{"id":22804,"date":"2026-01-07T19:13:53","date_gmt":"2026-01-07T19:13:53","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22804"},"modified":"2026-01-07T19:13:56","modified_gmt":"2026-01-07T19:13:56","slug":"best-flat-rate-cash-back-credit-cards","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22804","title":{"rendered":"Best Flat-Rate Cash Back Credit Cards"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Carlina Teteris\/Getty Images\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<p>With so many rewards cards strategies to consider \u2014 like bonus categories, <u>travel points and miles valuations<\/u> and more \u2014 some cardholders opt to go the simpler route. A flat-rate cash back card lets you earn a consistent, unlimited rewards rate for every purchase you make. Redemption options are simple, too, usually in the form of a statement credit, direct deposit or gift card.<\/p>\n<p>Other cardholders pair a flat-rate <u>cash back card<\/u> with another bonus category rewards card. Their bonus category card might only offer 1 percent on non-bonus purchases, so they use a flat-rate card for those purchases instead to earn 1.5 or 2 percent. Here are a few of the best flat rates you\u2019ll find.<\/p>\n<h2 id=\"top-cards\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Top cards for flat-rate cash back\" data-outcome=\"\">Top cards for flat-rate cash back<\/h2>\n<div class=\"category-card-tile-list\">\n<div id=\"__next\">\n<div data-testid=\"category-product-box\">\n<div class=\"wrapper gutter lg:px-0 md:mt-10\">\n<div id=\"back-to-top-trigger\">\n<div id=\"card1\" class=\"rounded-lg border mb-8\" data-pid=\"7870\" data-testid=\"7870-category-product-box\">\n<div class=\"grid grid-cols-2 md:grid-cols-4 gap-4 p-4 md:p-6 justify-start align-items-center\">\n<div data-offer=\"regularAPR\" class=\"pb-2.5 md:pb-0 pt-2.5 md:pt-0 md:pl-6\">\n<p class=\"mb-0 mt-1 text-black font-bold text-lg leading-[100%]\">18.49%, 24.49%, or 28.49% Variable APR<\/p>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-b border-gray-200\" data-testid=\"7870-reward-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"reward-details\" aria-expanded=\"false\">\n<p>Reward Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"reward-details\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 list-none text-gray-800 text-sm\">\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">2%<\/span><span class=\"flex items-baseline\" data-testid=\"7870-reward-rate-0\">Earn unlimited 2% cash rewards on purchases<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-gray-200\" data-testid=\"7870-pros-cons\">\n<div class=\"Accordion-item border-gray-200 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6 hover:bg-white\" aria-controls=\"pros-cons\" aria-expanded=\"false\">\n<p><span>Bankrate\u2019s view<\/span><\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"pros-cons\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<div class=\"grid grid-row md:grid-col md:grid-cols-4 gap-8\">\n<div class=\"col-span-4\">\n<p>The Wells Fargo Active Cash\u00ae Card is one of the highest-earning flat-rate cash rewards cards on the market, letting you earn 2 percent on purchases without having to track or activate categories. The card also comes with generous benefits for no annual fee, including cellphone protection, auto rental collision damage waiver, roadside assistance and Visa Signature perks.<\/p>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Pros<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7870-pro-0\">You can earn cash rewards on general purchases or as a supplement for your non-bonus category purchases.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7870-pro-1\">It has a generous intro APR period for a cash rewards card that you could use to pay off a large purchase.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Cons<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7870-con-0\">The travel options with Wells Fargo are more limited than with other issuers, so you won\u2019t get as much bang for your buck by transferring points.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7870-con-1\">It charges a foreign transaction fee, making it a poor choice for spending abroad.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0\" data-testid=\"7870-card-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"details-bullets\" aria-expanded=\"false\">\n<p>Card Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"details-bullets\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 px-4 text-gray-700 marker:text-blue-600\">\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7870-card-details-bullet-0\">Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7870-card-details-bullet-1\">Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7870-card-details-bullet-2\">Earn unlimited 2% cash rewards on purchases.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7870-card-details-bullet-3\">0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7870-card-details-bullet-4\">$0 annual fee.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7870-card-details-bullet-5\">No categories to track or remember and cash rewards don\u2019t expire as long as your account remains open.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7870-card-details-bullet-6\">Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24\/7 Visa Signature\u00ae Concierge.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7870-card-details-bullet-7\">Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"card2\" class=\"rounded-lg border mb-8\" data-pid=\"221410611\" data-testid=\"221410611-category-product-box\">\n<div class=\"grid grid-cols-2 md:grid-cols-4 gap-4 p-4 md:p-6 justify-start align-items-center\">\n<div data-offer=\"regularAPR\" class=\"pb-2.5 md:pb-0 pt-2.5 md:pt-0 md:pl-6\">\n<p class=\"mb-0 mt-1 text-black font-bold text-lg leading-[100%]\">17.49% \u2013 27.49% (Variable)<\/p>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-b border-gray-200\" data-testid=\"221410611-reward-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"reward-details\" aria-expanded=\"false\">\n<p>Reward Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"reward-details\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 list-none text-gray-800 text-sm\">\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">2%<\/span><span class=\"flex items-baseline\" data-testid=\"221410611-reward-rate-0\">Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.<\/span>\n<\/li>\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">5%<\/span><span class=\"flex items-baseline\" data-testid=\"221410611-reward-rate-1\">Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-gray-200\" data-testid=\"221410611-pros-cons\">\n<div class=\"Accordion-item border-gray-200 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6 hover:bg-white\" aria-controls=\"pros-cons\" aria-expanded=\"false\">\n<p><span>Bankrate\u2019s view<\/span><\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"pros-cons\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<div class=\"grid grid-row md:grid-col md:grid-cols-4 gap-8\">\n<div class=\"col-span-4\">\n<div>The Citi Double Cash\u00ae Card offers 2 percent cash back on every purchase. But you\u2019ll get 1 percent when you make the purchase and the other 1 percent when you pay it off, making this card a good option if you consistently pay your balance on time.