A new tally from Consumer Reports has named the nation’s top three cash-back credit cards.

The November 2012 issue of Consumer Reports lists Fidelity Rewards American Express as just about the best card out there. There’s no annual fee, and you get 2 percent straight cash back, no games and no gimmicks.

This could be a good place to look if you’re a refugee from the defunct 2 percent cash-back Charles Schwab credit card. With the Fidelity card, you can either take the cash, or the money can be deposited into a Fidelity IRA, 529 college-savings plan, or brokerage account.

Next on the Consumer Reports list is American Express Blue Cash Preferred. This card has an annual fee of $75, and it’s skewed to favor those who spend heavily on groceries and gas.

If you don’t want an AMEX, the third contender here is the Capital One Cash Rewards card, which effectively gives you 1.5 percent back on all purchases. And if you travel overseas, this card has no foreign currency transaction fee.

What’s missing from the Consumer Reports list is the very popular Starwood hotel chain American Express card.

Yet I love the idea of you having a short list like this to work from. You can earn up to $1,000 or more a year on credit card purchases if you’re a high volume charger.

Of course, cash-back cards work best for those who always pay their bill off in full every single month. If you tend to carry a balance, try a credit card from a credit union because they typically have lower interest rates.

Meanwhile, if you want to drill down to your specific spending pattern in your search for a cash-back card, try using CreditCardTuneUp.com. You put in your exact charge pattern, and the website will pop up your best choices.