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Top 8 · updated November 1, 2026

Best flat-rate cash back credit cards

One cash-back rate on everything you buy: no categories to track, nothing to activate. Ranked by yearly value after fees.

  1. 1

    Wells Fargo

    Active Cash Credit Card

    2% cash rewards on purchases with no categories to track or quarterly activations

    2% cash back on every purchase

    $624/ yearAnnual fee $0
  2. 2

    Citi

    Citi Double Cash Credit Card

    2% cash back on purchases: 1% when you buy · 1% as you pay, with no category enrollment, caps, or annual fee

    2% cash back on every purchase

    $624/ yearAnnual fee $0
  3. 3

    U.S. Bank

    U.S. Bank Smartly Visa Signature Card

    2% cash back on every purchase with no caps, and up to an additional 2% cash back when paired with qualifying U.S. Bank accounts

    2% cash back on every purchase

    $624/ yearAnnual fee $0
  4. 4

    Bank of America

    Bank of America Unlimited Cash Rewards Credit Card

    1.5% cash back on all purchases

    1.5% cash back on every purchase

    $468/ yearAnnual fee $0
  5. 5

    Chase

    Chase Freedom Rise

    1.5% cash back on all purchases

    1.5% cash back on every purchase

    $468/ yearAnnual fee $0
  6. 6

    Capital One

    Quicksilver Cash Back Rewards Card

    1.5% cash back on every purchase, every day, and rewards don't expire for the life of the account

    1.5% cash back on every purchase

    $468/ yearAnnual fee $0
  7. 7

    Capital One

    Quicksilver Rewards for Good Credit

    1.5% cash back on every purchase, every day

    1.5% cash back on every purchase

    $468/ yearAnnual fee $0
  8. 8

    Capital One

    QuicksilverOne - Unlimited Cash Back Credit Card

    1.5% cash back on every purchase, every day

    1.5% cash back on every purchase

    $429/ yearAnnual fee $39

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

Questions people ask

What is the best flat-rate cash back credit card?

As of November 1, 2026, the Wells Fargo Active Cash Credit Card ranks first, with 2% cash back on every purchase. The Citi Double Cash Credit Card and U.S. Bank Smartly Visa Signature Card come second and third.

How are these flat-rate cash back cards ranked?

One cash-back rate on everything you buy: no categories to track, nothing to activate. Ranked by yearly value after fees. Each card's value is its rewards plus the credits a typical cardholder uses, minus its annual fee; points are converted at conservative cash values. No issuer pays for placement.

Is a card with an annual fee ever worth it?

Only if its extra rewards and credits beat the fee on your own spending. In this list the fee is already subtracted, so a $0-fee card and a $95 card are compared on what they actually leave you with.

Guides

GuideCash Back vs Points: Which Credit Card Rewards Are Worth More?Cash back or points and miles? What a point is worth in cents for each major program, and which kind of card earns more on typical spending.GuideAnnual Fee vs No Annual Fee Credit Cards: When Is the Fee Worth It?When a credit card annual fee pays for itself, with the break-even math and how many fee cards actually beat the best no-fee card on typical spending.

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More rankings

Maintained by . Card details are collected from issuer websites and were last refreshed November 1, 2026. Terms change often; confirm them with the issuer before you apply.