Best Credit Cards That Offer Flat Rate Rewards For All Spending

By Christina Majaski. Last updated 22 February 2019. 0 comments

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Are you tired of playing games with your credit cards in order to earn rewards? Some credit cards offer bonus rewards at certain categories of merchants, and it can be difficult to know for sure which purchases or stores will qualify. To make matters worse, some of these cards limit the amount of rewards you can earn each month, each quarter, or each year. Finally, other credit cards make it even more difficult to earn rewards by constantly changing the types of purchases that are eligible for a bonus, and requiring you to login and "activate" the new bonus categories each quarter.

If you are ready to get off of this bonus rewards merry-go-round, consider these reward credit cards that offer a flat rate of return on all purchases, all of the time.

Bank of America® Travel Rewards credit card

Earn 1.5 points for each dollar spent with the Bank of America® Travel Rewards credit card. New cardholders get 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening, which can be redeemed for $250 statement credit toward travel purchases. Cardholders who have an active Bank of America® checking or savings account get a 10% customer points bonus on every purchase. Preferred Rewards clients receive even more -- from 25% to 75%. There is no annual fee for this card and no foreign transaction fees.

Click here to learn more and apply for the Bank of America® Travel Rewards credit card today!

American Express Cash Magnet™ Card

The American Express Cash Magnet™ Card offers unlimited 1.5% cash back on your purchases. Also, new cardholders can earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Terms apply. There is no annual fee for this card. See Rates & Fees.

For rates and fees of the American Express Cash Magnet™ Card, please click here.

Click here to learn more and apply for the American Express Cash Magnet™ Card today!

Citi® Double Cash Card - 18 month BT offer

When the Citi® Double Cash Card - 18 month BT offer from our partner Citi was introduced, it quickly became one of the leading cash back credit cards on the market. It offers 2% cash back on purchases — 1% cash back at the time of purchase, and another 1% cash back on the balance paid. There is no limit to the amount of rewards that you can earn. Other benefits include extended warranty coverage, purchase protection, and Citi’s exclusive Price Rewind which finds price drops on items you’ve purchased within 60 days and gives you a refund on the difference. There is no annual fee for this card.

Click here to learn more and apply for the Citi® Double Cash Credit Card - 18 month BT offer today!

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