5 top flat-rate cash back credit cards

Written by
Brooklyn Lowery
Terms apply; see the online credit card application for full terms and conditions of offers and rewards. Please note: Any balance transfer savings vary depending upon account usage and payment behavior.

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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Best with no foreign transaction fees

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Best for small business

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Best for fair credit

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Best for students

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Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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