Lisa Cahill, Credit Cards Moderator
@lisacahill
The best flat-rate cash back credit card is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on purchases. Plus, it gives an initial bonus of $200 cash rewards after spending $500 on purchases in the first 3 months. Wells Fargo Active Cash comes with a $0 annual fee, too.
The Wells Fargo Active Cash® Card is also a great card for avoiding interest initially, offering an intro APR of 0% for 12 months from account opening on qualifying balance transfers on purchases and qualifying balance transfers. The card has a regular APR of 18.74%, 24.74%, or 28.74% Variable and a balance transfer fee of 3% intro for 120 days from account opening, then up to 5% (min $5). Just note that you normally need good credit or better for approval.
Best Flat-Rate Cash Back Credit Cards
- Rates & Fees Overall: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Overall: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Overall: Wells Fargo Active Cash® CardLearn MoreLearn More
- Rates & Fees Rewards & Transfers: Citi Double Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Rewards & Transfers: Citi Double Cash® CardLearn MoreLearn Moreon issuer's website
- Rewards & Transfers: Citi Double Cash® CardLearn MoreLearn More
- Military Community: Navy Federal Credit Union cashRewards Plus Credit CardLearn MoreLearn More
- Military Community: Navy Federal Credit Union cashRewards Plus Credit CardLearn MoreLearn Moreon issuer's website
- Military Community: Navy Federal Credit Union cashRewards Plus Credit CardLearn MoreLearn More
- Rates & Fees Fair Credit: Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Rates & Fees Fair Credit: Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Fair Credit: Upgrade Cash Rewards Visa®Learn MoreLearn More
- Bad Credit: Bank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
- Bad Credit: Bank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn Moreon issuer's website
- Bad Credit: Bank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
- Rates & Fees Business: Capital One Spark Cash PlusLearn MoreLearn Moreon issuer's website
- Rates & Fees Business: Capital One Spark Cash PlusLearn MoreLearn Moreon issuer's website
- Business: Capital One Spark Cash PlusLearn MoreLearn More
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- Rewards & Transfers:
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These cards generally offer cash back at an above-average rate on every purchase and don’t have spending categories that earn more or less rewards than others. Some of the cards require good credit or better for approval. But people with lower scores have options, too.
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Popular Cash Back Credit Cards from Our Partners
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Everyday Cash Back
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Bonus Rewards
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No Annual Fee
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Fair Credit
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Cash back cards are worth it because they can save you around 1% - 8% on every purchase that you make. As long as you pay off your balance in full each month and the annual fee does not offset the rewards you earn, cash back credit cards can help you save money.
Notable Cash Back Credit Cards
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