That's a good bit different from how most credit cards work, and it could make monthly budgeting a lot easier. The Upgrade Cash Rewards Visa® also earns a solid 1.5% cash back on purchases. Still ...

This card, which comes with an annual fee of $0, offers a top-notch 2% cash back on all purchases. You get 1% cash back when you make a purchase, and the other 1% cash back when you pay it off.