2% - 3% Cashback (CB) Credit Card (CC) - List

[FalconSteve]

So any of the nationally available cards (that don't involve an AF or joining something) avoid Experian? SoFi and Citi both use Experian and almost all of my inquiries are Experian.

[FinStar]

---

@FalconSteve wrote:

So any of the nationally available cards (that don't involve an AF or joining something) avoid Experian? SoFi and Citi both use Experian and almost all of my inquiries are Experian.

---

I'm not sure what is meant by "avoid", but a variety of them tend to use whatever CRAs they have contractual agreements or partnerships.  PayPal 2% CB has been known to pull TU and/or EX.  BBVA and FNBO pull EX, for instance.  It will really depend on the bank or CU. 

[Credit12Fico]

---

@FalconSteve wrote:

So any of the nationally available cards (that don't involve an AF or joining something) avoid Experian? SoFi and Citi both use Experian and almost all of my inquiries are Experian.

---

I think Fidelity pulls TU.  All you would need is to open a free brokerage account to deposit the cashback. Then transfer it out from there.

[galahad15]

---

@FinStar wrote:

---

---

You're welcome @galahad15 - let us know the outcome of your application!

---

Update:  hi again @FinStar some good news to report, I was approved by Dover FCU on 6/9 for a SL of $5,000!    Again many thanks to all posters who very kindly provided the valuable info on the CU and also the eligibility info for joining the CU!

[FinStar]

---

@galahad15 wrote:

---

@FinStar wrote:

---

---

You're welcome @galahad15 - let us know the outcome of your application!

---

Update:  hi again @FinStar some good news to report, I was approved by Dover FCU on 6/9 for a SL of $5,000!    Again many thanks to all posters who very kindly provided the valuable info on the CU and also the eligibility info for joining the CU!

---

Thanks for sharing your update on this @galahad15. I would suggest posting a thread in the Approvals forum so that others can learn more about the process with this particular CU and any other DPs you can offer. 

[FalconSteve]

Wells Fargo is getting a 2% card on July 1, 2021. All of their cards are Visa (except the Propel, but that is invite only now and an AmEx).

[NoMoreE46]

It seems that 2% back cards are now blossoming.  The purpose of this thread is for the community to chime in on the pros and cons of these 2% cards that may be the new battle ground for issuers in the once ubiquitous 1.5% arena.

I prefer that the scope of this be focused on credit cards that offer unlimited, 2% back on all purchases with no annual fee ever and is for personal usage.

The Ollo rewards card, for instance, is excluded as this 2% back applies to gas, grocery and drug store purchases only.  The Spark 2% cash by Capital One is excluded since this is a business card.

For discussion, so far we have:

Active Cash by Wells Fargo

Double Rewards by Citi

Double Up by TD Bank

Evergreen Rewards by FBNO

Fidelity Rewards by Fidelity

PayPal Cashback by Synchrony

Sofi card

[longtimelurker]

See the recent big thread

https://ficoforums.myfico.com/t5/Credit-Cards/2-3-Cashback-CB-Credit-Card-CC-List/m-p/6197473

[ChargedUp]

---

@NoMoreE46 wrote:

It seems that 2% back cards are now blossoming.  The purpose of this thread is for the community to chime in on the pros and cons of these 2% cards that may be the new battle ground for issuers in the once ubiquitous 1.5% arena.

I prefer that the scope of this be focused on credit cards that offer unlimited, 2% back on all purchases with no annual fee ever and is for personal usage.

The Ollo rewards card, for instance, is excluded as this 2% back applies to gas, grocery and drug store purchases only.  The Spark 2% cash by Capital One is excluded since this is a business card.

For discussion, so far we have:

Active Cash by Wells Fargo

Double Rewards by Citi

Double Up by TD Bank

Evergreen Rewards by FBNO

Fidelity Rewards by Fidelity

PayPal Cashback by Synchrony

Sofi card

---

PenFed Power Cash Rewards is 2% if you're military or open a checking with $500 balance. 

Synchrony's private label MC is 2% as well.

[TheFIGuy]

updated list!