers a credit card that rewards you with 2% back on all purchases, helping you get even more out of your SoFi account.

Pros & Cons

Pros

• 2% cash-back on all purchases
• 3% cash-back when you purchase travel through SoFi Travel
• $0 annual fee

Cons

• Only useful if you already use the SoFi platform
• Does not offer bonus categories for those looking to optimize their spending on certain purchases

Read Full Review

Card Highlights

• Earn unlimited 2% cash back rewards on all purchases and redeem as statement credit—or toward saving, investing, and paying down eligible SoFi debt*
• Earn 3% cash back rewards on trips booked through SoFi Travel*
• No annual fee†
• No foreign transaction fees
• Cell phone protection (insurance coverage up to $1,000)**
• Mastercard ID Theft Protection™**
• $5 Lyft credit when you take 3 rides per month**
• * See offer details: www.sofi.com/card/rewards
• † See terms and conditions: www.sofi.com/card/terms
• ** Cell Phone Insurance Protection, Mastercard ID Theft Protection(TM), Lyft and Other Partner Rewards have additional terms and conditions, which can all be accessed through the World Elite Mastercard^® Benefits portal. Please see the guide to benefits for details or call 1-800-MASTERCARD.

Financial Snapshot

• APR: 20.24% to 29.99% Variable
• Foreign Transaction Fees: $0

A newer entrant to the cash-back credit card realm is SoFi, one of the most popular fintech companies in the U.S.

With its platform, you can access investments, savings, loan refinancing, debt consolidation, and more.

The SoFi card boasts 2% cash-back on all purchases, and 3% cash-back on purchases made through SoFi travel.

Achieving 2% is pretty easy: Redeem your rewards within the SoFi ecosystem, such as buying stocks or paying down your SoFi student loan to get the 2% cash-back value.

The card also comes with a handful of great benefits like $0 annual fee, cell phone protection, a $10 Lyft credit when you take 5 rides per month, and no foreign transaction fees.

Fidelity Rewards Card (Best for 2% Cash-Back With Direct Deposit)

The last personal card we’ll discuss is the Fidelity Rewards card. Fidelity is one of the world’s largest financial services firms, famous for its retirement accounts and brokerage services.

There’s a good chance that Fidelity manages your 401(k) or other retirement accounts.

This card earns an unlimited 2% cash-back on all purchases when you direct deposit your rewards into an eligible Fidelity account — this is in the form of 2 points per dollar.

Your rewards are unlimited, and you can deposit them into up to 5 eligible Fidelity accounts.

Also, this card has no preset spending limit, Visa Signature privileges, travel insurance, purchase security, zero fraud liability, and no additional fees for authorized users.

There’s also no annual fee.

Bottom Line:

The best 2% cash-back or cash rewards personal credit cards with no hoops to jump through are the Citi Double Cash card, Synchrony Premier World card, and Wells Fargo Active Cash card. Other options that have requirements include the SoFi card and Fidelity Rewards card.

Best 2% Cash-Back Business Cards

There’s not as much competition in the business credit card space for 2% cash-back products, but let’s go through our top picks!

Capital One Spark Cash Plus Card (Best for 2% Cash-Back With No Preset Spending Limit)

Terms Apply / Rates & Fees

Capital One Spark Cash Plus Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.

Capital One Spark Cash Plus Card

The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.

Welcome Offer

$2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.

Up to $4,000+

Annual Fee

$150

APR

N/A

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and no-additional-fee employee cards, there is something that every business owner will love (rates & fees).

Pros & Cons

Pros

• Unlimited 2% cash-back on all purchases
• 5% cash-back on hotels and rental cars purchased through Capital One Travel
• No preset spending limit

Cons

• $150 annual fee (rates & fees)

Read Full Review

Card Highlights

• Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
• Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
• Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• $150 annual fee – Spend $150,000 annually and Capital One will refund this fee every year
• Spark Cash Plus has no APR because your balance is due in full every month
• For businesses that need large spending capacity and want to maximize cash back

Financial Snapshot

• APR: N/A
• Foreign Transaction Fees: None

Without a doubt, the best 2% cash-back business credit card is the Capital One Spark Cash Plus card.

It boasts an impressive welcome bonus, plus the ability to earn an unlimited 2% cash-back on all business purchases with no limits or category restrictions.

What we really love about this card is that it’s a charge card with no preset spending limit, so you can spend a lot more than you would with a traditional credit card.

Even better, get your $150 annual fee refunded every year you spend at least $150,000!

Employee cards come at no additional cost, rewards don’t expire as long as the account is open, and you can seamlessly redeem cash-back for any amount.

There’s also zero fraud liability, the ability to create virtual card numbers, get roadside assistance, no foreign transaction fees, and unlock extended warranty coverage.

Why We Like Earning Capital One Miles

A little-known fact about this card is that your 2% cash-back can be converted to 2x Capital One Miles if you have a card that earns Capital One Miles, such as the Capital One Venture X Rewards Credit Card*×Information collected independently. Not reviewed by Capital One., Capital One Venture Rewards Credit Card*×Information collected independently. Not reviewed by Capital One., or Capital One Spark Miles for Business*×Information collected independently. Not reviewed by Capital One..

According to our valuations, this can catapult your return on spending from 2% to a whopping 3.6%!

The best way to get outsized value with your Capital One miles is to transfer them to its travel partners and book award travel!

Amex Blue Business Cash Card (Best for 2% Cash-Back With a 0% Introductory APR)

Terms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Apply Now(at Amex's secure site)

The American Express Blue Business Cash™ Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Welcome Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

$250

Annual Fee

No annual fee

APR

17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros & Cons

Pros

• 2% cash-back on up to $50,000 in spend, then 1% back thereafter
• No annual fee
• Travel and purchase protection

Cons

• Not ideal for those who spend a lot on a specific category like groceries or gas

Read Full Review

Card Highlights

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply

Financial Snapshot

• APR: 17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Business Cash card is the other major business credit card offering 2% cash-back.

While it offers 2% cash-back, automatically credited to your statement, it’s capped at $50,000 per calendar year. After that, you get 1% cash-back.

The good news is that it comes with solid benefits such as a great welcome bonus offer, no-cost employee cards (rates and fees), and access to Expanded Buying Power. It also comes with 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% (rates and fees).

Final Thoughts

Getting 2% cash-back on a credit card makes a big difference in the long run, especially if your go-to credit card rewards strategy revolves around cash-back.

While there are many cash-back rewards credit cards out there with more than 2% cash-back rewards, these are usually restricted to specific bonus categories.

Having a 2% cash-back or cash rewards card is simple. With these cards, you can generally be assured of always getting 2% cash-back.

Now you know all of the best 2% cash-back credit cards, personal or business!

The information regarding the Fidelity^® Rewards Visa Signature^® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.