Walmart purchases
Learn more
on our partner’s site

Best 2 Percent Cash Back Credit Cards 2023

Compare 2 percent cash back credit cards on Myfin.us.

Best Credit Cards for 2 Percent Cash Back in June 2023

Hide all
Show all

Capital One Walmart Rewards® Mastercard® best for Walmart purchases

Learn more
Capital One Walmart Rewards®
Annual fee:
$0
Regular APR:
17.99% - 29.49% Variable
Our Rating:
4.08
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 5% Cash Back at Walmart.com, including pickup and delivery.
    • 2% Cash Back in Walmart stores, at restaurants and on travel.
    • 1% Everywhere else Mastercard® is accepted.
  • Intro Offer:
    • 5% Cash Back in Walmart stores for the first 12 months after approval when you use your Card with Walmart Pay.
  • Balance Transfer APR:
    17.99% - 29.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Walmart Rewards® is a card for people who regularly shop at Walmart.

    The Card's APR: 17.99% – 29.49% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    The Walmart Rewards® Card earns 5% Cash Back on in-store purchases for the first 12 months when using Walmart Pay. The card offers 5% Cash Back at Walmart.com, including pickup & delivery; 2% Cash Back in Walmart stores, at restaurants and on travel; 1% Cash Back everywhere else Mastercard is accepted.

    The Walmart Rewards® Card charges no annual fee and no foreign transaction fee.

  • Pros:
    • No annual fee
    • No foreign transaction fee
  • Cons:
    • No 0% intro APR period
  • Benefits:
    • 5% Cash Back in Walmart stores (for the first 12 months);
    • 5% Cash Back at Walmart.com;
    • 2% Cash Back in Walmart stores, at restaurants and on travel;
    • 1% Cash Back on all other purchases;
    • $0 Fraud Liability;
    • Extended Warranty;
    • Concierge Services;
    • Mastercard ID Theft Protection™;
    • Travel Assistance Services;
    • MasterRental Coverage;
    • Lost or Damaged Luggage;
    • Trip Cancellation/Interruption Insurance.
View all Walmart Rewards® details
Learn more
on our partner’s site
Card detail

WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

Apply now
Petal® 2 “Cash Back, No Fees” Visa® WebBank
Annual fee:
$0
Regular APR:
17.74% - 31.74% Variable
Our Rating:
3.8
scorer
Credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Issuer name:
    WebBank
  • Details:

    The Petal 2 Card has no fees of any kind and is designed to help you build credit.

    The credit limit is from $300 - $10,000.

    Grow your credit score with responsible spending and on-time payments.

    Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

    Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

    Read full review

  • Pros:
    • No annual fee
    • No returned payment fee
    • No foreign transaction fee
    • You can apply even if you have no credit history
    • No late fees
  • Cons:
    • No signup bonus
    • Cash advances are not permitted
    • Those who filed for bankruptcy may be rejected
    • Balance transfers are not allowed
    • No intro APR offer
  • Benefits:
    • No foreign transaction fee;
    • Petal 2 reports to all 3 major credit bureaus;
    • Qualify with average credit.
View all Petal® 2 “Cash Back, No Fees” Visa® details
Apply now
On WebBank‘s site
Card detail

Chase World of Hyatt best for Hotel

World of Hyatt Chase
Annual fee:
$95 annually
Regular APR:
20.24% - 27.24% Variable
Our Rating:
3.05
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 9x Points for Hyatt stays.
    • 2x Points for dining out.
    • 2x Points for flights.
    • 2x Points for gym memberships.
    • 2x Points for getting around.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 30,000x Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.
    • 30,000x Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
    • 2x Points per $1 spent on purchases that earn 1 Bonus Point, up to $15,000 spent in the first 6 months of account opening.
  • Balance Transfer APR:
    20.24% - 27.24% Variable
  • Issuer name:
    Chase
  • Details:

    The World of Hyatt card offers a comprehensive rewards structure. The card has an annual fee of $95.

    Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. You'll also get 4x World of Hyatt points per dollar from the card and 5x points from your automatic Discoverist membership, for a total of 9x on eligible purchases at Hyatt.

    The card’s APR is a variable 20.24% - 27.24%.

    The World of Hyatt card offers additional benefits, like travel and purchase coverage, no foreign transaction fees.

