Walmart purchases
Apply now
On Capital One‘s site

Best 2 Percent Cash Back Credit Cards 2022

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

Best Credit Cards for 2 Percent Cash Back in November 2022

Hide all
Show all

Capital One Walmart Rewards® Mastercard® best for Walmart purchases

Capital One Walmart Rewards®
Annual fee:
$0
Regular APR:
17.99% - 27.74% Variable
Our Rating:
4.12
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% - 27.74% 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% – 27.74% (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.
View all Walmart Rewards® details
Apply now
On Capital One‘s site
Card detail

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

Petal® 2 “Cash Back, No Fees” Visa® WebBank
Annual fee:
$0
Regular APR:
15.99% - 29.99% 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 $500 - $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:
18.24% - 25.24% Variable
Our Rating:
3.15
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:
    18.24% - 25.24% 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 18.24 - 25.24 percent.

    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
Synchrony Amazon Secured
Annual fee:
$0
Regular APR:
10.00%
Our Rating:
2.88
scorer
Credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 2% Back on Amazon purchases (with an eligible Prime membership).
  • Issuer name:
    Synchrony Bank
  • Details:

    The Synchrony Amazon Secured Credit Card earns 6% back on Prime Day (July 12 & 13) and 2% back the rest of the year at Amazon.com with an eligible Prime membership.

    You’ll be required to provide a security deposit to activate the Secured Card features. You can deposit, in $50 increments, anywhere between $100 and the amount you're approved for (Maximum: $1000).

    The Amazon Secured Card doesn't charge an annual fee. The APR for purchases is 10.00%.

  • Pros:
    • No Annual Fee
  • Cons:
    • No Foreign Transaction Fee
    • Balance transfers and cash advances are not available
  • Benefits:
    • 6% back on Prime Day (July 12 & 13);
    • 2% back on Amazon purchases;
    • Chance to get your security deposit returned after as little as 12 months.
Card detail
Citi AllModern Mastercard®
Annual fee:
$0
Regular APR:
29.24% Variable
Our Rating:
3.7
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Back in Rewards at AllModern.
    • 3% Back at grocery stores.
    • 2% Back on online purchases.
    • 1% Back on all other purchases.
  • Intro Offer:
    • $40 Off your qualifying first order if it is at least $250.
  • Balance Transfer APR:
    29.24% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi AllModern Mastercard® Credit Card earns 5% Back at AllModern, 3% Back at grocery stores, 2% Back on online purchases and 1% Back on all other purchases. New card accounts enjoy $40 off their first order of $250 or more.

    The AllModern Mastercard® doesn't charge an annual fee. The APR for purchases and balance transfers is 29.24% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
    • High APR
  • Benefits:
    • $40 off your qualifying first order if it is at least $250;
    • 5% Back at AllModern;
    • 3% Back at grocery stores;
    • 2% Back on online purchases;
    • 1% Back on all other purchases.
Card detail
Truist Enjoy Cash Secured
Annual fee:
$19 annually
Regular APR:
21.49% Variable
Our Rating:
4.78
scorer
Credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • 3% Cash Back on gas.
    • 2% Cash Back on utilities and groceries (with a combined $1,000 monthly cap).
    • 1% Cash Back on all other eligible purchases.
  • Balance Transfer APR:
    21.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Enjoy Cash Secured Credit Card earns 3% Cash Back on gas, 2% Cash Back on groceries and utilities (up to the combined $1,000 monthly spend cap) and 1% Cash Back on all other eligible purchases.

    The APR for purchases and balance transfers is 21.49% Variable.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • High APR
    • No Intro APR period
  • Benefits:
    • 3% Cash Back on gas;
    • 2% Cash Back on utilities and groceries (with a combined $1,000 monthly cap);
    • 1% Cash Back on all other eligible purchases;
    • Monthly payment history will be reported to three major credit bureaus;
    • Visa® Zero Liability;
    • Contactless payments and mobile wallets.
Card detail
Commerce Bank Save the Children Visa® Signature
Annual fee:
$0
Regular APR:
17.49% - 27.49% Variable
Our Rating:
4.94
scorer
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.
  • Intro Offer:
    • $35 Make your first purchase with your new Save the Children Visa Signature® credit card and Commerce Bank will contribute $35 to Save the Children.
  • Purchase Intro APR:
    1.99% Introductory APR for 6 monthly billing cycles after account opening
  • Balance Transfer APR:
    17.49% - 27.49% Variable
  • Issuer name:
    Commerce Bank
  • Details:

    The Commerce Bank Save the Children Visa® Signature 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.

    Make your first purchase with your new Save the Children Visa Signature® Card and Commerce Bank will contribute $35 to Save the Children.

    The Commerce Bank Save the Children Visa® Signature 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 (17.49% - 27.49% 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 eligible purchases;
    • Visa Signature Benefits, including Concierge.
Card detail
US bank Cash+® Visa® Secured
Annual fee:
$0
Regular APR:
29.74% Variable
Our Rating:
4.53
scorer
Credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 5% Cash Back on your first $2,000 in combined eligible purchases each quarter in 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 eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants).
    • 1% Cash Back on all other purchases.
  • Balance Transfer APR:
    29.74% Variable
  • Issuer name:
    US bank
  • Details:

    The US bank Cash+® Visa® Secured Credit Card earns 5% Cash Back on your first $2,000 in combined eligible purchases each quarter in 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 eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants) and 1% Cash Back on all other purchases.

    The US bank Cash+® Visa® Secured Card doesn't charge an annual fee. The APR for purchases and balance transfers is 29.74% (Variable).

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
    • No Intro APR period
    • High APR
  • Benefits:
    • 5% Cash Back on your first $2,000 in combined eligible purchases each quarter in 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 eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants);
    • 1% Cash Back on all other purchases;
    • Fraud protection;
    • Choose your payment due date.
Card detail
BTC Bank Visa®
Annual fee:
$0
Regular APR:
17.49% - 27.49% Variable
Our Rating:
4.57
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back at coffee shops and fast food restaurants, plus on rideshares.
    • 2% Cash Back at gas stations 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:
    17.49% - 27.49% Variable
  • Issuer name:
    Commerce Bank
  • Details:

    The BTC Bank Visa® Credit Card earns 3% Cash Back at coffee shops and fast food restaurants, plus on rideshares, 2% Cash Back at gas stations and restaurants and 1% Cash Back on all other purchases.

    The BTC Bank Visa® 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 (17.49% - 27.49% Variable after that).

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 3% Cash Back at coffee shops and fast food restaurants, plus on rideshares;
    • 2% Cash Back at gas stations and restaurants;
    • 1% Cash Back on all other purchases;
    • Emergency Card Replacement.
Card detail
Credit One Bank® Platinum Rewards Visa with No Annual Fee
Annual fee:
$0
Regular APR:
25.49% Variable
Our Rating:
1.71
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back rewards on eligible purchases of gas, grocery, internet, cable and satellite TV, and mobile phone services.
  • Issuer name:
    Credit One® Bank
  • Details:

    The Credit One Bank® Platinum Rewards Visa with No Annual Fee Credit Card earns 2% Cash Back on eligible purchases of gas, grocery, internet, cable and satellite TV, and mobile phone services.

    The APR for purchases is 25.49% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Balance transfers are not available
    • No Intro APR period
    • High APR
    • Foreign Transaction Fee
  • Benefits:
    • 2% Cash Back on eligible purchases of gas, grocery, internet, cable and satellite TV, and mobile phone services;
    • Get More Rewards;
    • Zero Fraud Liability.
Card detail