With no rotating categories and a relatively high
flat reward rate of 1.5 percent on all purchases, Chase Freedom Unlimited ® is a no - brainer for people who appreciate simplicity in their spending.
With the Ink Business Preferred, Chase is paying out
a flat reward rate of 3 UR points per $ 1 on the first $ 150,000 spent on the following categories:
That means this card carries
a flat rewards rate of 2 %, with miles redeemable toward eligible travel - related purchases made in the last 90 days or toward travel purchases made through the Capital One portal.
This Discover It has a similar rewards structure to the Venture card: you can redeem miles for travel statement credit (at a rate of 1 cent per mile), meaning you'll get
a flat rewards rate of 3 % the first year and 1.5 % each year after that.
That means this card carries
a flat rewards rate of 2 %, with miles redeemable toward eligible travel - related purchases made in the last 90 days or toward travel purchases made through the Capital One portal.
This Discover It has a similar rewards structure to the Venture card: you can redeem miles for travel statement credit (at a rate of 1 cent per mile), meaning you'll get
a flat rewards rate of 3 % the first year and 1.5 % each year after that.
Not exact matches
Flat -
rate rewards cards — which offer the same
rewards rate on every purchase — are also very common, constituting 13 out
of the 40 cards in our review set.
It offers
flat rate cash back on all purchases
of 1 %, with the potential for 1.25 % in
rewards if the cardholders pay on time.
Though the
flat 2x mileage
rate with the Capital One ® Venture ®
Rewards Credit Card is right in line with, or better than, many of its competitors, the card doesn't feature any further r
Rewards Credit Card is right in line with, or better than, many
of its competitors, the card doesn't feature any further
rewardsrewards.
With a
flat reward rate, you'll earn a specific number
of rewards for every dollar you spend.
People with lower credit scores won't be completely cut off from earning cash back, but should expect lower -
rate cash
rewards programs in the range
of 1 % to 1.5 % for a
flat -
rate card.
Flat rate cash
rewards cards are making a bit
of comeback right now.
No matter where you spend most
of your money, you should try to get a credit card that gives a good
flat rate of rewards, no matter where it is used.
The Capital One ® VentureOne ®
Rewards Credit Card is designed somewhat differently with a flat rewards rate structure of 1.25 miles per dollar spent on all cate
Rewards Credit Card is designed somewhat differently with a
flat rewards rate structure of 1.25 miles per dollar spent on all cate
rewards rate structure
of 1.25 miles per dollar spent on all categories.
The whole point
of a
flat -
rate cash - back card,
of course, is to increase your
rewards earnings across the board, not just in one category.
And there's no reason you couldn't use both types
of cards: a
flat -
rate card for everyday purchases, and a card with tiered
rewards for purchases within a certain category.
You'll earn a
flat 2 %
rewards rate on every dollar
of net spending.
The closest
flat rate no - annual - fee travel
rewards card is the VentureOne ® Rewards Credit Card, which offers a lower rewards rate of 1.25 % on travel ex
rewards card is the VentureOne ®
Rewards Credit Card, which offers a lower rewards rate of 1.25 % on travel ex
Rewards Credit Card, which offers a lower
rewards rate of 1.25 % on travel ex
rewards rate of 1.25 % on travel expenses.
You'll either receive a percentage
of your purchase deposited into your account, or a
flat -
rate reward (it depends on the retail partner).
It offers
flat rate cash back on all purchases
of 1 %, with the potential for 1.25 % in
rewards if the cardholders pay on time.
Also a
flat -
rate cash
rewards card with no annual fee, the Wells Fargo Cash Wise competes against the likes
of Chase's Freedom Unlimited ® card.
If you're a one - credit - card type
of entrepreneur, a
flat -
rate card like this will likely offer better long - term value than a tiered
rewards card.
Some cards offer a
flat rate for all types
of purchases, other cards have a tiered
reward rate that might pay 5 % for gas but only 1 % on everything else.
Many cash back credit cards have a
flat cash back
rewards rate of 1 % or 1.5 %, although, a few pay 5 % on rotating spending categories throughout the year.
Prior to the launch
of this card, the best
rate you could get on these purchases was with The Business Gold
Rewards Card from American Express OPEN and a Capital One ®
flat -
rate 2 % cash back card — but those come with an annual fee.
