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 ...

It isn’t a bad credit card overall, and honestly, 2% back on Costco purchases isn’t the worst deal you can find, but there are plenty of other cards that also earn 2% back (or more).