In the midst of all the credit card companies reducing people's limits, Charles Schwab and Fidelity Investments -- the Hatfields and McCoys of the investment world -- have 2 of the best credit card offers available.

Schwab got the ball rolling with a new Visa card that offers 2% cash back for every charge you make. There are no limits or caps; this is the real deal. The money gets deposited into your Schwab One investment account, but you can choose to just spend the cash instead of investing it if you wish.

The offering from Fidelity is slightly different. Their Fidelity Retirement Rewards American Express Card takes your 2% cash back and deposits it directly to your IRA or 529 plan.