[testval123]

There are no annual fee 2% cards without any hoops. If you don't care about the other perks for Robinhood Gold, the break even would be $50/.01 = $5000 of spend.

[Z_I_F_F]

The fidelity credit card is exactly this if you use Fidelity for your checking account. 2% cashback on everything, goes directly into your bank account.

But the website and app UX for their credit card is awful. Everything is a hassle.

[coolspot]

Citi DoubleCash is 2% on everything, no hoops, no annual fee.

[ahahahahah]

Yes, that is an example of what parent said exists.

[BobaFloutist]

You're right, but man does that take a couple of reads to parse!

[coolspot]

https://en.wikipedia.org/wiki/Garden-path_sentence

[BobaFloutist]

And again, that's $5000 of spend outside of categories you can get better in.