  • Pros:
    • No foreign transaction fees
    • High-value rewards
    • Free night every anniversary year
    • Solid shopping and travel protections
    • Automatic elite status
  • Cons:
    • Annual Fee
    • Extra Fees
    • High regular APR
    • No intro APR offer
    • No worthwhile redemption options aside from Hyatt properties
  • Benefits:
    • Up to 60,000 Bonus Points;
    • A 10% bonus on points earned on eligible room rates and incidental charges;
    • Premium in-room internet;
    • 2pm late check-out upon request where available;
    • 5 qualifying night credits;
    • 2 additional qualifying night credits;
    • One free night each card anniversary year at a Category 1-4 Hyatt hotel or resort;
    • An additional free night at a Category 1-4 Hyatt hotel or resort after spending $15,000 in an anniversary year;
    • Automatic elite status;
    • Concierge Service;
    • Trip Cancellation/Trip Interruption Insurance;
    • Trip Delay Reimbursement;
    • Travel Accident Insurance;
    • Lost Luggage Reimbursement;
    • Baggage Delay Insurance;
    • Auto Rental Collision Damage Waiver.
Card detail
CitiBusiness® / AAdvantage® Platinum Citi
Annual fee:
$99 annually
Regular APR:
20.99% - 29.99% Variable
Our Rating:
2.92
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 2x Miles for every $1 spent on eligible American Airlines purchases.​
    • 2x Miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.​
    • 1x Mile for every $1 spent on other purchases.​
  • Intro Offer:
    • 65,000x Bonus miles after making $4,000 in purchases within the first 4 months of account opening.
  • Issuer name:
    Citi
  • Details:

    Discover the world with the CitiBusiness®/AAdvantage® Platinum Select® Mastercard®, one of Citi's best business credit cards for travel. The Card's annual fee is $99.

    Earn 65,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening.

    The Card’s variable APR is 20.99% to 29.99%.

    Earn an American Airlines Companion Certificatefor domestic main cabin travel after you spend $30,000 or more in purchases each cardmembership year and cardmembership is renewed. First checked bag freeon domestic itineraries to reduce travel costs and boost your bottom line.

    Expand your earning potential with authorized user cards for your employees and earn AAdvantage® miles for purchases made on each card.

    With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card.

  • Pros:
    • Attractive sign up bonus
    • Waived annual fee for the first 12 months
    • No foreign transaction fees
    • American Airlines flight perks
  • Cons:
    • Limited redemption choice
    • Has an annual fee
    • No introductory 0% APR
  • Benefits:
    • 2x miles in select Business Categories;
    • 2x miles on eligible American Airlines Purchases;
    • 1x miles on All Other Purchases;
    • 65,000 bonus miles;
    • Business;
    • First checked bag free;
    • Rewards Program;
    • 25% savings on American Airlines inflight Wi-Fi;
    • Earn an American Airlines Companion Certificate;
    • Personal Business Assistant;
    • Online Account Summaries;
    • Digital Wallets;
    • Autopay.
Card detail

Chase Ink Business Cash® best for No Annual Fee, Small business

Ink Business Cash® Chase
Annual fee:
$0
Regular APR:
17.49% - 23.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
    • 2% Cash Back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $900 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening.
  • Purchase Intro APR:
    0% Fixed Intro APR for the first 12 months that your Account is open
  • Balance Transfer APR:
    17.49% - 23.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Ink Business Unlimited Credit Card, issued by Chase, offers small-business owners easy Cash Back on their purchases with no annual fee.

    The 0% introductory APR for purchases lasts for 12 months, then APR reverts to the regular rate of 17.49% to 23.49% (Variable). The card's Penalty APR: up to 29.99%.

    The Ink Business Cash’s welcome offer of $900 bonus Сash Back when you spend $6,000 on purchases in the first three months.

    You’ll earn 5% Cash Back on the first $25,000 worth of office supplies, cable, internet, and phone service purchases each year as well as 2% Cash Back on the first $25,000 in purchases at restaurants and gas stations each year. All other purchases earn 1% Cash Back.

    Other useful benefits include purchase protection for up to 120 days and a 12-month extended warranty when you make an eligible purchase with your card. The extended warranty only applies to qualifying warranties of up to three years.

  • Pros:
    • No Annual Fee
    • Intro APR on new purchases
    • High rewards rates in certain categories
    • Sign-up bonus
  • Cons:
    • Foreign Transaction Fee
    • Spending caps in bonus categories
    • Low rewards rate outside bonus categories
  • Benefits:
    • $900 bonus Cash Back;
    • 5% Cash Back at office supply stores and on internet, cable and phone services;
    • 2% Cash Back at gas stations and restaurants;
    • 1% Cash Back on all other purchases;
    • Free employee cards;
    • Protection and insurance;
    • Gift Cards;
    • Apple® Ultimate Rewards Store;
    • Build your business credit;
    • Get insights into your business;
    • Manage your cash flow.