Shopping at Walmart and Sam's Club is better done with a
flat rate 2 % cash back credit card, since those are some
of the only credit cards to provide
rewards above 1 % at wholesale stores like these.
Otherwise, the
flat 1 %
rate on all purchases
of the Journey ® Student
Rewards from Capital One ®, when coupled with the potential 25 % bonus, is the better deal.
There are only three other credit cards that offer an unlimited and
flat -
rate rewards rate of this caliber.
Instead
of giving users a
flat 2 %
rewards rate on all spending, the Chase Sapphire Preferred ® Card gives different
rewards on Travel / Dining and regular spending.
The Fidelity Investment
Rewards card is our favorite no - fee cash back credit card for delivering the highest
flat rate cash back
of 2 % on all net spending.
One
of the major pluses
of the Venture card offering is the category neutral
rewards structure, 2 miles on everything equating to a
flat 2 %
rewards rate.
Unlike the
flat rate structure
of the Amex and Capital One offerings, the Barclays Arrival ™ World MasterCard ®
rewards you with 1 point on most spending and double points on specific categories.
The top dog
of initial bonuses also has one
of the best
flat -
rate cash back
rewards percentages: that's right, the Capital One Spark Cash credit card not only offers 2 % unlimited cash back but a giant one - time $ 500 bonus when you hit the spending requirement.
As with all tiered
rewards cards, it's important to see if the card's bonus categories fit your spending patterns — you may find that a
flat -
rate card or a card that offers bonuses in different spending categories gives you a higher average
rate of cash back.
In fact, if you're looking for a
flat -
rate, unlimited cash back
rewards program, 2 % is the cream
of the crop — and it can only be found with a handful
of issuers for consumer and business credit cards.
Similar to other credit card
rewards, most travel
rewards credit cards allow you to earn unlimited,
flat -
rate points or miles on every purchase, and a variety
of cards also offer bonus points or miles for purchases in specified categories.
While, generally speaking, the DBS Altitude offers a consistent, but relatively low
flat rate reward for everything you spend your money on (1.2 miles per S$ 1 spent locally, 2 miles per S$ 1 spent overseas, 3 miles per S$ 1 spent on online bookings), the HSBC Revolution particularly
rewards those who spend heavily in the categories
of dining, entertainment and online shopping.
The Citi ® Double Cash Credit Card has a
flat rewards rate back on all spending — regardless
of category.
Also, if you don't want to deal with keeping track
of rotating
rewards, a
flat -
rate cash back balance transfer card may be better suited to your spending.
With the announcement
of the Chase Freedom Unlimited, the bank is throwing its hat into the ring in a somewhat late round -
flat rate reward credit cards have been around for over 4 years.
If your spending is more varied, or if you have significant expenses elsewhere, then the
flat 1.5 %
rewards rate of the Platinum Cash Rewards NASA credit card will serve you
rewards rate of the Platinum Cash
Rewards NASA credit card will serve you
Rewards NASA credit card will serve you better.
Wyndham
Rewards — Last month, Wyndham announced a complete overhaul
of its
Rewards program, including a new
flat redemption
rate of 15,000 points per night across all properties, with no blackout dates.
Since it's a
flat rate reward, UOB One makes more sense than UOB Delight for people who have a sizable and diversified expense basket outside
of groceries.
Others earn unlimited
flat -
rate rewards on every dollar you spend, regardless
of the category.
The Cash Wise is very similar to the Chase Freedom Unlimited and the Capital One Quicksilver in terms
of its usual
flat rewards rate (1.5 %), but where it differs is in the much more valuable sign - up bonus and extra kicker for mobile wallet purchases.
A number
of cash back cards will offer
flat -
rate rewards on every purchase (including gas) equal to those offered on gas by the Shell card, and bonus category cards can offer up to 5 % cash back on gas.
Some offer a
flat rewards rate and others vary cash back
rates with the type
of purchase or the time
of year.
It has a
flat 1.5 %
rewards rate, no annual fee, and a $ 150 bonus if you spend $ 500 in the first three months on any type
of purchase.
For those
of us who don't want to think about our shopping
rewards, some travel and cashback cards
reward at a
flat rate for all spending.
Other travel
rewards cards also give a
flat earning
rate across all categories, but their
rewards are used for travel instead
of standard cash - back.