Best 2 Percent Cash Back Credit Cards 2023

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.

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

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.

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.

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.

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.

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.

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.

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.

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.