Cash-back credit cards with bonus categories, like 3% back on restaurants, typically offer 1% cash back on “everything else.” The Chase Freedom Unlimited® offers 1.5% back on everything else.

The PayPal Cashback Mastercard® used to offer 2% cash back on all other spending not done through PayPal, which at the time made it one of the best cash-back cards on the market. But that 2% rate ...