The Best Hassle-Free Cash Back Credit Cards

With so many credit cards available, it can be tough to choose which card is best. There are cash back cards, rewards card, airline cards, hotel cards, and more. The rewards earned aren’t always (or even usually) worth the same amount and cards offer different spending categories, annual bonuses, and other benefits to confuse matters even more.

Sometimes simple is simply better.

There are a couple of cash back credit cards that offer the same percent back on every purchase so you don’t have to wonder if you’re getting the most back possible. With these 2% back cards, you’re always getting the same amount back no matter what categories you’re making purchases in. These cards do have annual fees and other benefits that you still need to consider to decide what card is best.

Even if you like thins to be more complicated so you can earn as many rewards as possible, having a 2% cash back card is still a good idea for all of those purchases that otherwise wouldn’t earn bonus points or miles.

Here are my favorite 2% cash back credit cards.

Fidelity Rewards Visa Signature Card

The Fidelity Rewards Visa is my favorite 2% cash back card mainly because it doesn’t have an annual fee. This is the card I use for all of my spending that doesn’t otherwise fall into a bonus category with another card. They even occasionally send out targeted spending bonuses so you can earn a little more than 2% back! The downside to this card is that it does charge foreign transaction fees, so I never use it abroad.

Barclaycard Arrival Plus World Mastercard

This card isn’t exactly a cash back credit card because you can only get the maximum amount of ‘cash back’ when you redeem your Arrival Miles toward a travel purchase. So, it’s really a travel cash back credit card. The Arrival Plus has an $89 annual fee that is waived the first year and it also doesn’t have foreign transaction fees.

Capital One Spark Cash for Business

This is another 2% cash back card. My favorite thing about this card is that it usually has a pretty nice sign-up bonus. In the past few months, the bonus has ranged between $500 and $1,000 after completing the spending requirement. This card doesn’t have an annual fee the first year, but it does have a $95 annual fee going forward. There are no foreign transaction fees on this card, either.

I think everyone should have at least one of these three cards in their wallet — especially the Fidelity card since it doesn’t have an annual fee!


What’s your favorite no hassle credit card?

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