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.

I tried to compile a list here with as many credit cards that offer at least 2% back in the form of points, miles or just plain cash. 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.

list 2% cash back credit cards

I hadn’t heard some of these names before and I’m sure there’s some more obscure cards out there. If you know of any, let me know in the comments. I’ll also try to keep the list up to date myself as new cards come up.

I just added the USAA 2.5% card, Amex Blue for Business and the Blispay card to the list, which I hadn’t updated in a while

Alliant Bank

American Express

Bank of America

  • Platinum Privilege Travel Rewards 2.1% Points (requires 100K with Merrill/BOA)


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


  • Compass NBA Card 5% Points (All Star Weekend and Finals only, up to $5k)


  • Blispay Visa Card – 2% cash automatic plus 6 month no interest on $199+ purchases

Capital One

  • Venture 2% Points
  • Spark 2% Business Cash
  • Spark 2% Business Miles


  • Double Cash


  • Escape 2% Points (no longer offered)
  • Miles 3% Points (one year)
  • It 2% Cash (one year)


  • Bucksback Visa 2% Cash (CO,IA,IL,KS,NE,SD,TX but all can apply, just use one of those states in the address along with the rest of your actual address)

FNBO Direct

  • Platinum 2% Cash (1 Year)

JCB Murakai

  • 3% Cash (CA, NV, OR, WA, or HI)

Kinecta Credit Union

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


  • 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% (Socorro, Taos, or Valencia County. 90 Days)



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



US Bank

  • Fidelity Rewards Visa Signature Card (when redeemed to Fidelity Account)


Zions Bank

  • AmaZing Cash 2% (90 Days)