Best flat-rate cash back credit cards

cash back credit cards

When it comes to managing your finances, simplicity is key. And this is especially true when it comes to using cash back credit cards. Cash back credit cards offer cash rewards on your spending, making them a popular choice among consumers. In this article, we will discuss the benefits of using cash back credit cards and highlight some of the best flat-rate cash back cards on the market.

Flat-rate cash back cards offer one of the simplest credit card rewards structures available. While every cash rewards program varies, most flat-rate cash back cards offer the same rate of cash back, generally from 1 to 2 percent, on every purchase made with the card. This makes it easy to earn rewards on a variety of purchases without having to keep track of specific spending categories. You simply swipe and earn.

One of the best flat-rate cash back cards on the market is the Alliant Visa Signature Card. This card offers the highest cash back rate, up to 2.5 percent, on your first $10,000 of qualifying eligible purchases. After that, you earn unlimited 1.5 percent cash back. However, in order to earn the 1.5 percent cash back after your first $10,000 in purchases, you must have a checking account with Alliant and meet certain requirements. This card also comes with great perks such as roadside assistance, travel accident insurance, and personal identity theft protection.

Another great flat-rate cash back card is the Citi Double Cash Card. This card offers 1 percent cash back when you make a purchase and an additional 1 percent cash back when you pay off those purchases. This makes it a great option for people who pay their balance in full every month. The card also has a 0 percent introductory APR offer on balance transfers for 18 months, making it a good choice for those looking to pay down existing debt.

For those who are looking to build their credit, the Capital One QuicksilverOne Cash Rewards Credit Card is a great option. This card is designed for credit builders and offers 1.5 percent cash back on every purchase. It also provides free access to your credit score and tools to help you monitor it. Additionally, the card may allow for an increase in your credit limit after six months of on-time payments.

Lastly, the Wells Fargo Active Cash Card is a great choice for those who want a simple cash back card without quarterly spending categories. This card offers 2 percent cash rewards on purchases with no cap on how much you can earn. It also comes with an introductory bonus of $200 if you spend $500 within three months of account opening.

When choosing a flat-rate cash back card, it’s important to consider factors such as the cash back rate, annual fees, and any additional perks or benefits offered by the card. It’s also important to evaluate your own spending habits and determine which card aligns best with your needs. By choosing the right flat-rate cash back card, you can earn rewards on your everyday purchases and simplify your financial management.

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