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You can get a credit card without any categories and earn a high flat rate on all purchases. For example, the Citi Double Cash® Card will allow you to earn unlimited 2% cash back on every purchase: 1% cash back when you buy, plus an additional 1% as you pay for those purchases. You don't have to pay off the card balance each month to earn the maximum cash back. It's enough to pay at least the minimum due on time. However, we would recommend paying off the card balance in full each month to save on interest.

The card has no annual fee. Plus, it will get you access to Citi Entertainment, the portal where you can purchase tickets and exclusive experiences for the most exclusive and anticipated concerts, events, and more. Also, you can receive earned cash back as a statement credit, direct deposit, check, or convert to ThankYou points.