Two percent on everything, full stop. The split structure (1% when you buy, 1% when you pay) is a rounding error that pays you to settle the statement, which you should be doing anyway. There is no category to memorize, no quarter to activate, no annual fee to outrun. For the spending you can't predict, utilities, the dentist, the wedding gift in March, this is the cleanest backstop card in the category.
What you actually earn
Who this card is for
Wants a no-thinking baseline card for everything that doesn't fall into a bonus category. Foreign transaction fee makes this a domestic card only.
The compliance footnote
The Double Cash carries a $0 annual fee with an APR range of 19.24-29.24% Variable. Foreign-transaction fee is 3%. The current signup offer is $200 cash back after $1,500 in 6 months. These terms are accurate as of 2026-05-03 and may change at the issuer's discretion. The Apply link goes directly to the issuer; picksbycard is independent and does not earn a commission on card approvals.