<\/p>\n<p>With a lengthy intro APR offer on balance transfers, you could also use this card to consolidate any other credit card debt while earning rewards. Just keep in mind there\u2019s a balance transfer fee.<\/p>\n<\/div>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Pros<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"221410611-pro-0\">This card is great for everyday spending or for pairing with a bonus category card.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"221410611-pro-1\">The card has a better rewards rate than some other cards that offer a balance transfer option.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Cons<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"221410611-con-0\">If you don\u2019t pay off the balance, you won\u2019t get the other half of your cash rewards.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"221410611-con-1\">It doesn\u2019t have an intro APR period for purchases, just balance transfers.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0\" data-testid=\"221410611-card-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"details-bullets\" aria-expanded=\"false\">\n<p>Card Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"details-bullets\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 px-4 text-gray-700 marker:text-blue-600\">\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221410611-card-details-bullet-0\">Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou\u00ae Points, which can be redeemed for $200 cash back.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221410611-card-details-bullet-1\">Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221410611-card-details-bullet-2\">Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% \u2013 27.49%, based on your creditworthiness.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221410611-card-details-bullet-3\">Balance Transfers do not earn cash back. Intro APR does not apply to purchases.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221410611-card-details-bullet-4\">If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221410611-card-details-bullet-5\">There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"card3\" class=\"rounded-lg border mb-8\" data-pid=\"22100504\" data-testid=\"22100504-category-product-box\">\n<div class=\"grid grid-cols-2 md:grid-cols-4 gap-4 p-4 md:p-6 justify-start align-items-center\">\n<div data-offer=\"introOffer\" class=\"pb-2.5 md:pb-0 border-b border-gray-200 md:pr-6 md:border-b-0 md:border-r\">\n<p class=\"mb-0 mt-1 text-black font-bold text-lg leading-[100%]\">Earn a one-time $200 cash bonus<\/p>\n<\/div>\n<div data-offer=\"regularAPR\" class=\"pb-2.5 md:pb-0 pt-2.5 md:pt-0 md:pl-6\">\n<p class=\"mb-0 mt-1 text-black font-bold text-lg leading-[100%]\">18.49% \u2013 28.49% (Variable)<\/p>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-b border-gray-200\" data-testid=\"22100504-reward-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"reward-details\" aria-expanded=\"false\">\n<p>Reward Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"reward-details\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 list-none text-gray-800 text-sm\">\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">5%<\/span><span class=\"flex items-baseline\" data-testid=\"22100504-reward-rate-0\">Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel<\/span>\n<\/li>\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">1.5%<\/span><span class=\"flex items-baseline\" data-testid=\"22100504-reward-rate-1\">Earn unlimited 1.5% cash back on every purchase, every day<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-gray-200\" data-testid=\"22100504-pros-cons\">\n<div class=\"Accordion-item border-gray-200 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6 hover:bg-white\" aria-controls=\"pros-cons\" aria-expanded=\"false\">\n<p><span>Bankrate\u2019s view<\/span><\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"pros-cons\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<div class=\"grid grid-row md:grid-col md:grid-cols-4 gap-8\">\n<div class=\"col-span-4\">\n<p>The Capital One Quicksilver Cash Rewards Credit Card offers a solid rewards rate, welcome bonus, balance transfer option and intro APR for cardholders who may want to stick with Capital One. You\u2019ll earn 1.5 percent cash back with no strategizing required, and you can redeem that cash back as a check, statement credit, gift card or online purchase or convert it to miles if you have a Capital One travel card.<\/p>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Pros<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"22100504-pro-0\">It has a solid welcome offer and no annual fee to offset your rewards.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"22100504-pro-1\">If you have a travel card in the Capital One family, you can convert your cash back into miles that are redeemable with Capital One Travel or transfer partners.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Cons<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"22100504-con-0\">This card\u2019s rewards rate isn\u2019t as high as leading flat-rate cash back cards.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"22100504-con-1\">It has few perks and benefits to offer to cardholders.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0\" data-testid=\"22100504-card-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"details-bullets\" aria-expanded=\"false\">\n<p>Card Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"details-bullets\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 px-4 text-gray-700 marker:text-blue-600\">\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"22100504-card-details-bullet-0\">Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"22100504-card-details-bullet-1\">Earn unlimited 1.5% cash back on every purchase, every day<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"22100504-card-details-bullet-2\">$0 annual fee and no foreign transaction fees<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"22100504-card-details-bullet-3\">Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"22100504-card-details-bullet-4\">No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won\u2019t expire for the life of the account and there\u2019s no limit to how much you can earn<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"22100504-card-details-bullet-5\">0% intro APR on purchases and balance transfers for 15 months; 18.49% \u2013 28.49% variable APR after that; balance transfer fee applies<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"22100504-card-details-bullet-6\">Top rated mobile app<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"card4\" class=\"rounded-lg border mb-8\" data-pid=\"7880\" data-testid=\"7880-category-product-box\">\n<div class=\"grid gap-4 md:gap-6 grid-cols-1 md:grid-cols-12 p-2 md:p-6 border-b\">\n<div class=\"md:col-span-8\">\n<p data-testid=\"7880-superlative\" class=\"font-sans