Best 2% Cash Back Cards in 2024

The Wells Fargo Active Cash® Card is a straightforward and valuable choice for anyone seeking hassle-free rewards. With no annual fee and a generous welcome bonus, it offers consistent cash rewards on all purchases. The initial zero-interest period is an excellent advantage for purchases and balance transfers. While it might lack specialized bonus categories, the card makes up for this with perks like exclusive hotel benefits and cell phone protection. It's a solid, all-around performer in the credit card landscape.

• Earn a $200 cash rewards bonus after spending $500 on purchases within the first three months.
• Unlimited 2% cash rewards on all purchases.
• Enjoy a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening. After that, a variable APR of 20.24%, 25.24%, or 29.99% applies.
• Balance transfers made within 120 days qualify for the intro rate and a fee of 3%. After that, a balance transfer fee of up to 5% (minimum $5) applies.
• No annual fee
• No categories to track and cash rewards do not expire as long as your account remains open.
• Enjoy a premium collection of benefits at prestigious hotel properties with Visa Signature Concierge.
• Earn up to $600 in cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

The Citi Double Cash® offers unlimited 2% cash back on all purchases, making it ideal for those who want a simple, hassle-free way to earn rewards without worrying about categories or limits.

• Earn $200 cash back after spending $1,500 on purchases within the first six months of account opening. This bonus is awarded as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 2% on every purchase, with 1% cash back when you buy and an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
• 5% total cash back on hotels, car rentals, and attractions booked through the Citi Travel℠ portal until December 31, 2024.
• Enjoy 0% intro APR on balance transfers for 18 months. After that, a variable APR of 19.24% to 29.24% applies, based on your creditworthiness. Balance transfers do not earn cash back, and the intro APR does not apply to purchases. 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% (minimum $5) for each transfer completed within the first four months of account opening. After that, the fee is 5% (minimum $5) for each transfer.

The Bank of America® Customized Cash Rewards Credit Card stands out for its flexibility and reward potential, especially appealing to consumers who value customized cash back options. It offers a significant new cardholder bonus and the ability to earn higher cash back in various everyday categories. Preferred members enjoy additional rewards, enhancing the card's value. The card's introductory 0% APR is another great perk for those who want to consolidate existing credit card debt. Overall, this card is ideal for savvy spenders who can maximize the card’s benefits.

• Earn a $200 cash rewards bonus after spending $1,000 on purchases within the first 90 days of opening your account.
• 3% cash back in the category of your choice, up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• 2% cash back automatically at grocery stores and wholesale clubs, up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
• Earn unlimited 1% cash back on all other purchases.
• Bank of America Preferred Rewards® members can earn 25%–75% extra cash back on every purchase, potentially earning 3.75%–5.25% back in the chosen category.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• Enjoy a 0% introductory APR for 15 billing cycles on purchases and balance transfers made within the first 60 days. After that, a variable APR of 19.24%–29.24% applies. A fee of 3% for balance transfers within the first 60 days, then 4% thereafter.
• Regular APR ranges from 19.24% to 29.24% (variable) for both purchases and balance transfers.
• Use contactless cards for secure, convenient transactions with a simple tap.