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Best Flat-Rate Cashback Cards at 2% or More

A comparison of the mechanisms, redemption paths, and ecosystem dependencies of various 2% cashback credit cards, as of October 2026.

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Four $0-fee business cards publish a 1.5% or 1.5-point base rate. Spark Miles Select is not listed on Capital One's current travel index.

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Visa's April 18, 2026 schedule prices card-present retail Product 2 from 1.51% plus $0.10 to 2.30% plus $0.10. The MCC selects the row.

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Instarem's U.S. page does not publish one markup. U.S. ACH is 3,000 USD per transfer and 12,000 USD a month. NMLS 1528562.

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Four $0-fee business cards publish a 1.5% or 1.5-point base rate. Spark Miles Select is not listed on Capital One's current travel index.

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Venture X Business is $395, Sapphire Reserve for Business is $795, and Amex Business Platinum is $895. Each card lists a different credit schedule.

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As of October 2026, Delta Gold Business is $0 then $150, Platinum Business is $350, and Reserve Business is $650. Sky Club visits are on Reserve.

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Spark Cash is $0, then $95, at 2% cash back, as of October 2026. The Spark Miles URL opens an index that does not list Spark Miles.

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Visa's April 18, 2026 schedule prices card-present retail Product 2 from 1.51% plus $0.10 to 2.30% plus $0.10. The MCC selects the row.

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Ink Unlimited and Ink Cash are $0. Preferred is $95 and Premier is $195. Cash 5% and 2% each cap at $25,000 per anniversary year.

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