font-bold mb-3 text-sm mt-3 md:mt-0 text-blue-600\">Best for current Bank of America savers<\/p>\n<div class=\"grid gap-4 grid-cols-12 items-start\">\n<div class=\"col-span-4 row-span-2 md:col-span-3 lg:col-span-2 flex items-center\">\n<figure class=\"mb-0\"><img decoding=\"async\" data-testid=\"7880-card-art\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/404c77f0-d11f-11f0-8b83-5b931725a212.png\" alt=\"Bank of America&amp;reg; Unlimited Cash Rewards credit card\" loading=\"lazy\"\/><\/figure>\n<\/div>\n<div class=\"col-span-12 flex md:justify-start md:col-span-8\">\n<div class=\"flex flex-wrap items-center\">\n<p class=\"font-bold mb-0 text-sm w-full sm:w-fit mr-1 sm:mr-2 text-nowrap\">Bankrate score<\/p>\n<div class=\"flex items-center\">\n<div class=\"inline-block align-middle text-nowrap\">\n<div class=\"RatingStars mr-2 top-[1px]\" aria-label=\"3.6 star rating\">\n<div class=\"RatingStars-iconMask\" style=\"width:72%\"><span class=\"RatingStars-iconContainer\"><span class=\"RatingStars-icon Icon Icon--xs mr-0 sm:mr-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\"><default:title>star icon<\/default:title><br \/>\n<default:g fill=\"none\" fill-rule=\"evenodd\"><default:path d=\"M0 0h16v16H0z\"\/><default:path fill=\"#0157ff\" d=\"M8.108.7l2.352 4.764 5.257.764-3.804 3.708.898 5.236L8.108 12.7l-4.702 2.472.898-5.236L.5 6.228l5.257-.764L8.108.7zm1.688 5.678L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661-3.772-.548z\"\/><default:path fill=\"#0157ff\" d=\"M9.796 6.378L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661z\"\/><\/default:g><\/default:svg><\/span><span class=\"RatingStars-icon Icon Icon--xs mr-0 sm:mr-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\"><default:title>star icon<\/default:title><br \/>\n<default:g fill=\"none\" fill-rule=\"evenodd\"><default:path d=\"M0 0h16v16H0z\"\/><default:path fill=\"#0157ff\" d=\"M8.108.7l2.352 4.764 5.257.764-3.804 3.708.898 5.236L8.108 12.7l-4.702 2.472.898-5.236L.5 6.228l5.257-.764L8.108.7zm1.688 5.678L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661-3.772-.548z\"\/><default:path fill=\"#0157ff\" d=\"M9.796 6.378L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661z\"\/><\/default:g><\/default:svg><\/span><span class=\"RatingStars-icon Icon Icon--xs mr-0 sm:mr-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\"><default:title>star icon<\/default:title><br \/>\n<default:g fill=\"none\" fill-rule=\"evenodd\"><default:path d=\"M0 0h16v16H0z\"\/><default:path fill=\"#0157ff\" d=\"M8.108.7l2.352 4.764 5.257.764-3.804 3.708.898 5.236L8.108 12.7l-4.702 2.472.898-5.236L.5 6.228l5.257-.764L8.108.7zm1.688 5.678L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661-3.772-.548z\"\/><default:path fill=\"#0157ff\" d=\"M9.796 6.378L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661z\"\/><\/default:g><\/default:svg><\/span><span class=\"RatingStars-icon Icon Icon--xs mr-0 sm:mr-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\"><default:title>star icon<\/default:title><br \/>\n<default:g fill=\"none\" fill-rule=\"evenodd\"><default:path d=\"M0 0h16v16H0z\"\/><default:path fill=\"#0157ff\" d=\"M8.108.7l2.352 4.764 5.257.764-3.804 3.708.898 5.236L8.108 12.7l-4.702 2.472.898-5.236L.5 6.228l5.257-.764L8.108.7zm1.688 5.678L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661-3.772-.548z\"\/><default:path fill=\"#0157ff\" d=\"M9.796 6.378L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661z\"\/><\/default:g><\/default:svg><\/span><span class=\"RatingStars-icon Icon Icon--xs mr-0 sm:mr-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\"><default:title>star icon<\/default:title><br \/>\n<default:g fill=\"none\" fill-rule=\"evenodd\"><default:path d=\"M0 0h16v16H0z\"\/><default:path fill=\"#0157ff\" d=\"M8.108.7l2.352 4.764 5.257.764-3.804 3.708.898 5.236L8.108 12.7l-4.702 2.472.898-5.236L.5 6.228l5.257-.764L8.108.7zm1.688 5.678L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661-3.772-.548z\"\/><default:path fill=\"#0157ff\" d=\"M9.796 6.378L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661z\"\/><\/default:g><\/default:svg><\/span><\/span><\/div>\n<p><span class=\"RatingStars-iconContainer\"><span class=\"RatingStars-icon Icon Icon--xs mr-0 sm:mr-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\"><default:title>star icon<\/default:title><br \/>\n<default:g fill=\"none\" fill-rule=\"evenodd\"><default:path d=\"M0 0h16v16H0z\"\/><default:path fill=\"#0157ff\" d=\"M8.108.7l2.352 4.764 5.257.764-3.804 3.708.898 5.236L8.108 12.7l-4.702 2.472.898-5.236L.5 6.228l5.257-.764L8.108.7zm1.688 5.678L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661-3.772-.548z\"\/><default:path fill=\"#FFFFFF\" d=\"M9.796 6.378L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661z\"\/><\/default:g><\/default:svg><\/span><span class=\"RatingStars-icon Icon Icon--xs mr-0 sm:mr-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\"><default:title>star icon<\/default:title><br \/>\n<default:g fill=\"none\" fill-rule=\"evenodd\"><default:path d=\"M0 0h16v16H0z\"\/><default:path fill=\"#0157ff\" d=\"M8.108.7l2.352 4.764 5.257.764-3.804 3.708.898 5.236L8.108 12.7l-4.702 2.472.898-5.236L.5 6.228l5.257-.764L8.108.7zm1.688 5.678L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661-3.772-.548z\"\/><default:path fill=\"#FFFFFF\" d=\"M9.796 6.378L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661z\"\/><\/default:g><\/default:svg><\/span><span class=\"RatingStars-icon Icon Icon--xs mr-0 sm:mr-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\"><default:title>star icon<\/default:title><br \/>\n<default:g fill=\"none\" fill-rule=\"evenodd\"><default:path d=\"M0 0h16v16H0z\"\/><default:path fill=\"#0157ff\" d=\"M8.108.7l2.352 4.764 5.257.764-3.804 3.708.898 5.236L8.108 12.7l-4.702 2.472.898-5.236L.5 6.228l5.257-.764L8.108.7zm1.688 5.678L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661-3.772-.548z\"\/><default:path fill=\"#FFFFFF\" d=\"M9.796 6.378L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661z\"\/><\/default:g><\/default:svg><\/span><span class=\"RatingStars-icon Icon Icon--xs mr-0 sm:mr-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\"><default:title>star icon<\/default:title><br \/>\n<default:g fill=\"none\" fill-rule=\"evenodd\"><default:path d=\"M0 0h16v16H0z\"\/><default:path fill=\"#0157ff\" d=\"M8.108.7l2.352 4.764 5.257.764-3.804 3.708.898 5.236L8.108 12.7l-4.702 2.472.898-5.236L.5 6.228l5.257-.764L8.108.7zm1.688 5.678L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661-3.772-.548z\"\/><default:path fill=\"#FFFFFF\" d=\"M9.796 6.378L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661z\"\/><\/default:g><\/default:svg><\/span><span class=\"RatingStars-icon Icon Icon--xs mr-0 sm:mr-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" width=\"16\" height=\"16\" viewbox=\"0 0 16 16\"><default:title>star icon<\/default:title><br \/>\n<default:g fill=\"none\" fill-rule=\"evenodd\"><default:path d=\"M0 0h16v16H0z\"\/><default:path fill=\"#0157ff\" d=\"M8.108.7l2.352 4.764 5.257.764-3.804 3.708.898 5.236L8.108 12.7l-4.702 2.472.898-5.236L.5 6.228l5.257-.764L8.108.7zm1.688 5.678L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661-3.772-.548z\"\/><default:path