At a Glance

Step into the realm of rewards without the hassle of tracking numerous spending categories. Cash back credit cards have become a popular choice for smart shoppers seeking straightforward and consistent rewards. Among the sea of options, it’s the cream of the crop in flat rate cash back cards that truly shine. These exceptional cards offer a straightforward cash back rate on every single purchase, making it effortless to earn and maximize your rewards. Whether you’re a credit-savvy individual, an adventure lover, or simply someone who values the allure of cold, hard cash, we’ve carefully selected the best flat rate cash back credit cards that are sure to grab your attention.

Comparing the best flat-rate cash back credit cards

Travel Credit Card Benefits for Travelers Welcome Offer Annual Fee APR Credit Needed
Capital One QuicksilverOne Cash Rewards Credit Card

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1.5% cash back on every purchase No welcome offer $39 29.99% (Variable) Average/Fair
Chase Freedom Unlimited®

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1.5% cash back on all purchases; 3% cash back on dining and drugstore purchases; 5% cash back on travel purchased through Chase Ultimate Rewards; 5% cash back on Lyft purchases (through March 31, 2025) No signup bonus $0 19.74% – 28.49% Variable Excellent/Good
Wells Fargo Active Cash Card

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Unlimited 2% cash rewards on all purchases $200 cash rewards bonus after spending $500 within the first three months of account opening $0 19.99% – 29.99% Variable Excellent/Good
American Express Cash Magnet® Card

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Unlimited 1.5% cash back on all purchases Earn $150 statement credit after spending $1,000 in the first three months of account opening $0 18.49% – 29.49% Variable Good/Excellent
Citi® Double Cash Card

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Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases No signup bonus $0 18.99% – 28.99% Variable Excellent/

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A closer look at the best flat-rate cash back cards

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Card

Rewards rate: Earn unlimited 1.5% cash back on every purchase, every day.

Annual fee: $39

Intro APR: N/A

Regular APR: 29.99% (Variable)

Signup bonus: N/A

Our verdict: The Capital One QuicksilverOne Cash Rewards Credit Card is one of the best flat rate cash back credit cards, especially for credit builders. It offers a straightforward rewards program with 1.5% cash back on all purchases. The card also provides tools to help you monitor and improve your credit, with the opportunity for a credit line increase after six months of on-time payments.

Pros:

  • 1.5% unlimited cash back on all purchases.
  • Consideration for a higher credit line after six consecutive months of on-time payments.
  • No penalty APR.
  • Free access to credit score with CreditWise.

Cons:

  • High regular APR (29.99% variable APR).
  • $39 annual fee.

Apply now: Capital One QuicksilverOne Cash Rewards Credit Card

Chase Freedom Unlimited®

Chase Freedom Unlimited

Rewards rate: 1.5% cash back on all purchases; 3% cash back on dining and drugstore purchases; 5% cash back on travel purchased through Chase Ultimate Rewards; 5% cash back on Lyft purchases (through March 31, 2025).

Annual fee: $0

Intro APR: 0% Intro APR on Purchases for 15 months; 0% Intro APR on Balance Transfers for 15 months.

Regular APR: 19.74% – 28.49% variable.

Signup bonus: N/A

Our verdict: The Chase Freedom Unlimited® is a standout and best flat rate cash back credit card that offers a competitive flat 1.5% cash back on all purchases, making it an excellent choice for those who prefer simplicity. With no annual fee and the potential for increased redemption value on travel purchases through Chase Ultimate Rewards, this card provides great value. Additionally, the boosted rewards rates on dining, drugstore purchases, travel, and Lyft purchases further enhance its appeal.

Pros:

  • Solid cash back rates on all purchases.
  • Enhanced rewards for dining, drugstore purchases, travel, and Lyft purchases.
  • No annual fee.
  • Introductory 0% APR on purchases and balance transfers.
  • Flexible redemption options for cash back.

Cons:

  • Variable APR can be high for those carrying a balance.
  • Limited time offer for increased cash back on Lyft purchases.
  • Cash back rewards must be redeemed through Chase Ultimate Rewards platform.

Apply now: Chase Freedom Unlimited®

Wells Fargo Active Cash Card

Wells Fargo Active Cash Card

Rewards rate: Unlimited 2 percent cash rewards on all purchases.

Annual fee: $0

Intro APR: 0 percent intro APR for 15 months on purchases and qualifying balance transfers made in the first 120 days (then 19.99 percent, 24.99 percent, or 29.99 percent variable APR).

Regular APR: 19.99 percent, 24.99 percent, or 29.99 percent variable APR.

Signup bonus: $200 cash rewards bonus after spending $500 within the first three months of account opening.

