Home › Credit cards › Flat-Rate Rewards Credit Cards
💳 Credit cards
Flat-Rate Rewards Credit Cards
Cards that pay the same rewards rate on all purchases, with no categories to track or activate.
Terms checked 30 September 2026 · read from issuer pages7Cards compared
5No annual fee
8Issuers
9Card types
📬21 daysMinimum to pay the bill
🔔45 daysNotice of rate rises
💳COMPARE SMARTER
🆓5No-annual-fee cards
🏛️8Issuers compared
| Card | Annual fee | Top rewards | Sign-up offer | APR | Foreign fee |
|---|---|---|---|---|---|
| Bank of America® Travel Rewards Credit Card Bank of America · as of September 30, 2026 | $0 | Unlimited 1.5 points — Every $1 spent on everyday purchases | 25,000 online bonus points (worth a $250 statement credit) after at least $1,000 in purchases in the first 90 days | 17.49% – 27.49% variable (after intro period) | None |
| Bank of America® Unlimited Cash Rewards Credit Card Bank of America · as of September 30, 2026 | $0 | Unlimited 1.5% cash back — Every purchase | $250 cash rewards bonus after at least $1,000 in purchases within the first 90 days | 17.49% – 27.49% variable (after intro period) | See issuer |
| Capital One Quicksilver Cash Back Credit Card Capital One · as of September 30, 2026 | $0 | 1.5% cash back — Every purchase | $200 cash bonus (see issuer for the spending requirement) | 18.49% – 28.49% variable (after intro period) | None |
| Capital One Venture Rewards Credit Card Capital One · as of September 30, 2026 | $95 | 5X miles — Hotels, vacation rentals and rental cars booked through Capital One Travel | 75,000 bonus miles after you spend $4,000 within the first 3 months from account opening | 19.49% – 28.49% variable | None |
| Capital One Venture X Rewards Credit Card Capital One · as of September 30, 2026 | $395 | 10X miles — Hotels and rental cars booked through Capital One Travel | See issuer | 19.49% – 28.49% variable | None |
| Citi Double Cash® Card Citi · as of September 30, 2026 | $0 | 2% cash back — Every purchase (1% when you buy + 1% as you pay) | See issuer | 17.49% – 27.49% variable, based on creditworthiness | 3% of the U.S. dollar amount of each purchase |
| Wells Fargo Active Cash® Card Wells Fargo · as of September 30, 2026 | $0 | 2¢ (2%) cash rewards — Every $1.00 of net purchases | $200 cash rewards bonus after at least $500 in net purchases within 3 months of opening | 18.74%, 24.74% or 28.74% variable (after intro period) | 3% of each transaction converted to U.S. dollars |
What to look for
- Compare the flat rate and whether rewards are cash back or points.
- Check the annual fee against the rewards you would earn on your yearly spending.
- Look for any redemption minimums or restrictions.
Cards are listed alphabetically, not ranked. See all cards.
Figures come from each issuer’s page (see the card page for the source link) and were checked on the date shown. Offers, rates and eligibility change often and the issuer’s terms control. “See issuer” = not shown on the issuer page we read. FinancePortal is not a card issuer and does not receive payment for the order of this list.