fill=\"#FFFFFF\" d=\"M9.796 6.378L8.108 2.959 6.421 6.378l-3.773.548 2.73 2.66-.644 3.758 3.374-1.774 3.373 1.774-.643-3.757 2.73-2.661z\"\/><\/default:g><\/default:svg><\/span><\/span>\n<\/div>\n<p><span data-testid=\"7880-bankrate-score\" class=\"font-sans text-sm relative top-[-2px] undefined font-bold\">3.6<\/span>\n<\/div>\n<p>Bankrate review\n<\/p><\/div>\n<p>Bankrate review\n<\/p><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"md:col-span-4 text-center\">\n<div class=\"mb-2 w-full text-black rounded text-sm md:text-xs lg:text-sm max-w-sm mx-auto h-9 flex items-center justify-center bg-blue-600\/5 border border-blue-600\/50\">\n<span class=\"font-thin mr-1 ml-0.5\">Recommended credit score:<\/span><span class=\"font-bold\" data-testid=\"7880-recommended-credit\">670 \u2013 850<\/span>\n<\/div>\n<p>Apply now<span class=\"inline-block align-middle relative -mt-1 ml-2  Icon Icon--xs\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph \" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M16.1489 7.0377V8.47406H7.8423V6.97713C7.8423 4.71879 9.70262 2.88443 11.9956 2.88443C14.2885 2.88443 16.1489 4.74475 16.1489 7.0377ZM6.45787 6.97713V8.47406H6.23319C4.57188 8.47406 3.23071 9.82387 3.23071 11.4765V19.4975C3.23071 21.1589 4.58053 22.5 6.23319 22.5H17.7672V22.4914C19.4285 22.4914 20.7697 21.1242 20.7697 19.437V11.4765C20.7697 9.81522 19.4198 8.47406 17.7672 8.47406H17.5333V7.0377C17.5333 3.98331 15.05 1.5 11.9956 1.5C8.94119 1.5 6.45787 3.95735 6.45787 6.97713ZM6.22453 9.86714C5.33331 9.86714 4.60649 10.594 4.60649 11.4852V19.5062C4.60649 20.3974 5.33331 21.1242 6.22453 21.1242H17.7585C18.6671 21.1242 19.3766 20.3888 19.3766 19.4543V11.4938C19.3766 10.6026 18.6498 9.87579 17.7585 9.87579H6.22453V9.86714ZM11.3036 16.6681C11.3036 17.0488 11.6151 17.3603 11.9958 17.3603C12.3765 17.3603 12.688 17.0488 12.688 16.6681V14.306C12.688 13.9252 12.3765 13.6137 11.9958 13.6137C11.6151 13.6137 11.3036 13.9252 11.3036 14.306V16.6681Z\" class=\"icon-base\"\/><default:title>Lock<\/default:title><\/default:svg><\/span><\/p>\n<p class=\"text-xs mt-2 sm:mt-3 text-gray-700 mb-0\" data-testid=\"7880-secure-site\">on <!-- -->Bank of America<!-- -->&#8216;s secure site<\/p>\n<\/div>\n<\/div>\n<div class=\"grid grid-cols-2 md:grid-cols-4 gap-4 p-4 md:p-6 justify-start align-items-center\">\n<div data-offer=\"regularAPR\" class=\"pb-2.5 md:pb-0 pt-2.5 md:pt-0 md:pl-6\">\n<p class=\"mb-0 mt-1 text-black font-bold text-lg leading-[100%]\">17.49% \u2013 27.49% Variable APR on purchases and balance transfers<\/p>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-b border-gray-200\" data-testid=\"7880-reward-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"reward-details\" aria-expanded=\"false\">\n<p>Reward Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"reward-details\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 list-none text-gray-800 text-sm\">\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">2%<\/span><span class=\"flex items-baseline\" data-testid=\"7880-reward-rate-0\">Earn 2% cash back on all purchases for the first year from account opening<\/span>\n<\/li>\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">1.5%<\/span><span class=\"flex items-baseline\" data-testid=\"7880-reward-rate-1\">Earn 1.5% cash back on all purchases after the first year from account opening<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-gray-200\" data-testid=\"7880-pros-cons\">\n<div class=\"Accordion-item border-gray-200 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6 hover:bg-white\" aria-controls=\"pros-cons\" aria-expanded=\"false\">\n<p><span>Bankrate\u2019s view<\/span><\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"pros-cons\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<div class=\"grid grid-row md:grid-col md:grid-cols-4 gap-8\">\n<div class=\"col-span-4\">\n<div>For everyday cardholders, Bank of America\u00ae Unlimited Cash Rewards credit card\u2019s 1.5 percent cash back rewards rate is on par with other flat-rate cards. But Preferred Rewards members with qualifying Merrill and Bank of America balances can earn up to 2.62 percent cash back.\u00a0<\/div>\n<p>\n<br \/>Plus, Bank of America recently updated this card for new cardholders: In the first year from account opening, you can earn a total of 2 percent flat-rate cash back on purchases.<\/p>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Pros<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7880-pro-0\">You can earn a decent rewards rate and welcome bonus for no annual fee, and even more rewards if you currently bank and save with Bank of America.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7880-pro-1\">It\u2019s one of the few cash back cards with solid intro APR periods on both purchases and balance transfers.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Cons<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7880-con-0\">The spending requirement for the welcome bonus and account balance minimum for Preferred Rewards status tier are both steep. <\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7880-con-1\">After the first year, the cash back rate drops to 1.5 percent.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0\" data-testid=\"7880-card-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"details-bullets\" aria-expanded=\"false\">\n<p>Card Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"details-bullets\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 px-4 text-gray-700 marker:text-blue-600\">\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7880-card-details-bullet-0\">$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7880-card-details-bullet-1\">Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7880-card-details-bullet-2\">Thereafter, you\u2019ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7880-card-details-bullet-3\">With the Bank of America Preferred Rewards\u00ae program, members can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back with Preferred Rewards. The Preferred Rewards bonus does not apply to the .5% first-year bonus.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7880-card-details-bullet-4\">No annual fee.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7880-card-details-bullet-5\">0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that\u2019s currently 17.49% \u2013 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7880-card-details-bullet-6\">Contactless Cards \u2013 The security of a chip card, with the convenience of a tap.