Best Flat 2x on everything Credit Cards, Side by Side
Cards that earn about 2x on all purchases, so the choice comes down to fees, credits and what the points are worth to you.
These 9 cards are close substitutes, so the right one comes down to the annual fee, which points you want, and the credits you would actually use. Each card has its own page, and the free rewards calculator shows what swapping one for another does to your total.
The cards
What separates them
No annual fee: Citi Double Cash, Wells Fargo Active Cash, Amex Blue Business Plus and Fidelity Rewards Visa. The others charge a fee that their rewards or credits have to earn back.
Most statement credits: Bilt Palladium Card ($200 of credits). Credits only count if you would spend that money anyway.
See which one fits your spending
Enter a typical month and the calculator picks the best mix. Under any pick in this group, the compare strip shows what each alternative changes in your yearly total.
Open the free rewards calculator →FAQ
Which flat 2x on everything card is best?
There is no single winner. These cards earn about the same on everyday spending, so the choice depends on annual fee, the points you want, and the credits you would use. Enter your own monthly spending in the calculator and use the compare strip under a pick to see what each alternative does to your yearly total.
Should I hold more than one of these cards?
Usually one is enough for this role, because the others earn about the same on the same spending. A second card makes sense when it adds something the first lacks, such as a different points currency or a credit you will use. The calculator only recommends a second card when it adds value over the first.
How are the numbers on this page calculated?
Every figure comes from the card catalog behind the calculator: annual fee, top earn rate, the value we put on each point, and statement credits. Each card page shows the details. Check the issuer's terms before you apply, because offers and fees change.
More comparisons: Dining and groceries