Onyx Mastercard®

Yes, if your priority is a no-annual-fee card that earns a solid flat 2% on everything. The appeal here is easy to understand: you can use it for groceries, gas, bills, shopping, and miscellaneous spending without thinking about rotating categories or where your card earns more.

It is a weaker fit for anyone looking for travel perks, statement credits, or a rich list of protections, because none are listed here. There is also no welcome bonus, so the value comes from long-term everyday use rather than a big first-year payout. If you want a simple rewards card and prefer cash back over points, this card makes sense. If you want extras, it will likely feel bare-bones.