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7880-card-details-bullet-7\">This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"card5\" class=\"rounded-lg border mb-8\" data-pid=\"7263\" data-testid=\"7263-category-product-box\">\n<div class=\"Accordion border-t-0 border-b border-gray-200\" data-testid=\"7263-reward-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"reward-details\" aria-expanded=\"false\">\n<p>Reward Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"reward-details\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 list-none text-gray-800 text-sm\">\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">1.5%<\/span><span class=\"flex items-baseline\" data-testid=\"7263-reward-rate-0\">1.5% unlimited cash back on every purchase<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-gray-200\" data-testid=\"7263-pros-cons\">\n<div class=\"Accordion-item border-gray-200 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6 hover:bg-white\" aria-controls=\"pros-cons\" aria-expanded=\"false\">\n<p><span>Bankrate\u2019s view<\/span><\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"pros-cons\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<div class=\"grid grid-row md:grid-col md:grid-cols-4 gap-8\">\n<div class=\"col-span-4\">\n<p>If you need to make a large purchase and want to pay lower-interest installments over a longer period of time \u2014 all while earning a flat 1.5 percent cash back on purchases \u2014 the Upgrade Cash Rewards Visa\u00ae is an option. It offers up to a $25,000 credit limit and offers fixed repayments in a set timeframe like a personal loan.<\/p>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Pros<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7263-pro-0\">It earns standard, flat-rate cash rewards on every purchase and comes with a welcome bonus for no annual fee.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7263-pro-1\">With excellent credit, you could secure a lower interest rate and plenty of time to pay off a large purchase, similar to a personal loan.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Cons<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7263-con-0\">The rewards redemption option is limited to statement credits.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"7263-con-1\">You can\u2019t carry a balance with this card \u2014 it\u2019s automatically converted to an installment loan at the end of the billing cycle.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0\" data-testid=\"7263-card-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"details-bullets\" aria-expanded=\"false\">\n<p>Card Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"details-bullets\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 px-4 text-gray-700 marker:text-blue-600\">\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-0\">$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-1\">1.5% unlimited cash back on every purchase<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-2\">No annual fee<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-3\">See if you qualify in seconds with no impact to your credit score<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-4\">Combine the flexibility of a card with the predictability of a personal loan<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-5\">Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-6\">Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-7\">Contactless payments with Apple Pay\u00ae and Google Wallet\u2122<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-8\">Mobile app to access your account anytime, anywhere<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-9\">Use your card anywhere Visa is accepted<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-10\">Relax knowing that you are protected in case of unauthorized transactions with Visa\u2019s Zero Liability Policy<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-11\">State Exclusions: DC, GA, IA, MA, WV, WI<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-12\">Welcome Bonus: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa\u00ae Debit Card Agreement and Disclosures for more information.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-13\">Welcome Bonus (continued): Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"7263-card-details-bullet-14\">See Rates &amp; Fees<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"card6\" class=\"rounded-lg border mb-8 border-green-500 border-1\" data-pid=\"221211280\" data-testid=\"221211280-category-product-box\">\n<div class=\"inline-flex justify-between\" data-testid=\"limited-offer-v2-banner\">\n<div class=\"flex justify-center md:justify-start\">\n<div class=\"py-2 px-0 md:px-4 bg-green-500 md:bg-green-100 flex items-center rounded-br-lg\">\n<div data-testid=\"lto-v2-tooltip\" class=\" mr-4 md:mr-0 md:ml-2 top-[3px]\"><span tabindex=\"0\" class=\"cursor-pointer flex items-center  flex\" aria-label=\"More information about this limited time offer\"><span><span class=\"inline-block align-middle relative flex md:hidden\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 16 16\" width=\"16\" height=\"16\" focusable=\"false\" class=\"\" fill=\"white\"><default:path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8 16C12.4183 16 16 12.4183 16 8C16 3.58172 12.4183 0 8 0C3.58172 0 0 3.58172 0 8C0 12.4183 3.58172 16 8 16ZM8 15C4.13401 15 1 11.866 1 8C1 4.13401 4.13401 1 8 1C11.866 1 15 4.13401 15 8C15 11.866 11.866 15 8 15ZM7 5.0122C7 4.45122 7.45122 4 8 4C8.56098 4 9 4.45122 9 5.0122C9 5.54878 8.56098 6 8 6C7.45122 6 7 5.54878 7 5.0122ZM7 12V7H9V12H7Z\" class=\"icon-base\"\/><default:title>Info<\/default:title><\/default:svg><\/span><span class=\"inline-block align-middle relative hidden md:flex\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 16 16\" width=\"16\" height=\"16\" focusable=\"false\" class=\"\" fill=\"#0157FF\"><default:path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8 16C12.4183 16 16 12.4183 16 8C16 3.58172 12.4183 0 8 0C3.58172 0 0 3.58172 0 8C0 12.4183 3.58172 16 8 16ZM8 15C4.13401 15 1 11.866 1 8C1 4.13401 4.13401 1 8 1C11.866 1 15 4.13401 15 8C15 11.866 11.866 15 8 15ZM7 5.0122C7 4.45122 7.45122 4 8 4C8.56098 4 9 4.45122 9 5.0122C9 5.54878 8.56098 6 8 6C7.45122 6 7 5.54878 7 5.0122ZM7 12V7H9V12H7Z\" class=\"icon-base\"\/><default:title>Info<\/default:title><\/default:svg><\/span><\/span><span class=\"sr-only\">More information about this limited time offer<\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"grid grid-cols-2 md:grid-cols-4 gap-4 p-4 md:p-6 justify-start align-items-center bg-white\">\n<div data-offer=\"regularAPR\" class=\"pb-2.5 md:pb-0 pt-2.5 md:pt-0 md:pl-6\">\n<p class=\"mb-0 mt-1 text-black font-bold text-lg leading-[100%]\">18.49% \u2013 27.99% Variable<\/p>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-b border-gray-200\" data-testid=\"221211280-reward-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"reward-details\" aria-expanded=\"false\">\n<p>Reward Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"reward-details\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 list-none text-gray-800 text-sm\">\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">5%<\/span><span class=\"flex items-baseline\" data-testid=\"221211280-reward-rate-0\">Enjoy 5% cash back on travel purchased through Chase Travel\u2120, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.<\/span>\n<\/li>\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">3%<\/span><span class=\"flex items-baseline\" data-testid=\"221211280-reward-rate-1\">3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.<\/span>\n<\/li>\n<li class=\"mt-4 flex items-baseline\">\n<span class=\"inline-flex items-baseline rounded font-sans font-bold p-1 mr-4 min-w-max bg-blue-100\">1.5%<\/span><span class=\"flex items-baseline\" data-testid=\"221211280-reward-rate-2\">1.5% cash back on all other purchases.