2% everything, Visa/MC, no FTF, no other strings?

[swankytiger]

Are there any flat 2% Visa/MC's that have no FTF and no other strings.  I mean no holding $100k in a bank, no having to join a credit union, no having to deposit it in a specific type of account. 

[Anonymous]

IMO, depositing it in a specific account isn't much of an issue if you can immediately ACH is to where you want it.  I use SoFI which works well.  For maximum rewards you put it into SoFI Checking/Savings/Investment but then it can be easily moved.   If I didn't have that card, now that Fidelity also has no FTF I would use that, but setting up Fidelity from scratch is probably a bigger lift than SoFI.

Elan also offers a 2% card, and that might have no FTF, in which case that might be the best bet.

[SouthJamaica]

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@swankytiger wrote:

Are there any flat 2% Visa/MC's that have no FTF and no other strings.  I mean no holding $100k in a bank, no having to join a credit union, no having to deposit it in a specific type of account. 

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Great question. I would say the FNBO Evergreen. And I guess the Citi Double Cash, although that one only gives you 1% on purchase on 1% on payment.

Ooops.... I forgot you wanted no foreign transaction fee.  Thanks to @ptatohed  for his superior reading comprehension.

[CYBERSAM]

Paypal Cashback Mastercard, Wells Fargo Active Cash® Card

Just couple that comes to mind, plus others that have been mentioned!

I have a feeling that 2% CCs are dime a dozen now, I'm sure more are going to be mentioned here...

[ptatohed]

Pretty sure the 4 cards mentioned before this post have FTFs.    

[CYBERSAM]

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@ptatohed wrote:

Pretty sure the 4 cards mentioned before this post have FTFs.    

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😒 OK Fine! How about X1 card then 😂

[OrangeRange]

For Visas there is the PNC Cashback Unlimited, 2% flat no FTF or other strings: https://www.pnc.com/en/personal-banking/banking/credit-cards.html 

[ptatohed]

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@OrangeRange wrote:

For Visas there is the PNC Cashback Unlimited, 2% flat no FTF or other strings: https://www.pnc.com/en/personal-banking/banking/credit-cards.html 

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Good one! 

There is the 2.5% Alliant - but that's a Credit Union.  The Cap1 Quicksilver - but that's only 1.5%.  

[SouthJamaica]

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@ptatohed wrote:

Pretty sure the 4 cards mentioned before this post have FTFs.    

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You're right. My bad. I corrected my reply upstream. Thanks for being on the ball.

[cws-21]

There is also the State Department FCU Premium CashBack+.