Best 2 Percent Cash Back Credit Cards 2024

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Best Credit Cards for 2 Percent Cash Back in June 2024

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Chase World of Hyatt best for Hotel

World of Hyatt Chase
Annual fee:
$95 annually
Regular APR:
21.49% - 28.49% Variable
Our Rating:
3
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:
    21.49% - 28.49% 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 21.49% - 28.49%.

    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.
Card detail
Commerce Bank NASW Visa® Rewards
Annual fee:
$0
Regular APR:
20.49% - 30.49% Variable
Our Rating:
4.8
scorer
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 NASW 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 eligible purchases.

    Save an additional 20% when you use your NASW Visa® Rewards Credit Card to pay for continuing education in the Social Work Online CE Institute.

    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
    • Intro APR period
  • Cons:
    • No welcome bonus
    • Foreign Transaction Fee
  • Benefits:
    • 3% Cash Back on streaming, cable and ridesharing services;
    • 2% Cash Back on gas, restaurants, fast food;
    • 1% Cash Back on all other eligible purchases.
Card detail
Commerce Bank BAMSL Visa Signature® Rewards
Annual fee:
$0
Regular APR:
20.49% - 30.49% Variable
Our Rating:
4.8
scorer
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.
Card detail
Truist Business Cash Rewards
Annual fee:
$0
Regular APR:
17.49% - 26.49% Variable
Our Rating:
5
scorer
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.
Card detail
Commerce Bank University of Idaho Alumni Association Visa® Rewards
Annual fee:
$0
Regular APR:
20.49% - 30.49% Variable
Our Rating:
4.8
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 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.
Card detail
Zions AmaZing Cash® for Business
Annual fee:
$0
Regular APR:
18.49% Variable
Our Rating:
5
scorer
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.
Card detail
Zions Bank Reserve Visa®
Annual fee:
$450 annually
Regular APR:
19.49% - 29.49% Variable
Our Rating:
4.01
scorer
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.
Card detail
Chase Disney® Premier Visa®
Annual fee:
$49 annually
Regular APR:
19.24% - 28.24% Variable
Our Rating:
3.91
scorer
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:
    19.24% - 28.24% 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 19.24% - 28.24%. 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.
Card detail
Commerce Bank WMAA Visa Signature® Rewards
Annual fee:
$0
Regular APR:
20.49% - 30.49% Variable
Our Rating:
4.8
scorer
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.
Card detail
Commerce Bank Tulsa Alumni Rewards Visa®
Annual fee:
$0
Regular APR:
20.49% - 30.49% Variable
Our Rating:
4.8
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.
  • 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 Tulsa Alumni Rewards Visa® 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 eligible 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 eligible purchases.
Card detail