Cash-back cards stand out for their simplicity and tangible value. There’s no need to deal with complicated point systems—you just get a straightforward percentage of your spending returned to you.

A solid strategy is to choose a card that offers 2% cash back on all purchases. This rate is double the average 1% offered by most cards as a base rate on general spending. The cards we’ve highlighted all guarantee at least 2% cash back on every purchase, with no annual fee, so every dollar you earn is yours to keep.

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