Card detail

Chase United℠ Explorer best for Honeymoon

United℠ Explorer Chase
Annual fee:
$0 for the first year
$95 thereafter
Regular APR:
20.74% - 27.74% Variable
Our Rating:
4.14
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles on United purchases, dining and hotel stays.
    • 1x Mile per $1 spent on all other purchases.
  • Intro Offer:
    • 60,000x Bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • Balance Transfer APR:
    20.74% - 27.74% Variable
  • Issuer name:
    Chase
  • Details:

    The United℠ Explorer Credit Card offers 60,000 miles when you spend $3,000 in the first three months.

    As a cardholder, you’ll earn 2x miles per dollar on United, dining and hotel spending and 1x mile per dollar on all other purchases.

    The United℠ Explorer Credit Card's APR is 20.74% to 27.74% (Variable), 29.99% (Penalty APR).

    The card has a $0 annual fee for the first year, $95 thereafter.

    Earn up to $100 as a statement credit for Global Entry or TSA PreCheck® every 4 years as reimbursement for the application fee for either program when charged to your card. Plus, earn 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Explorer Card.

    In addition to earning miles for purchases made with your card, you can earn miles by flying with United℠, United Express®, Star Alliance and other airline partners. You can also earn miles from Mileage Plus partners for hotel stays and car rentals, online shopping, eGift card purchases and by using the MileagePlus X app to pay at your favorite restaurants and retailers.

    The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free – calculated as up to a $35 value for the first checked bag, each way, per person – on United-operated flights when purchasing tickets with their United℠ Explorer Card.

    Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

    Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

  • Pros:
    • 2x miles rewards program
    • Sign up bonus
    • Free checked bag
    • Global Entry or TSA PreCheck credit
    • Two one-day club passes per year
  • Cons:
    • Annual fee
    • High APR
  • Benefits:
    • 2x miles on United Airlines purchases, dining, and hotel stays;
    • 1x mile on all other purchases;
    • 60,000 bonus miles;
    • Free first checked bag;
    • Priority boarding;
    • $100 Global Entry or TSA PreCheck® fee credit;
    • 2 United ClubSM one-time passes;
    • 25% back on United inflight purchases;
    • Premier upgrades on award tickets;
    • The Luxury Hotel & Resort Collection;
    • United MileagePlus® Cardmember Exclusives;
    • United Card Events;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Lost Luggage Reimbursement;
    • Trip Cancellation / Trip Interruption Insurance;
    • Trip Delay Reimbursement;
    • Extended Warranty Protection;
    • Premier qualifying points (PQP);
    • MileagePlus miles.
Card detail

American Express® Blue Business Cash™ best for Daily use

Blue Business Cash™ American Express
Annual fee:
$0
Regular APR:
18.24% - 26.24% Variable
Our Rating:
3.16
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • $250 Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Issuer name:
    American Express®
  • Details:

    The American Express Blue Business Cash™ Credit Card earns 2% Cash Back up to $50,000 per year, then 1%. Cash back earned is automatically credited to your statement. The card has no annual fee.

    Earn a $250 statement credit after you spend $3,000 in qualifying purchases on your Card within the first 3 months of Card Membership.

    The American Express Blue Business Cash™ Credit Card offers 0% intro purchase APR (for the first 12 months from the date of account opening) and 18.24% to 26.24% variable APR. The card's Penalty APR is 29.99%.

    Enjoy flexible buying power, when your business needs it. Expanded Buying Power gives you the freedom to spend beyond your credit limit and help get business done.

    Get the most out of your Business Credit Card by adding Employee Cards. Earn rewards on employee eligible purchases, plus track employee spending with alerts and summary reports.

  • Pros:
    • High rewards potential
    • Competitive APR
    • Welcome bonus
    • No annual fee
  • Cons:
    • High foreign fees
    • Cash back limits
    • Credit rating requirements
    • Balance transfers and cash advances are not available
  • Benefits:
    • 2% Cash Back on all eligible purchases (up to $50,000 per year, then 1%);
    • $250 statement credit;
    • Employee Cards;
    • Account Manager;
    • Expanded Buying Power;
    • Extended Warranty Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Terms Apply.
Card detail
Evolve℠ Sallie Mae Bank
Annual fee:
$0
Regular APR:
16.74% - 28.74% Variable
Our Rating:
4.87
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on your two highest-spending eligible categories per month.
    • 1.5% Cash Back on everything else.
  • Intro Offer:
    • $200 Earn a $200 cash back reward after you spend $1,000 in the first 3 months.
  • Purchase Intro APR:
    0% Introductory APR for 15 months from date of account opening
  • Balance Transfer APR:
    16.74% - 28.74% Variable
  • Issuer name:
    Sallie Mae Bank
  • Details:

    The Sallie Mae Evolve℠ card offers 2% Cash Back on your two highest-spending eligible categories per month and 1.5% Cash Back on all purchases. Plus, earn a $200 Cash Back reward after you spend $1,000 in the first 3 months.

