Best credit card to use at STDCheck.

Picks without a tag earn at STDCheck both in-store and online. Watch for theOnline onlytag — those bonuses only apply on stdcheck.com.

1. #1
   
   Bank of America Cash Rewards SecuredOnline onlyif you select it

   Bank of America

   3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)

   3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
   3%
2. #2
   
   Bank of America Customized Cash RewardsOnline onlyif you select it

   Bank of America

   3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)

   3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
   3%
3. #3
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
4. #4
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
5. #5
   
   Hilton Honors American Express SurpassOnline only

   American Express

   4x points on online shopping

   Eligible U.S. online retail purchases
   2.0%4x points
6. #6
   
   Blue Business Cash from American Express

   American Express

   2% flat-rate cashback
   2%
7. #7
   
   Capital One Spark Cash Plus

   Capital One

   2% flat-rate cashback
   2%
8. #8
   
   Citi Double Cash

   Citi

   2% flat-rate cashback

   1% when you buy, 1% when you pay
   2%
9. #9
   
   Coinbase One

   First Electronic Bank

   2% flat-rate cashback

   Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
   2%
10. #10
    
    Fidelity Rewards Visa Signature

    Elan Financial Services

    2% flat-rate cashback

    When deposited into an eligible Fidelity account
    2%
11. #11
    
    Graphite Business Cash Unlimited

    American Express

    2% flat-rate cashback

    Unlimited 2% cash back on eligible purchases
    2%
12. #12
    
    Ink Business Premier

    Chase

    2% flat-rate cashback

    2.5% on purchases of $5,000 or more per transaction
    2%
13. #13
    
    Intuit Business

    WebBank

    2% flat-rate cashback
    2%
14. #14
    
    Navy Federal cashRewards Plus

    Navy Federal

    2% flat-rate cashback

    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
15. #15
    
    PNC Cash Unlimited

    PNC

    2% flat-rate cashback
    2%
16. #16
    
    Smartly Visa Signature

    U.S. Bank

    2% flat-rate cashback
    2%
17. #17
    
    TD Double Up

    TD Bank

    2% flat-rate cashback

    Earns 2 points per dollar; 1 point is worth 1 cent, with a 2,500 point minimum to redeem as a statement credit or a deposit to a TD checking or savings account
    2%
18. #18
    
    Wells Fargo Active Cash

    Wells Fargo

    2% flat-rate cashback
    2%
19. #19
    
    Wells Fargo Signify Business Cash

    Wells Fargo

    2% flat-rate cashback
    2%

Testing here is HSA and FSA eligible, and pre-tax dollars beat any cashback rate, so use those funds first. Paying out of pocket, lab charges rarely hit a bonus category, making a flat 2 percent card the practical choice, and the discreet billing descriptor is part of what you are paying for.

Last updated August 10, 2026