Best Flat-Rate Cash Back Credit Cards
18 live cards in our database pay one flat rate on everything. They are ranked below by that rate, then by our overall score, with the fee, earn terms and welcome offer for each.
Ranked by math · Compensation never changes the order · Methodology
A flat-rate card is the simplest way to earn: the same percentage back on every purchase, with no categories to track or activate. It is the best fit for spending that doesn’t land in a bonus category, and the classic partner for a category card in a two-card setup. Read each card’s terms line: some reach their top rate only with a linked bank account or membership.
The ranking
Card data checked October 21, 2026 · 18 cards compared
- 1
Robinhood Gold Card
Robinhood Credit · Visa- Annual fee
- $0
- Overall score
- 56
- Flat rate
- 3% on everything
- 3% cash back on all purchases
- 2
PNC Cash Unlimited®
PNC · Visa- Annual fee
- $0
- Overall score
- 67
- Flat rate
- 2% on everything
- Unlimited 2% cash back on all purchases
- 3
Citi Double Cash® Card
Citi · Mastercard- Annual fee
- $0
- Overall score
- 62
- Flat rate
- 2% on everything
- 1% cash back when you buy, plus 1% as you pay (2% total) on all purchases
Welcome offer: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
- 4
cashRewards Plus
Navy FCU · Visa- Annual fee
- $0
- Overall score
- 59
- Flat rate
- 2% on everything
- 2.00% cash back on all purchases (cashRewards Plus is issued with a credit limit of $5,000 or more
- below that you get cashRewards at 1.5%)
Welcome offer: Spend $2,500 within 90 days of account opening and you could get rewarded with $250 bonus cash. Plus, get a low intro APR when you transfer a balance within 60 days of account opening.
- 5
TD Double Up℠ Credit Card
TD Bank · Visa- Annual fee
- $0
- Overall score
- 57
- Flat rate
- 2% on everything
- Unlimited 2% Cash Back on all eligible purchases
Welcome offer: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
- 6
Wells Fargo Active Cash®
Wells Fargo · Visa- Annual fee
- $0
- Overall score
- 57
- Flat rate
- 2% on everything
- 2% back on all purchases
Welcome offer: Earn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
- 7
PenFed Power Cash Rewards® Visa Signature®
PenFed Credit Union · Visa- Annual fee
- $0
- Overall score
- 50
- Flat rate
- 2% on everything
- 2% cash back on all purchases (Honors Advantage with checking or military)
- 1.5% (standard)
Welcome offer: $100 statement credit after $1,500 spend in first 90 days
- 8
U.S. Bank Smartly™ Visa Signature® Credit Card
U.S. Bank · Visa- Annual fee
- $0
- Overall score
- 45
- Flat rate
- 2% on everything
- Unlimited 2% cash back on all purchases
- 9
Synchrony Premier World Mastercard
Synchrony Bank · Mastercard- Annual fee
- $0
- Overall score
- 45
- Flat rate
- 2% on everything
- Unlimited 2% cash back on every purchase
- 10
Fidelity® Rewards Visa Signature® Credit Card
Elan Financial Services · Visa- Annual fee
- $0
- Overall score
- 45
- Flat rate
- 2% on everything
- 2% cash back on all purchases when redeemed to eligible Fidelity account (2 points per dollar).
- 11
Fifth Third Preferred Cash/Back Card
Fifth Third · Mastercard- Annual fee
- $0
- Overall score
- 45
- Flat rate
- 2% on everything
- Exc for FIfth Third Preferred Banking Clients: Unlimited 2% cash back on all purchases
- 12
Fifth Third 1.67% Cash/Back Card
Fifth Third · Mastercard- Annual fee
- $0
- Overall score
- 41
- Flat rate
- 1.67% on everything
- 1.67% cash back on all purchases
- 13
Bank of America® Unlimited Cash Rewards credit card
Bank of America · Visa- Annual fee
- $0
- Overall score
- 63
- Flat rate
- 1.5% on everything
- Unlimited 1.5% cash back on all purchases.
Welcome offer: $250 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening
- 14
cashRewards
Navy FCU · Visa- Annual fee
- $0
- Overall score
- 52
- Flat rate
- 1.5% on everything
- 1.5% cash back on all purchases
Welcome offer: Spend $2,500 within 90 days of account opening and you could get rewarded with $250 bonus cash. Plus, get a low intro APR when you transfer a balance within 60 days of account opening.
- 15
Quicksilver Rewards
Capital One · Mastercard- Annual fee
- $0
- Overall score
- 51
- Flat rate
- 1.5% on everything
- Unlimited 1.5% back on all purchases
Welcome offer: Earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
- 16
Alliant Visa® Signature Credit Card
Alliant Credit Union · Visa- Annual fee
- $0
- Overall score
- 39
- Flat rate
- 1.5% on everything
- Unlimited 1.5% cash back on every purchase
- 17
QuicksilverOne Rewards
Capital One · Visa or Mastercard- Annual fee
- $39
- Overall score
- 38
- Flat rate
- 1.5% on everything
- Unlimited 1.5% cash back on every purchase
- 18
Quicksilver Rewards for Good Credit from Capital One
Capital One · Visa- Annual fee
- $0
- Overall score
- 35
- Flat rate
- 1.5% on everything
- Unlimited 1.5% cash back on all purchases
How this page is built
Live consumer cards whose main earn rate is one flat rate on all purchases, at 1.5% or more, with no higher bonus category except bookings through the issuer’s own travel portal. Store, business, student and secured cards are left out. Sorted by the flat rate, then by each card’s overall score (final_score_blended). Partner (affiliate) links never change which cards appear or their order; an Apply button may become a labelled partner link, but the ranking is the same either way.
Card details come from our database, which is verified against each issuer’s own website; see our methodology, editorial policy and corrections policy.
Questions, answered from the data
Which flat-rate cash back card ranks highest right now?
Robinhood Gold Card (Robinhood Credit) has the highest overall score among the 18 flat-rate cash back cards we compared, followed by PNC Cash Unlimited® and Citi Double Cash® Card.
What is the highest flat cash back rate?
3% on everything, from Robinhood Gold Card. Next: 2% (10 cards), 1.67% (1 card), 1.5% (6 cards). Check each card’s terms for conditions such as a linked account or membership.
Do flat-rate cash back cards charge an annual fee?
17 of the 18 flat-rate cards in our database have a $0 annual fee.
How often is this list updated?
The site rebuilds whenever card data changes in our database and at least once a month. This page was built from data checked October 21, 2026. Always confirm current terms on the issuer’s site.