[ap0]

What card are you using with universal 2% cash back?

[tedmiston]

I'd prefer not to list my specific card provider on a public discussion board out of security consciousness.

That said, NY Times ran an article on "the holy grail" 2% cash back credit cards last year [0] which includes four:

- Barclaycard Arrival Plus World Elite Mastercard

- Capital One Venture Visa Signature

- Citi Double Cash MasterCard

- Fidelity Investment Rewards American Express

[0]: Credit Cards With 2% Rebates, While (or if) They Last http://www.nytimes.com/2015/05/09/your-money/credit-and-debi...

[Phemist]

I guess this only works for people with good credit rating, where the risk of defaulting is low? It seems to me this would be you getting back the 2% default fee on credit card transactions, that has been featured on HN before - https://news.ycombinator.com/item?id=11887469.

[tedmiston]

That's pretty crazy, and I don't think it would fly here, though I never shop at Walmart.

Perhaps it's different in Canada but Visa and MasterCard are the most popular credit card brands in the US.

The only time I've seen something related in the US is at discount grocery store chain Aldi's (it has some commonalities with Walmart) which has a 0.5% surcharge to pay with a debit or credit card in the US and Australia. They had been doing this internationally for a while, in countries where they accept credit cards at least, and Europeans seem to be more accepting of it than Americans, but it only became consistent in the US over the past year or so.

[xur17]

I use the Citi Double Cash which gives 2% cash back, with no annual fee.

[dhruvkar]

Citi Double Back is one with 2% cash back. Also Chase AARP gives 3% on restaurants and gas (no cap), my two bigeest expenses outside of rent.