Our verdict: The Wells Fargo Active Cash® Card is exceptional and one of the best flat-rate cash-back credit cards for those seeking simplicity and high rewards. With a flat 2% cash rewards rate on all purchases and no need to track or activate spending categories, it offers straightforward earning potential. The card also provides valuable benefits such as a 0% intro APR, cellphone insurance, extended warranty protection, and flexible redemption options.

Pros:

  • Generous unlimited 2% cash rewards on all purchases.
  • Introductory 0% APR on purchases and qualifying balance transfers.
  • Valuable perks including cellphone insurance and extended warranty protection.
  • Flexible redemption options for cash rewards.
  • No annual fee.

Cons:

  • Cannot transfer rewards to travel partners.

Apply now: Wells Fargo Active Cash® Card

More: Wells Fargo Active Cash® Card Review

American Express Cash Magnet® Card

American Express Cash Magnet Card

Rewards rate: Unlimited 1.5% cash back on all purchases.

Annual fee: $0

Intro APR: 0% for 15 months on purchases and 0% for 15 months on balance transfers.

Regular APR: 18.49% – 29.49% variable.

Signup bonus: Earn $150 statement credit after spending $1,000 in the first three months of account opening.

Our verdict: The American Express Cash Magnet® Card is an excellent cash back credit card choice for individuals seeking a straightforward and reliable way to earn cash back on their spending. With a consistent 1.5% cash back rate on all purchases and no annual fee, this card offers simplicity and value. Additionally, the card provides a welcome offer of $150 statement credit and a 0% intro APR for 15 months on purchases and balance transfers, making it even more appealing.

Pros:

  • Unlimited 1.5% cash back on all purchases.
  • $150 statement credit welcome offer.
  • 0% intro APR for 15 months on purchases and balance transfers.
  • Rental car loss and damage insurance.
  • No annual fee.

Cons:

  • Variable APR after the introductory period.

Apply now: American Express Cash Magnet® Card

Citi® Double Cash Card

Citi Double Cash Credit Card

Rewards rate: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Annual fee: $0

Intro APR: 0% intro APR for 18 months on balance transfers (balance transfer fee applies).

Regular APR: 18.99% – 28.99% variable.

Signup bonus: N/A

Our verdict: The Citi® Double Cash Card is an excellent choice for individuals who want the best flat rate rewards credit card. With a unique rewards structure of earning 2% cash back on all purchases (1% when you buy and an additional 1% when you pay), this card offers a competitive cash back rate with no limits. Additionally, the 0% intro APR for 18 months on balance transfers is advantageous for those looking to pay down existing debt.

Pros:

  • Unlimited cash back on every purchase.
  • No category restrictions.
  • Flexible redemption options.
  • No annual fee.

Cons:

  • No sign-up bonus.
  • No intro APR offer does not apply to new purchases.

Apply now: Citi® Double Cash Card

How to choose a flat-rate cash back credit card?

When choosing the best flat-rate cash back credit cards, there are a few key factors to consider. First, look at the rewards rate offered by the card. A higher percentage means more cash back on your purchases. Next, consider any welcome offers available, such as bonus cash back or statement credits. These can provide an initial boost to your rewards. It’s also important to review the annual fee associated with the card. Ideally, you’ll want a card with no annual fee to maximize your earnings.

Additionally, pay attention to the APR, as a lower interest rate can save you money if you carry a balance. Finally, check the credit requirements to ensure you meet the card issuer’s criteria. By evaluating these factors and finding a card that aligns with your spending habits and financial goals, you can choose the best flat-rate cash back credit card for your needs.

Is a flat-rate cash back card right for you?

A flat rate cash back credit cards can be the right choice for many individuals. If you prefer simplicity and don’t want to deal with tracking rotating categories or limited-time offers, a flat-rate cash back card offers consistent rewards on all your purchases. It’s especially beneficial if your spending is spread across different categories.

Additionally, if you’re not a big spender or don’t want to pay an annual fee, a flat-rate cash back card with no fee can provide value without any additional costs. However, if you spend heavily in specific categories, you may benefit more from a card with higher cash back rates in those areas. Ultimately, it’s important to evaluate your spending habits, preferences, and financial goals to determine if a flat-rate cash back card aligns with your needs and maximizes your rewards.

Methodology

To determine if a flat-rate cash back card is right for you, consider your spending habits and preferences. Evaluate if you prefer simplicity over category tracking, and if your expenses are spread across various categories. Assess if you’re a low spender or want to avoid annual fees. If you heavily spend in specific categories, a card with higher cash back rates in those areas might be more suitable.

Additionally, review your financial goals and determine if a flat-rate cash back card aligns with maximizing your rewards. By considering these factors, you can make an informed decision on whether a flat-rate cash back card is the right choice for you.

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.