While the card's 1 % cash back awards on most spending is definitely less than you would earn
with flat rate cash back cards like the Capital One ® Quicksilver ® Cash Rewards Credit Card or Fidelity Investment Rewards, it really doesn't take much spending in the bonus categories to come out ahead overall.
If you'd rather not have to bother remembering to do that, you might be better off
with a flat rate cash back card.
While the card's 1 % cash back awards on most spending is definitely less than you would earn
with flat rate cash back cards like the Capital One ® Quicksilver ® Cash Rewards Credit Card or Fidelity Investment Rewards, it really doesn't take much spending in the bonus categories to come out ahead overall.
Not exact matches
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.
Finally, there are
cash back cards
with a
flat rate of return, and those
with rotating bonus categories.
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.
The
Cash + Credit Card comes
with an introductory balance transfer APR
flat rate of 0 %, but after twelve months, this
rate increases to some value between 13.24 % and 23.24 %.
There is only one
flat cash back
rate when making purchases
with the CashForward ™ MasterCard ®.
The Barclaycard CashForward ™ World Mastercard ® is a solid cashback card
with additional perks you won't find on many other cards —
with the higher than average 1.5 %
flat cash back
rate, the jaw - dropping $ 200 sign - up bonus after spending just $ 1,000 within the first 90 days, and the 5 % rewards redemption bonus being the most attractive.
1.5 is the number to remember;
with this card, every single purchase will earn you a
flat rate of 1.5 %
cash back.
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 ® c
cash rewards card
with no annual fee, the Wells Fargo
Cash Wise competes against the likes of Chase's Freedom Unlimited ® c
Cash Wise competes against the likes of Chase's Freedom Unlimited ® card.
The reward
rates on credit card charges
with the SKYPASS Signature version can climb up to 1.5 %, which is the same as a decent
flat -
rate cash back card such as the Capital One ® Quicksilver ® Cash Rewards Credit C
cash back card such as the Capital One ® Quicksilver ®
Cash Rewards Credit C
Cash Rewards Credit Card.
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.
Generally, earning rewards above 2 % is considered above average, since that is the
rate you can get on all purchases
with a decent
flat rate cash back card, such as the Citi Double C
cash back card, such as the Citi Double
CashCash.
You could get more value by pairing one of these
with a
flat -
rate cash - back card that pays 2 % for all purchases.
With no such features appearing with Fidelity Investment Rewards, we recommend the Citi ® Double Cash Credit Card as the go to flat rate cash back credit c
With no such features appearing
with Fidelity Investment Rewards, we recommend the Citi ® Double Cash Credit Card as the go to flat rate cash back credit c
with Fidelity Investment Rewards, we recommend the Citi ® Double
Cash Credit Card as the go to flat rate cash back credit c
Cash Credit Card as the go to
flat rate cash back credit c
cash back credit card.
This
flat rate cash back card has no annual fee and comes
with a 0 % intro APR for 15 months from account opening on purchases and balance transfers, after which a regular 16.49 % - 25.24 % variable APR applies.
The U.S. Bank
Cash 365 ™ American Express ® Card awards a flat rate of 1.5 % cash back on purchases made with the c
Cash 365 ™ American Express ® Card awards a
flat rate of 1.5 %
cash back on purchases made with the c
cash back on purchases made
with the card.
At that point, you would be getting a better deal by shopping
with a
flat rate 2 %
cash back card, such as the Citi ® Double Cash Credit C
cash back card, such as the Citi ® Double
Cash Credit C
Cash Credit Card.
You can earn a
flat rate of
cash back for all your purchases with the Capital One Spark Cash for Business C
cash back for all your purchases
with the Capital One Spark
Cash for Business C
Cash for Business Card.
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.
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.
Again, sticking
with a card that has a
flat cash back
rate may be simpler if you don't want the added hassle.
«If paired
with the Chase Sapphire Preferred The Freedom Unlimited has the potential to be the best
flat -
rate cash back card.»
