Top 9 Credit Cards Offering 2% Cashback [Year 2025]
In the ever-evolving world of credit cards, finding the right one that offers the best rewards can be a daunting task. Here's a rundown of the top 2% cash-back credit cards in 2025, each with its unique benefits, welcome bonuses, annual fees, and cash-back rewards.
1. Wells Fargo Active Cash® Card
This card is perfect for general everyday spending without any rotating categories. Enjoy a $200 cash rewards bonus after spending $500 in the first 3 months, and unlimited 2% cash rewards on purchases, all with a $0 annual fee.
2. Citi Double Cash® Card
Offering flexibility in earning cash back on all purchases, this card also provides the additional benefit of earning Citi ThankYou Points. Enjoy a $200 cash back if you spend $1,500 in the first six months, and earn 2% cash back (1% when you buy and 1% when you pay your bill) on all purchases. The annual fee remains at $0.
3. Fidelity Rewards Visa Signature Card
Ideal for those who want their rewards deposited directly into a Fidelity investment account, this card offers unlimited 2% cash back with no annual fee. While it doesn't have a specific sign-up bonus, its unlimited cash-back rewards make it a strong contender.
4. Capital One Spark Cash Plus
Ideal for businesses needing unlimited cash-back rewards without a preset spending limit, this card offers unlimited 2% cash back on all purchases. While it has a $150 annual fee after the first year, the substantial welcome bonus and unlimited cash-back rewards make it a worthwhile choice.
These cards are highly regarded for their flat-rate cash-back offers, which can be beneficial for those who prefer simplicity in their rewards structure.
Other Notable Mentions
- American Express Blue Business CashTM Card: Offers 2% cash-back on all purchases (on your first $50,000 in card spend each year, then 1%), with a welcome bonus of $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months, and an annual fee of $0.
- SoFi card: This card offers $0 annual fee, cell phone protection, a $10 Lyft credit when you take 5 rides per month, and no foreign transaction fees. The SoFi Unlimited 2% Credit Card offers additional benefits like 3% cash-back on purchases through SoFi Travel and 2% cash-back on all other purchases.
- Robinhood Gold Card: This card offers 3% cash-back on travel purchases through the Robinhood travel portal and 3% cash-back on all other purchases, with no annual fee. However, it requires a Robinhood Gold membership, which costs $5 per month.
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