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0 border-gray-200\" data-testid=\"221211280-pros-cons\">\n<div class=\"Accordion-item border-gray-200 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6 hover:bg-white\" aria-controls=\"pros-cons\" aria-expanded=\"false\">\n<p><span>Bankrate\u2019s view<\/span><\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"pros-cons\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<div class=\"grid grid-row md:grid-col md:grid-cols-4 gap-8\">\n<div class=\"col-span-4\">\n<p>While the Chase Freedom Unlimited\u00ae is technically a bonus category cash back card, it offers a competitive catch-all rate of 1.5 percent on non-bonus categories. Plus, you\u2019ll earn 5 percent on Chase Travel\u2120, 3 percent on dining and drugstore purchases and 2 percent total cash back on Lyft rides (through Sept. 30, 2027). For credit card minimalists, this card could be the only one you keep in your wallet, or you could pair it with a Chase travel card.<\/p>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Pros<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"221211280-pro-0\">Earn as much cash back on everyday purchases as you would with some flat-rate cards, while also reaping extra rewards on bonus categories.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[24px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative icon-base-green-500 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewbox=\"0 0 1024 1024\" class=\"icon \" version=\"1.1\" fill=\"#000000\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:path d=\"M866.133333 258.133333L362.666667 761.6l-204.8-204.8L98.133333 618.666667 362.666667 881.066667l563.2-563.2z\" fill=\"#43A047\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"221211280-pro-1\">You can redeem your rewards with Chase Travel purchases or a transfer partner, or as a statement credit, gift card or other cash back option.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"col-span-4 md:col-span-2\">\n<p>Cons<\/p>\n<ul class=\"list-none m-0\">\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"221211280-con-0\">This card has a foreign transaction fee, so it\u2019s not ideal for spending overseas.<\/span>\n<\/li>\n<li class=\"mt-1 grid grid-cols-[32px_1fr] items-start gap-1\">\n<span class=\"inline-block align-middle relative text-red-600 mt-1\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 24 24\" fill=\"none\" class=\"\"><default:g stroke-width=\"0\"\/><default:g stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:g><default:rect width=\"24\" height=\"24\" fill=\"white\"\/><default:path d=\"M7 17L16.8995 7.10051\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><default:path d=\"M7 7.00001L16.8995 16.8995\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/default:g><\/default:svg><\/span><span class=\"text-base\" data-testid=\"221211280-con-1\">Its ongoing APR is a bit high compared to other cash back cards.<\/span>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<div class=\"Accordion border-t-0\" data-testid=\"221211280-card-details\">\n<div class=\"Accordion-item border-b-0 py-2\">\n<details class=\"group w-full relative overflow-hidden\" data-nojs=\"true\">\n<summary class=\"flex w-full items-center justify-between cursor-pointer list-none pr-12 px-4 md:px-6\" aria-controls=\"details-bullets\" aria-expanded=\"false\">\n<p>Card Details<\/p>\n<p><span class=\"Icon Icon--xs flex items-center justify-center absolute right-4 undefined\"><span class=\"inline-block align-middle relative transition-transform duration-300\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph fill-blue-600\" viewbox=\"0 0 11 8\" focusable=\"false\"><default:path fill=\"\" fill-rule=\"evenodd\" d=\"M3.875 5.875l-3.75-3.75 1.25-1.25 3.75 3.75 3.75-3.75 1.25 1.25-5 5-1.25-1.25z\"\/><\/default:svg><\/span><\/span><\/summary>\n<div class=\"Accordion-content \" id=\"details-bullets\" aria-hidden=\"true\" data-testid=\"accordion-content\" style=\"display:none\">\n<ul class=\"m-0 px-4 text-gray-700 marker:text-blue-600\">\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221211280-card-details-bullet-0\">Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221211280-card-details-bullet-1\">Enjoy 5% cash back on travel purchased through Chase Travel\u2120, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221211280-card-details-bullet-2\">No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221211280-card-details-bullet-3\">Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% \u2013 27.99%.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221211280-card-details-bullet-4\">No annual fee \u2013 You won\u2019t have to pay an annual fee for all the great features that come with your Freedom Unlimited\u00ae card<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221211280-card-details-bullet-5\">Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.<\/p>\n<\/li>\n<li class=\"mt-4\">\n<p class=\"mb-0\" data-testid=\"221211280-card-details-bullet-6\">Member FDIC<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/details>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\" bg-white border-b border-gray-200 p-4 fixed bottom-0 left-0 w-full z-25 shadow-xl transition-all duration-500 transform translate-y-full opacity-0\" data-testid=\"compare-bar\">\n<div class=\"flex flex-row gap-4 justify-between md:justify-start items-center m-auto max-w-7xl px-4 sm:px-6\">\n<div class=\"flex flex-row items-center gap-4\">\n<div class=\"block md:hidden relative cursor-pointer\"><img decoding=\"async\" class=\"w-16 h-10\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/compare-toolbar-card-icon.png\" alt=\"compare\" loading=\"lazy\"\/><\/div>\n<p><span class=\"text-gray-600 text-xs hidden md:block\">Add up to 3 cards to compare<\/span>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"w-full Alert bg-red-100 z-20 left-0 border-red-600  fixed bottom-[4.5rem] transition-all duration-500 transform translate-y-full opacity-0 invisible\" role=\"alert\">\n<div class=\"wrapper flex flex-row justify-center md:justify-start max-w-7xl px-4 sm:px-6\">\n<div class=\"alert__text\">\n<p class=\"text-sm mb-0 text-slate\">Remove a card to add another to compare<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\" bg-white border-b border-gray-200 fixed left-0 w-full z-20 shadow-xl transition-all duration-500 transform block md:hidden bottom-[4.375rem] translate-y-full opacity-0\">\n<button class=\"absolute -top-14 right-0 p-4 text-white underline hidden\">Close<\/button><\/p>\n<div class=\"w-full Alert bg-red-100 z-20 left-0 border-red-600  transition-all duration-500 ease-in-out transform shadow-none justify-center translate-y-full opacity-0 absolute z-0\" role=\"alert\">\n<div class=\"wrapper flex flex-row justify-center md:justify-start max-w-7xl px-4 sm:px-6\">\n<div class=\"alert__text\">\n<p class=\"text-sm mb-0 text-slate\">Remove a card to add another to compare<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<h2 id=\"compare\" data-position=\"8\" data-beam-element-viewed=\"\" data-id=\"br-h2-8-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Comparing the best cards for flat-rate cash back\" data-outcome=\"\">Comparing