10 Best Credit Cards for How NOT 2 of October 2026
Top picks for How NOT 2 from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at How NOT 2. Order can differ from that column because ranking adds the adjustments above.
SoFi Unlimited 2% earns the top spot for How NOT 2 purchases at 2.0¢ per dollar at how not 2 — no annual fee. We ranked every card in our database against How NOT 2 purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
SoFi Unlimited 2%
SoFi
- +Official cobrand card — earns rewards on all purchases
- +No annual fee
Bilt Palladium Card
Cardless
- +Priority Pass Airport Lounge Access
- +50,000 points bonus (~$1,000 value)
- +Est. $300/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Capital One Venture Rewards Credit Card
Capital One
- +75,000 miles bonus (~$975 value)
- +Up to 1.4¢/pt via British Airways Club
- +Est. $15/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Why SoFi Unlimited 2% wins for How NOT 2
SoFi Unlimited 2% earns 2.0¢ per dollar at How NOT 2, the highest marginal rate in our list for this brand. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum earn rate on this category and don't mind a focused rewards structure.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| SoFi Unlimited 2%SoFi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | $300 | mastercard |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $95 | $15 | mastercard |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | $25 | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $395 | $315 | visa |
| The Platinum Card from American ExpressAmerican Express | 1x Membership Rewards | 1.5¢/$ | $895 | $1,317 | amex |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $1,063 | visa |
| IHG One Rewards Premier Credit CardChase | 3x IHG One Rewards | 1.8¢/$ | $150 | $140 | mastercard |
| BJ's One+™ Mastercard®Capital One | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
More Options
How to maximize value at How NOT 2
- Use SoFi Unlimited 2% for How NOT 2 purchases — it earns 2.0¢ per dollar at How NOT 2 in our scoring.
- Shopping portals sometimes offer extra rewards at How NOT 2; check current portal rates before you buy.
- Pair SoFi Unlimited 2% with Bilt Palladium Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Similar Brands
Other brands in Shopping where the top picks above also earn well.
Frequently asked
- What credit card earns the most at How NOT 2?
- SoFi Unlimited 2% ranks #1 for How NOT 2 in our list at 2.0¢ per dollar at How NOT 2 — no annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at How NOT 2?
- Shopping portals sometimes offer extra rewards at How NOT 2; check current portal rates before you buy.
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