While most cash back cards will offer
an unlimited flat rewards rate, usually 1 % to 2 % on all purchases, some cards will also offer a higher rewards rate for purchases made in specific bonus categories.
Not exact matches
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.
There are only three other credit cards that offer an
unlimited and
flat -
rate rewards rate of this caliber.
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.
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.
Indeed, while not as sought - after an applicant as someone with a well - established credit history, the
rewards options for students are still quite competitive, with cards offering both
unlimited flat -
rate rewards, as well as some options for bonus category
rewards, as well.
Not only do most business
rewards cards provide
unlimited flat -
rate rewards, but many also offer business - centric bonus categories to
reward you for the things you buy most.
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.
As with cash back
rewards, most
rewards points credit cards will provide an
unlimited flat rate on all purchases, typically 1X point per $ 1, as well as offering bonus points on purchases made in specific categories.
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.
Others earn
unlimited flat -
rate rewards on every dollar you spend, regardless of the category.
The Chase Freedom
Unlimited card offers a 1.5 %
flat -
rate cash back on every purchase and ranks among our favorite picks due to its high
rewards value and flexibility in redeeming cash back.
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.
With most
rewards programs, cardholders earn
unlimited rewards at a low
flat rate, while some programs will also provide bonus
rewards for purchases made in specific categories, like gas or office supplies.
For more general spending, a
flat -
rate unlimited rewards card may be best.
Otherwise, a
flat -
rate unlimited rewards credit card can help you earn
rewards on every purchase without any categories to remember.
Want
unlimited flat -
rate rewards without having to worry about rotating categories?
Our calculations show that the average cardholder is likely to earn more
rewards with the
flat 1.5 percent cash back
rate on the Chase Freedom
Unlimited card than with the 5 percent bonus categories on the Chase Freedom card:
The best
flat -
rate cash back cards include the Citi Double Cash (earning 2 percent back on all spending) and Capital One Quicksilver Cash
Rewards and Chase Freedom
Unlimited (both earning 1.5 percent on everything).
The Chase Freedom
Unlimited card offers a good sign - up bonus and a
flat 1.5 percent cash back
rate on general purchases for cardholders who want to keep things simple, plus it's a great starter card for collecting Chase Ultimate
Rewards.
The Chase Freedom
Unlimited is a
flat rate rewards card that earns 1.5 % on each purchase.
Indeed, while not as sought - after an applicant as someone with a well - established credit history, the
rewards options for students are still quite competitive, with cards offering both
unlimited flat -
rate rewards, as well as some options for bonus category
rewards, as well.
If your spending is more varied, an
unlimited flat -
rate rewards card may prove the most valuable.
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.
As with cash back
rewards, most
rewards points credit cards will provide an
unlimited flat rate on all purchases, typically 1X point per $ 1, as well as offering bonus points on purchases made in specific categories.
As with other
rewards cards, those offering travel
rewards provide only
unlimited flat -
rate rewards for all purchases or additional bonus
rewards for purchases in predetermined 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.
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.
Instead of bonus
rewards on certain purchases, Freedom
Unlimited offers a higher
flat -
rate rewards percentage.
One of the best cash back
rewards cards on the market is the Chase Freedom credit card, which combines
flat rate unlimited cash back, with bonus
rewards that are available in a different category each quarter — including gas stations, restaurants, and wholesale clubs.
For non-category purchases or a
rewards card that doesn't require remembering categories, go with a
flat -
rate unlimited cash back card.
The actual amount of
rewards you earn per $ 1 spent will vary based on the card you use, but the
rewards structure will likely follow one of two systems: a)
unlimited flat -
rate rewards on every purchase or, b) scaling
rewards that vary based on the category of the purchases.
The way you earn those
rewards can also vary, with two main earnings formats:
unlimited flat -
rate rewards and bonus category
rewards.
Unlimited flat -
rate rewards are what they sound like, a single
flat rewards rate for all card purchases, with no limit on how much you can earn.
But if your spending doesn't fit any particular pattern, the
unlimited flat - rate rewards of the Freedom Unlimited ® may be your most valuable Chase rewards c
unlimited flat -
rate rewards of the Freedom
Unlimited ® may be your most valuable Chase rewards c
Unlimited ® may be your most valuable Chase
rewards card pick.
With most
rewards programs, cardholders earn
unlimited rewards at a low
flat rate, while some programs will also provide bonus
rewards for purchases made in specific categories, like gas or office supplies.
The first and most basic is an
unlimited flat -
rate rewards program, in which cardholders earn the same amount of cash back on every purchase with no limit.
Since the
flat -
rate rewards of the Freedom
Unlimited are, well, unlimited, the card can be a good choice for those who don't make a lot of purchases in common bonus categories or who are looking for a higher flat rate on non-category p
Unlimited are, well,
unlimited, the card can be a good choice for those who don't make a lot of purchases in common bonus categories or who are looking for a higher flat rate on non-category p
unlimited, the card can be a good choice for those who don't make a lot of purchases in common bonus categories or who are looking for a higher
flat rate on non-category purchases.
As with cash back
rewards, travel
rewards come as either single,
unlimited flat -
rate rewards, or as bonus
rewards for category - specific purchases.
Additionally, if you're the type who wants maximum
rewards and is willing to think through the strategy a bit, Discover it ® - Cashback Match ™ pairs well in your wallet with a
flat -
rate, no annual fee credit card like Chase Freedom
Unlimited ®.
When it comes to comparing cash back offers, the main factor to consider is the nature of the cash back program; you'll need to decide whether you want your cash back to be an
unlimited flat rate, or if you want to receive bonus cash back
rewards for spending in specific categories.
This card also lets you earn an
unlimited flat rate of 1.5 % cash
rewards on everyday purchases.
For example, some cards will offer
flat -
rate rewards on every purchase, such as the
unlimited 1.5 % cash back provided by the Capital One ® Spark ® Cash Select for Business.
You can choose between cards that provide
unlimited flat -
rate rewards or opt for bonus
rewards in yearlong or rotating categories.
Capital One ® Venture ®
Rewards Credit Card — The best
flat -
rate travel card gives you an
unlimited 2 miles per dollar on all purchases, redeemable for any travel expense, and a great sign - up bonus for an annual fee of $ 0 for the first year, then $ 95.
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.