Everyone likes earning cash back on their credit card purchases. Everyone wants to earn has much cash back as possible, but let’s be honest: Not everyone likes jumping through tiers, spending caps and categories hoops to maximize your cash-back rewards with some cards.
That’s the beauty of flat-rate cash back rewards. Every qualifying purchase you make earns you the same rate. It’s easy to keep track of.
So, you’ve set your sights on a flat-rate cash back credit card, but which one? There are several factors to take into consideration beyond just the rate being offered (generally between 1% and 2.5%). You’ll want to look at the interest rate (APR) charged by the card, annual and other fees (late payment, foreign transaction, etc.), as well as any introductory bonuses, rate incentives and intro APR offers.
It’s a lot to digest. Fortunately, our editors have culled through the cards on the market and compiled a list of some top flat-rate cash back cards to consider.
Best overall flat-rate cash back
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