Best 2 Percent Cash Back Credit Cards 2025

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

Updated May 02, 2025

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Best Credit Cards for 2 Percent Cash Back in May 2025

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Chase World of Hyatt best for Hotel

Chase World of Hyatt

Annual fee:

$95 annually

Regular APR:

20.49% - 27.49% Variable

Our Rating:

3.04

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:
20.49% - 27.49% 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 20.49% - 27.49%.
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.

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Card detail

Truist Bank Business Cash Rewards

Annual fee:

Regular APR:

17.49% - 26.49% Variable

Our Rating:

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 3% Cash Back on gas.
- 2% Cash Back at restaurants and office supply stores, up to $2,000 in combined spend in 2% and 3% categories per month.
- 1% Cash Back on all other eligible purchases.
Purchase Intro APR:
0% Introductory APR for the first 9 billing cycles
Balance Transfer APR:
17.49% - 26.49% Variable

Issuer name:
Truist Bank
Details:
The Truist Business Cash Rewards Credit Card earns 3% Cash Back on gas, 2% Cash Back at restaurants and office supply stores (up to $2,000 in combined spend in 2% and 3% categories per month). Plus, earn 1% Cash Back on all other eligible purchases.
The Business Cash Rewards Card doesn't charge an annual fee.
The Card has a 0% introductory APR period for 9 billing cycles on purchases. After that, the variable APR is 17.49% - 26.49%.

Pros:
- No Annual Fee
- Intro APR period on purchases
Cons:
- Foreign Transaction Fee

Benefits:
- 3% Cash Back on gas;
- 2% Cash Back at restaurants and office supply stores (up to $2,000 in combined spend in 2% and 3% categories per month);
- 1% Cash Back on all other eligible purchases;
- Visa® Zero Liability protection;
- Travel and Emergency Assistance Services;
- Auto Rental Collision Damage Waiver;
- Travel Accident Insurance;
- Lost Luggage Reimbursement;
- Visa Signature Concierge.

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Card detail

Chase Instacart Mastercard®

Annual fee:

Regular APR:

19.24% - 27.99% Variable

Our Rating:

4.07

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 5% Cash Back on Instacart.com and Instacart app purchases on over 750 retailers delivering from more than 70,000 stores across 5,500 cities.
- 5% Cash Back on travel purchased over the phone through the Chase Travel Center, including flights, hotels and more.
- 2% Cash Back at restaurants, gas stations, and on select streaming services.
- 1% Cash Back on all other purchases.
Intro Offer:
- $50 Instacart credit. Credit will be automatically loaded into your Instacart.com account upon the approval of your credit card application.
Balance Transfer APR:
19.24% - 27.99% Variable

Issuer name:
Chase
Details:
The Chase Instacart Mastercard® Credit Card offers 5% Cash Back on Instacart.com and Instacart app purchases (on over 750 retailers delivering from more than 70,000 stores across 5,500 cities), 5% Cash Back on travel (purchased over the phone through the Chase Travel Center, including flights, hotels and more), 2% Cash Back at restaurants, gas stations, and on select streaming services. Plus, earn 1% Cash Back on all other purchases.
Get a free year of Instacart+ and a $50 Instacart credit.
The Card doesn't charge an annual fee. The APR for both purchases and balance transfers is 19.24% to 27.99% (Variable).

Pros:
- No Annual Fee
- No Foreign Transaction Fee
Cons:
- No Intro APR period
- Extra Fees

Benefits:
- A free year of Instacart+ and a $50 Instacart credit;
- 5% Cash Back on Instacart.com and Instacart app purchases on over 750 retailers delivering from more than 70,000 stores across 5,500 cities;
- 5% Cash Back on travel purchased over the phone through the Chase Travel Center, including flights, hotels and more;
- 2% Cash Back at restaurants, gas stations, and on select streaming services;
- 1% Cash Back on all other purchases;
- Free delivery on all purchases over $35;
- Family Account.

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Card detail

Commerce Bank University of Idaho Alumni Association Visa® Rewards

Annual fee:

Regular APR:

20.49% - 30.49% Variable

Our Rating:

4.8

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 3% Cash Back on streaming, cable and ridesharing services.
- 2% Cash Back on gas and restaurants.
- 1% Cash Back on all other purchases.
Purchase Intro APR:
1.99% Introductory APR for 6 monthly billing cycles after account opening
Balance Transfer APR:
20.49% - 30.49% Variable

Issuer name:
Commerce Bank
Details:
The University of Idaho Alumni Association Visa® Rewards Credit Card from Commerce Bank earns 3% Cash Back on streaming, cable and ridesharing services, 2% Cash Back on gas and restaurants and 1% Cash Back on all other purchases.
The Card doesn't charge an annual fee.
Cardholders can enjoy an interest rate of 1.99% for both purchases and balance transfers for the first 6 billing cycles (20.49% - 30.49% Variable after that).

