For many of us, Cashback is the undisputed king among all the different types of credit card rewards! Earning cashbacks is much more flexible than redeeming points and miles, as you can spend it the way you want. Also, getting a certain amount of cash for each dollar spent at restaurants or gas stations seems more practical, convenient, and one of the best ways to get cash back. You could also enjoy more cashback for spending in specific categories.
No Need to Track Rotating Categories each Quarter
Do you want a hassle-free way to earn cash rewards regardless of where you spend your money without tracking categories? In that case, flat 2% cashback credit cards are the best choice to boost cash back. It helps you earn steady rewards and also acts as a safety net that makes sure you get nothing less than 2%.
Rotating Category Rewards come with a quarterly cap, expiry date, and limitation of usability, so they might end up being not very useful. You may always have to keep an eye on the rewards calendar to never miss out on earning extra cash back with your everyday spending.
Earn Cashback without Mental Math & Headaches
For every cashback lover on credit cards, a 2% cash back credit card makes perfect sense because they are not just uncomplicated, but their flat 2% cashback is closely equivalent to the overall rotating category bonuses.
A credit card that offers a straight 2% cash back on everything you buy is exceptionally valuable. Plus, they are usually credit cards with no annual fees. Unlike several travel credit cards, you don’t even have to wait for months or sometimes years to collect enough miles or points to redeem for a free flight or hotel room, as with many travel cards. It is even easier to hit the required lower spending threshold to get a signup bonus on 2% cash back cards than on travel credit cards.
Flat-Rate Cash Back Credit Cards are more versatile and have a consistent profit power over time, without needing to monitor the reward earrings. So, you can save all the mental math of keeping up with the quarterly rotating bonus categories.
Three Best 2% Cash Back Credit Cards:
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Popular Everyday Cash Back Card card_name
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The Citi Double Cash Card is a top-rated cashback credit card with a unique rewards structure that allows cardholders to earn 2% cash back on every purchase they make. This card has no annual fee and a long introductory APR 0% 18 months on balance transfers. With simple everyday rewards, it also includes some valuable perks, such as travel & purchase protection, extended warranty coverage, and access to Citi Entertainment. |
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You might even pair your flat-rate card with a rotating rewards credit card offering bonus categories to maximize credit card rewards. There are a number of cards in the market that can help you earn 2% cash back on every purchase.
Conclusion
At the end of the day, you must get a credit card that best fits your spending habits and fulfills your goals. But to further maximize cash back rewards, download Uthrive App. Our innovative approach can help you earn cashback, points, miles, and more with every dollar you spend. We provide personalized recommendations based on your location and category of shopping.