the best cards for flat-rate cash back<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table is-style-stripes wrapped\">\n<thead>\n<tr>\n<th><strong>Card name<\/strong><\/th>\n<th><strong>Best for<\/strong><\/th>\n<th><strong>Annual fee<\/strong><\/th>\n<th><strong>Recommended credit score<\/strong><\/th>\n<th><strong>Flat rewards rate<\/strong><\/th>\n<th><strong>Welcome bonus<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-capi-name=\"7870\">Wells Fargo Active Cash\u00ae Card<\/span><\/td>\n<td>Highest flat-rate with an intro APR<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"7870\">$0<\/span><\/td>\n<td><span data-capi-credit-needed=\"list\" data-pid=\"7870\"\/><\/td>\n<td>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"7870\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn unlimited 2% cash rewards on purchases<\/li>\n<\/ul>\n<\/td>\n<td><span data-capi-intro-bonus=\"7870\"><\/p>\n<ul class=\"capi-bullets\" data-capi-bullets=\"7870\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months<\/li>\n<\/ul>\n<p><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-capi-name=\"221410611\">Citi Double Cash\u00ae Card<\/span><\/td>\n<td>Positive credit habits<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"221410611\">$0<\/span><\/td>\n<td><span data-capi-credit-needed=\"list\" data-pid=\"221410611\"\/><\/td>\n<td>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"221410611\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"1\">Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\n<\/ul>\n<\/td>\n<td><span data-capi-intro-bonus=\"221410611\"><\/p>\n<ul class=\"capi-bullets\" data-capi-bullets=\"221410611\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou\u00ae Points, which can be redeemed for $200 cash back.<\/li>\n<\/ul>\n<p><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-capi-name=\"22100504\">Capital One Quicksilver Cash Rewards Credit Card<\/span><\/td>\n<td>Flexible rewards redemption<\/td>\n<td>\n<span data-capi-fee=\"ongoing_annual\" data-pid=\"22100504\">$0<\/span><br \/>See Rates &amp; Fees\n<\/td>\n<td><span data-capi-credit-needed=\"list\" data-pid=\"22100504\"\/><\/td>\n<td>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"22100504\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel<\/li>\n<li class=\"capi-bullets__item\" data-index=\"1\">Earn unlimited 1.5% cash back on every purchase, every day<\/li>\n<\/ul>\n<\/td>\n<td><span data-capi-intro-bonus=\"22100504\"><\/p>\n<ul class=\"capi-bullets\" data-capi-bullets=\"22100504\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening<\/li>\n<\/ul>\n<p><\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<span data-capi-name=\"7880\">Bank of America\u00ae Unlimited Cash Rewards credit card<\/span>*<\/td>\n<td>Current Bank of America savers<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"7880\">$0<\/span><\/td>\n<td><span data-capi-credit-needed=\"list\" data-pid=\"7880\"\/><\/td>\n<td>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"7880\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn 2% cash back on all purchases for the first year from account opening<\/li>\n<li class=\"capi-bullets__item\" data-index=\"1\">Earn 1.5% cash back on all purchases after the first year from account opening<\/li>\n<\/ul>\n<\/td>\n<td><span data-capi-intro-bonus=\"7880\"><\/p>\n<ul class=\"capi-bullets\" data-capi-bullets=\"7880\">\n<li class=\"capi-bullets__item\" data-index=\"0\">$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/li>\n<\/ul>\n<p><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-capi-name=\"7263\">Upgrade Cash Rewards Visa\u00ae<\/span><\/td>\n<td>Financing over time<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"7263\">$0<\/span><\/td>\n<td><span data-capi-credit-needed=\"list\" data-pid=\"7263\"\/><\/td>\n<td>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"7263\">\n<li class=\"capi-bullets__item\" data-index=\"0\">1.5% unlimited cash back on every purchase<\/li>\n<\/ul>\n<\/td>\n<td><span data-capi-intro-bonus=\"7263\"><\/p>\n<ul class=\"capi-bullets\" data-capi-bullets=\"7263\">\n<li class=\"capi-bullets__item\" data-index=\"0\">$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*<\/li>\n<\/ul>\n<p><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-capi-name=\"221211280\">Chase Freedom Unlimited\u00ae<\/span><\/td>\n<td>Flat-rate and bonus categories<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"221211280\">$0<\/span><\/td>\n<td><span data-capi-credit-needed=\"list\" data-pid=\"221211280\"\/><\/td>\n<td>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"221211280\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Enjoy 5% cash back on travel purchased through Chase Travel\u2120, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"1\">3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"2\">1.5% cash back on all other purchases.<\/li>\n<\/ul>\n<\/td>\n<td><span data-capi-intro-bonus=\"221211280\"><\/p>\n<ul class=\"capi-bullets\" data-capi-bullets=\"221211280\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/li>\n<\/ul>\n<p><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"choose\" data-position=\"9\" data-beam-element-viewed=\"\" data-id=\"br-h2-9-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to choose a flat-rate cash back card\" data-outcome=\"\">How to choose a flat-rate cash back card<\/h2>\n<p>Before getting pre-approved or applying for a flat-rate cash back card, consider these factors to pick the right one.<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Rewards rate:<\/strong> If you\u2019re simply trying to earn the highest possible flat rate, one of the 2 percent cards is the way to go \u2014 unless you happen to have $50,000 or more in Bank of America accounts, which can earn you at least 2.25 percent with the Unlimited Cash Rewards card. With the highest flat-rate cards, you don\u2019t have to pay attention to spending categories, redemption options or other card perks. As long as you pay your balance on time, you\u2019ll get easy cash back for every purchase.<\/li>\n<li>\n<strong>Welcome bonus spending requirement:<\/strong> While the cards above offer similar amounts of cash back as a welcome bonus ($200-$300), the spending requirements range from $500 to $1,500 in a set timeframe. You\u2019ll want to make sure you can reach the requirement for the card you want so you don\u2019t miss out on free money.<\/li>\n<li>\n<strong>Redemption options:<\/strong> Some cash back cards only offer redemption options like statement credits, direct deposit or gift cards. And notably, half of rewards cardholders (50 percent) prefer cash back rewards, according to Bankrate\u2019s 2024 Credit Card Rewards Survey. But travel points or miles tend to be worth more. If you choose a cash back card from the same issuer as your travel card, you may be able to convert cash back to points or miles.<\/li>\n<li>\n<strong>Financing needs:<\/strong> A perk of several cards on this list is a 0 percent intro APR offer or the Upgrade Cash Rewards Visa\u2019s low-interest installment option. If you need to finance a large purchase for 12 months or more without paying interest, look for a card with that type of offer.