Ramit Sethi recommends Fidelity’s 2% cash-back credit card as a simple, “no-nonsense” everyday card. He emphasizes its flat 2% cash back on all purchases, lack of rotating categories or tracking requirements, and contrasts this simplicity with people who overcomplicate cards chasing sign-up bonuses and category-optimization.
I think this is one of the best. No nonsense cards you can get. Fidelity's 2% cash back card. This is the simple workhorse. It gives you 2% cash back on everything. No weird categories. No need to track if you're using gas on Thursday. And then I use this card and then I use my grocery bill. But only for granola bars. No, just cold, hard 2% cash back. Too many people are overcomplicating credit cards. They chase sign up bonuses, optimize for rotating categories. They waste hours trying to game the system. If you don't want to mess with all that, this card is the answer.
