"If you're a fan of the flat-rate card, and you should be (in my opinion), then you should start thinking about which card in this space is going to give you the most bang for your buck. For this Redditor, finding the best 2% unlimited cash back credit card is at the top of their list. The good news is that they have some choices, with each card in space offering something slightly different."
"This is exactly the question one Redditor is asking in r/CreditCards: Which is the best 2% cash-back credit card you can pick up right now? This isn't a super crowded category as more flat-rate cards still tend to lean into 1.5% earnings, but in the 2% space, you have some very strong options well worth considering. Looking At a New Credit Card"
"While we can't give you specific or individual financial advice, I can offer the advice I would give a friend or family member if they asked me to recommend a 2% credit card. The Best Recommendations In 2025 Fidelity Credit Card If I had to make just one recommendation to a friend, I would tell them to use my primary credit card, so take that for what it's worth."
Flat-rate and tiered category credit card reward structures present distinct benefits, with flat-rate cards providing consistent earnings across purchases. Several 2% unlimited cash-back cards exist, though many flat-rate cards pay 1.5%. Options in the 2% space include the Wells Fargo Double Cash and the Fidelity 2% unlimited flat-rate card. The Fidelity card is noted for best-in-class customer service, making it a strong primary-card candidate. Credit card offerings now include as high as 5% cash back, large statement credits, $0 annual fees, and travel rewards. Applicants can pursue current card offers to secure competitive rewards.
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