Cash Advances: A credit card company can offer a teaser
rate coupled
with a
flat fee.
With check
cash advances, it may range from 18.24 % to 25.24 %, while a bank
cash advance is a
flat rate of 25.24 % (variable).
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.
For
Flat Rate Cash Back: If you pay your bills on time and always pay the full amount, you could get more cash back with Citi Double C
Cash Back: If you pay your bills on time and always pay the full amount, you could get more
cash back with Citi Double C
cash back
with Citi Double
CashCash.
With no fee
flat rate rewards cards like the Capital One ® Spark ®
Cash Select offering 1.5 % back, you'll need to only spend about $ 2700 dollars in the 5x categories to more than make up for the $ 95 annual fee on the Ink Bold.
The Ink Business Unlimited ℠ Credit Card's uncapped 1.5 %
cash back rate on all purchases puts it with the Capital One ® Spark ® Cash Select for Business, as one of the best no - annual - fee flat - rate cash back business credit ca
cash back
rate on all purchases puts it
with the Capital One ® Spark ®
Cash Select for Business, as one of the best no - annual - fee flat - rate cash back business credit ca
Cash Select for Business, as one of the best no - annual - fee
flat -
rate cash back business credit ca
cash back business credit cards.
This effectively increases this card's rewards
rate from 1.5 % to 1.875 %, making it the best
flat -
rate cash back business card
with no annual fee.
With cash advances, the fee is 5 % or $ 10, and foreign transactions hold a flat rate 3 % fee with each transact
With cash advances, the fee is 5 % or $ 10, and foreign transactions hold a
flat rate 3 % fee
with each transact
with each transaction.
With a solid 1.5 %
cash back on all purchases, the Chase Freedom Unlimited is one of the best
flat -
rate cash back cards out there.
Pair this card
with a
flat -
rate cash back card or a travel rewards card, and you'll have a winning wallet.
Some offer a
flat rewards
rate and others vary
cash back
rates with the type of purchase or the time of year.
Cash back cards survey: Complex is out, simple is in —
Flat -
rate offers now outnumber cards
with tiered paybacks, a new CreditCards.com survey finds... (See
Cash back)
But you may want to consider using a
flat -
rate card and a card
with higher rewards
rates on rotating categories... (See
Cash back)
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 Quicksilver card from Capital One combines a
flat cash back
rate of 1.5 percent
with a meaty sign - up bonus, and also comes
with a slew of features — including no foreign transaction fees — for an all - around great value as a no - annual - fee card.
Every
cash back cards offers a base
rate — a
flat percentage of
cash back on all qualifying purchases —
with 1 percent base
rate being the norm and 2 percent a rare exception.
Bottom Line: The Chase Freedom Unlimited ® competes
with many other
cash - back and
flat earnings
rate cards out there.
One well - known business reward card
with a high
flat rate is the Capital One Spark
Cash for Business (annual fee: $ 59, waived first year), which offers 2 percent back on everything
with no cap.
If a large part of your budget isn't devoted to gas and restaurants, you may be able to earn more
cash back
with the
flat rate on these cards.
With flat -
rate cash back credit cards, every purchase earns the same percentage
cash back.
If you would rather streamline the cards in your wallet, you're better off
with a simpler
flat rate card, such as the Citi Double
Cash card.
With a
flat rate of 1.5 percent
cash back on all your purchases, a generous sign - up bonus and a special bonus for mobile payments in the first year, the Wells Fargo Cash Wise card is especially awarding to new cardhold
cash back on all your purchases, a generous sign - up bonus and a special bonus for mobile payments in the first year, the Wells Fargo
Cash Wise card is especially awarding to new cardhold
Cash Wise card is especially awarding to new cardholders.
The Chase Freedom Unlimited card comes
with a
flat rate of 1.5 percent
cash back for all purchases, which beats the standard 1 percent
rate that most cards offer.