    The card offers 0% purchase and balance transfer APR for 15 months, then 16.74% - 28.74% (Variable APR).

    The Sallie Mae Evolve℠ card has no annual fee.

  • Pros:
    • 0% Introductory APR for purchases and balance transfers
    • $0 Annual fee
    • Increased cash back in 2 categories
  • Cons:
    • Foreign Transaction Fees
    • High credit score requirements
  • Benefits:
    • $200 Cash Back reward;
    • 2% Cash Back;
    • 1.5% Cash Back on all purchases;
    • 25% on Сash Back rewards;
    • $0 liability;
    • Digital Wallets;
    • Cell Phone Protection.
Card detail

U.S. Bank Cash+® Visa Signature® Card best for Uber and Lyft

U.S. Bank Cash+™ Visa Signature®
Annual fee:
$0
Regular APR:
19.49% - 29.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
    • 5% Cash Back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
    • 2% Cash Back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants.
    • 1% Cash Back on all other eligible purchases.
  • Intro Offer:
    • $200 Bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 billing cycles
  • Balance Transfer APR:
    19.49% - 29.49% Variable
  • Issuer name:
    US bank
  • Details:

    The U.S. Bank Cash+® Visa Signature® Credit Card offers an introductory 0% APR on purchases and balance transfers for 15 billing cycles, followed by a variable APR of 19.49% to 29.49%. The Card doesn't charge an annual fee.

    The U.S. Bank Cash+® Visa Signature® Card earns 5% Cash Back on your first $2,000 in combined eligible purchases (each quarter on two categories you choose), 5% Cash Back on prepaid air, hotel and car reservations, 2% Cash Back on one everyday category and 1% Cash Back on all other eligible purchases. Earn even more cash back when making purchases at over 1,100 online stores through the Rewards Center Earn Mall.

  • Pros:
    • No annual fee
    • 0% intro APR
    • High rewards
    • U.S. Bank Cash+® sign-up bonus
  • Cons:
    • Requires high maintenance
    • A good to excellent credit score is required
    • High APR
    • U.S. Bank Cash+® foreign transaction fee
  • Benefits:
    • $200 bonus (after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening);
    • 5% Cash Back (on your first $2,000 in combined eligible purchases each quarter on two categories you choose);
    • 5% Cash Back on prepaid air, hotel and car reservations;
    • 2% Cash Back on one everyday category;
    • 1% Cash Back on all other purchases;
    • Flexible redemption.
Card detail

Citi Shell Fuel Rewards® Mastercard® best for Gas

Citi Shell Fuel Rewards® Mastercard®
Annual fee:
$0
Regular APR:
31.24% Variable
Our Rating:
2.67
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10% Shell rebates on your first $1,200 Shell non-fuel purchases per year.
    • 2% Shell rebates on your first $10,000 Dining and Grocery purchases per year.
    • 1% Earn 1% Shell rebates on other qualifying purchases.
  • Intro Offer:
    • 26.3% Save 30¢/gal (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2023. After that, save 10¢/gal every time you fill up.
  • Issuer name:
    Citi
  • Details:

    The Shell Fuel Rewards® Mastercard® Credit Card earns 10% Shell rebates on your first $1,200 Shell non-fuel purchases per year and 2% Shell rebates on your first $10,000 Dining and Grocery purchases.

    Save 30¢/gal (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2023.

    The Shell Fuel Rewards® Mastercard® has a variable purchase APR of up to 31.24%. The Card doesn't charge an annual fee.

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
    • High APR
    • No Intro Period
  • Benefits:
    • 30¢/gal (up to 35 gallons) on your first 5 Shell fuel purchases;
    • 10% Shell rebates on your first $1,200 Shell non-fuel purchases;
    • 2% Shell rebates on your first $10,000 Dining and Grocery purchases;
    • 1% Shell rebates on other qualifying purchases.
Card detail