Terms apply. If groceries, gas and online shopping are significant parts of your budget and you refuse to pay an annual fee, this card is a fine choice.

When it comes to flat-rate cash-back cards, it's hard to beat 2% back, especially when the card is one of the few in this category to come with a bonus for new cardmembers.

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.