Pros:
- No Annual Fee
Cons:
- Foreign Transaction Fee

Benefits:
- 3% Cash Back on streaming, cable and ridesharing services;
- 2% Cash Back on gas and restaurants;
- 1% Cash Back on all other purchases.

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Card detail

Zions Bank AmaZing Cash® for Business

Annual fee:

Regular APR:

18.49% Variable

Our Rating:

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 3% Cash Back on common business-related expenses, including cellular services, internet services, office supplies, cable TV and telecommunications.
- 2% Cash Back on travel-related purchases, including airlines and vehicle rentals.
- 1% Cash Back on all other purchases.
Intro Offer:
- $750 Cash Back when you spend $7,500 in the first 120 days.
Purchase Intro APR:
0% Intro APR for the first 6 months from account opening
Balance Transfer APR:
18.49% Variable

Issuer name:
Zions Bank
Details:
The AmaZing Cash® for Business Credit Card earns 3% back on office supplies and technology, 2% back on travel, and 1% back on everything else. Get $750 Cash Back when you spend $7,500 in the first 120 days.
The AmaZing Cash® for Business Card doesn't charge an annual fee.
The Card has a 0% introductory APR period for 6 months on purchases and balance transfers. After that, the variable APR is 18.49%.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- $750 Cash Back (when you spend $7,500 in the first 120 days);
- 3% Cash Back on common business-related expenses, including cellular services, internet services, office supplies, cable TV and telecommunications;
- 2% Cash Back on travel-related purchases, including airlines and vehicle rentals;
- 1% Cash Back on all other purchases;
- Visa® Zero Liability;
- Visa Concierge Service;
- Travel Accident Insurance;
- Travel & Emergency Assistance;
- Emergency Card Replacement;
- Emergency Cash Disbursement.

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Card detail

Zions Bank Reserve Visa®

Annual fee:

$450 annually

Regular APR:

19.49% - 29.49% Variable

Our Rating:

4.01

Credit score

Excellent (740-799)

Rewards Rate:
- 3% Cash or 3X points on all Travel & Dining purchases.
- 2% Cash or 2X points on everything else.
Intro Offer:
- $500 Cash or 50,000 points when you spend $5,000 within the first 90 days.
Balance Transfer APR:
19.49% - 29.49% Variable

Issuer name:
Zions Bank
Details:
The Reserve Visa® Credit Card earns 3% Cash Back or 3x points on all Travel & Dining purchases, 2% Cash Back or 2x points on everything else. Get $500 or 50,000 points when you spend $5,000 within the first 90 days.
The Reserve Visa® Card comes with an annual fee of $450.
The card's APR: 19.49% - 29.49% (Variable APR).

Pros:
- Travel benefits
Cons:
- Annual Fee

Benefits:
- $500 cash or 50,000 points when you spend $5,000 within the first 90 days;
- 3% cash or 3x points on all Travel & Dining purchases;
- 2% cash or 2x points on everything else;
- $250 annual travel credit;
- No blackout dates or restrictions on redemption;
- Complimentary Priority Pass Select Lounge Access;
- Trip cancellation insurance;
- Travel accident insurance;
- Lost and delayed baggage reimbursement.

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Card detail

Chase Disney® Premier Visa®

Annual fee:

$49 annually

Regular APR:

18.24% - 27.24% Variable

Our Rating:

3.96

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 10% On select purchases at shopDisney.com when you use your Disney Premier Visa Card.
- 5% Back in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com.
- 2% Back in Disney Rewards Dollars on card purchases at grocery stores, restaurants, gas stations and most Disney locations.
- 1% Back on all other purchases.
Intro Offer:
- $300 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening.
Purchase Intro APR:
0% Promo APR for the first six months following the purchase date on select Disney vacation packages or purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club® Resort, provided your account is not past due on the purchase date
Balance Transfer APR:
18.24% - 27.24% Variable

Issuer name:
Chase
Details:
The Disney® Premier Visa® Card from Chase earns 10% Back on select purchases at shopDisney.com, 5% Back on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com and 2% Back on card purchases at grocery stores, restaurants, gas stations and most Disney locations. Plus, earn $300 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening.
Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.24% - 27.24%. The Card comes with an annual fee of $49.