<\/li>\n<\/ul>\n<h2 id=\"earn\" data-position=\"10\" data-beam-element-viewed=\"\" data-id=\"br-h2-10-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Comparing rewards earned with a flat-rate card vs. bonus category card\" data-outcome=\"\">Comparing rewards earned with a flat-rate card vs. bonus category card<\/h2>\n<p>Let\u2019s crunch the numbers on the cash back you can earn with a flat-rate cash back card, like the Wells Fargo Active Cash card, compared to a cash back offering bonus rewards on certain categories, like the <u><span data-capi-name=\"220310542\">Blue Cash Everyday\u00ae Card from American Express<\/span><\/u>.<\/p>\n<p>Note that the Wells Fargo Active Cash card offers 2 percent cash rewards on purchases, while the Amex Blue Cash Everyday card offers 3 percent cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases (on up to $6,000 per year in each category, then 1 percent back) and 1 percent cash back on all other eligible purchases.<\/p>\n<p>Neither card charges an annual fee to subtract from your earnings.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table is-style-stripes wrapped\">\n<thead>\n<tr>\n<th><strong>Spending category<\/strong><\/th>\n<th><strong>Annual spending<\/strong><\/th>\n<th><strong>Cash rewards earned with the Wells Fargo Active Cash Card<\/strong><\/th>\n<th><strong>Cash back earned with the Blue Cash Everyday Card from American Express<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Groceries<\/strong><\/td>\n<td>$6,000<\/td>\n<td>$120<\/td>\n<td>$180<\/td>\n<\/tr>\n<tr>\n<td><strong>Dining<\/strong><\/td>\n<td>$2,500<\/td>\n<td>$50<\/td>\n<td>$25<\/td>\n<\/tr>\n<tr>\n<td><strong>Gas stations<\/strong><\/td>\n<td>$2,000<\/td>\n<td>$40<\/td>\n<td>$60<\/td>\n<\/tr>\n<tr>\n<td><strong>Transportation and rideshare<\/strong><\/td>\n<td>$800<\/td>\n<td>$16<\/td>\n<td>$8<\/td>\n<\/tr>\n<tr>\n<td><strong>Travel<\/strong><\/td>\n<td>$2,000<\/td>\n<td>$40<\/td>\n<td>$20<\/td>\n<\/tr>\n<tr>\n<td><strong>Entertainment<\/strong><\/td>\n<td>$1,500<\/td>\n<td>$30<\/td>\n<td>$15<\/td>\n<\/tr>\n<tr>\n<td><strong>Online shopping<\/strong><\/td>\n<td>$2,400<\/td>\n<td>$48<\/td>\n<td>$72<\/td>\n<\/tr>\n<tr>\n<td><strong>Household utilities<\/strong><\/td>\n<td>$4,000<\/td>\n<td>$80<\/td>\n<td>$40<\/td>\n<\/tr>\n<tr>\n<td><strong>Drugstores<\/strong><\/td>\n<td>$1,200<\/td>\n<td>$24<\/td>\n<td>$12<\/td>\n<\/tr>\n<tr>\n<td><strong>Total<\/strong><\/td>\n<td><strong>$22,400<\/strong><\/td>\n<td><strong>$448<\/strong><\/td>\n<td><strong>$432<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"whats-next\" data-position=\"11\" data-beam-element-viewed=\"\" data-id=\"br-h2-11-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What\u2019s next?\" data-outcome=\"\">What\u2019s next?<\/h2>\n<h2 id=\"bottom-line\" data-position=\"12\" data-beam-element-viewed=\"\" data-id=\"br-h2-12-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>For responsible credit cardholders, it makes sense to earn cash back rewards on everyday spending. If you\u2019re too busy for a complicated rewards strategy, a flat-rate cash back card can be just right for your wallet. Or you can swipe it for those non-bonus categories that your other rewards cards earn less for. With no annual fee, you\u2019ll have little to lose and much to gain with one of the cards above \u2014 as long as you pay your balance on time to avoid accruing interest.<\/p>\n<p><em><em>*The Bank of America content in this post was last updated on December 4, 2025.<\/em><\/em><\/p>\n<h2 id=\"faqs\" data-position=\"13\" data-beam-element-viewed=\"\" data-id=\"br-h2-13-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-what-can-you-do-with-cash-back', 'heading-what-can-you-do-with-cash-back']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-can-you-do-with-cash-back')\" :aria-controls=\"$id('panel-what-can-you-do-with-cash-back')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What can you do with cash back?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-can-you-do-with-cash-back')\" :aria-labelledby=\"$id('heading-what-can-you-do-with-cash-back')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>You typically have a number of redemption options for your cash back. Some cardholders apply it directly to their balance as a statement credit \u2014 a straightforward, albeit less exciting, option.<\/p>\n<p>You may also be able to get your cash as a check or direct deposit, or use it to cover a purchase with certain online retailers. If your card issuer partners with your favorite retailers, you can secure a gift card.<\/p>\n<p>Finally, some issuers let you use your cash back to book travel through their travel portal.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-do-you-maximize-a-flat-rate-cash-back-card', 'heading-how-do-you-maximize-a-flat-rate-cash-back-card']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-do-you-maximize-a-flat-rate-cash-back-card')\" :aria-controls=\"$id('panel-how-do-you-maximize-a-flat-rate-cash-back-card')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How do you maximize a flat-rate cash back card?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-do-you-maximize-a-flat-rate-cash-back-card')\" :aria-labelledby=\"$id('heading-how-do-you-maximize-a-flat-rate-cash-back-card')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>The best way to maximize a flat-rate cash back card is by using it to pay for everyday spending categories that don\u2019t typically earn boosted rewards with other bonus category cards. That might include utility bills, daycare or medical procedures.<\/p>\n<p>You can also use it to shop with a cash back app or issuer shopping portal, reaping extra rewards.<\/p>\n<p>If you also have a bonus category cash back or travel rewards card, you can swipe that card on the flashier, high-earning categories like dining out and flights. But those cards tend to offer a lower rate on everything else, making a flat-rate card the perfect complement.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"1egKSqtGgs\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up 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4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/credit-cards\/cash-back\/best-flat-rate-cash-back-credit-cards\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Carlina Teteris\/Getty Images With so many rewards cards strategies to consider \u2014 like bonus categories, travel points and miles valuations and more \u2014 some cardholders opt to go the simpler route. A flat-rate cash back card lets you earn a consistent, unlimited rewards rate for every purchase you make. Redemption options are simple, too, usually<\/p>\n","protected":false},"author":1,"featured_media":22805,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22804","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Flat-Rate Cash Back Credit Cards | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Carlina Teteris\/Getty Images With so many rewards cards strategies to consider \u2014 like bonus categories, travel points and miles valuations and more \u2014 some\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budgetadirect.com\/?p=22804\" 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