The best 2% cash back credit cards have no annual fee and provide an above-average return on non-bonus purchases.

The Citi Double Cash is an excellent option if you're looking to earn flat-rate cash back and don't want to pay an annual fee ...

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I've spent years studying credit card rewards, and I'll be honest -- there's no one-size-fits-all answer to the cash back vs. points question. Some people swear by the flexibility of cold, hard cash.