Pros:
- Promo APR period
Cons:
- Annual Fee
- Foreign Transaction Fee

Benefits:
- $300 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening;
- 10% Back on select purchases at shopDisney.com;
- 5% Back on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com;
- 2% Back on card purchases at grocery stores, restaurants, gas stations and most Disney locations;
- 1% Back on all other purchases.

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Card detail

Commerce Bank WMAA Visa Signature® Rewards

Annual fee:

Regular APR:

20.49% - 30.49% Variable

Our Rating:

4.8

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 3% Cash Back at coffee shops and fast food restaurants and through rideshare services.
- 2% Cash Back at restaurants and gas stations.
- 1% Cash Back on all other purchases.
Purchase Intro APR:
1.99% Introductory APR for 6 monthly billing cycles after account opening
Balance Transfer APR:
20.49% - 30.49% Variable

Issuer name:
Commerce Bank
Details:
The WMAA Visa Signature® Rewards Credit Card from Commerce Bank earns 3% Cash Back at coffee shops and fast food restaurants and through rideshare services, 2% Cash Back at restaurants and gas stations and 1% Cash Back on all other purchases.
The Card doesn't charge an annual fee.
Cardholders can enjoy an interest rate of 1.99% for both purchases and balance transfers for the first 6 billing cycles (20.49% - 30.49% Variable after that).

Pros:
- No Annual Fee
Cons:
- Foreign Transaction Fee

Benefits:
- 3% Cash Back at coffee shops and fast food restaurants and through rideshare services;
- 2% Cash Back at restaurants and gas stations;
- 1% Cash Back on all other purchases;
- Zero Liability Coverage.

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Card detail

Commerce Bank Kansas City Zoo Visa® Rewards

Annual fee:

Regular APR:

20.49% - 30.49% Variable

Our Rating:

4.8

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 3% Cash Back on streaming, cable and ridesharing services.
- 2% Cash Back on gas and restaurants.
- 1% Cash Back on all other eligible purchases.
Purchase Intro APR:
0% Introductory APR for 6 monthly billing cycles after account opening
Balance Transfer APR:
20.49% - 30.49% Variable

Issuer name:
Commerce Bank
Details:
The Kansas City Zoo Visa® Rewards Credit Card earns 3% Cash Back on streaming, cable and ridesharing services, 2% Cash Back on gas and restaurants and 1% Cash Back on all other eligible purchases.
The Kansas City Zoo Visa® Rewards Card doesn't charge an annual fee. The Card has a 0% introductory APR period for 6 billing cycles on purchases and balance transfers. After that, the variable APR is 20.49% - 30.49%.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- 3% Cash Back on streaming, cable and ridesharing services;
- 2% Cash Back on gas and restaurants;
- 1% Cash Back on all other eligible purchases;
- $35 for each new active Kansas City Zoo Visa® account;
- Special offers from the Friends of the Zoo.

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Card detail

Commerce Bank BAMSL Visa Signature® Rewards

Annual fee:

Regular APR:

20.49% - 30.49% Variable

Our Rating:

4.8

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 3% Cash Back on streaming, cable and ridesharing services.
- 2% Cash Back on gas, restaurants.
- 1% Cash Back on all other eligible purchases.
Purchase Intro APR:
1.99% Introductory APR for 6 monthly billing cycles after account opening
Balance Transfer APR:
20.49% - 30.49% Variable

Issuer name:
Commerce Bank
Details:
The Commerce Bank BAMSL Visa Signature® Rewards Credit Card earns 3% Cash Back on streaming, cable and ridesharing services, 2% Cash Back on gas and restaurants and 1% Cash Back on all other eligible purchases.
The BAMSL Visa Signature® Rewards Card doesn't charge an annual fee.
Cardholders can enjoy an interest rate of 1.99% for both purchases and balance transfers for the first 6 billing cycles (20.49% - 30.49% Variable after that).

Pros:
- No Annual Fee
Cons:
- Foreign Transaction Fee

Benefits:
- 3% Cash Back on streaming, cable and ridesharing services;
- 2% Cash Back on gas, restaurants;
- 1% Cash Back on all other eligible purchases.

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Card detail

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