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How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

Best Flat-Rate Cashback and Rewards Cards

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

If you don’t want to deal with a cashback card that has rotating cashback categories, or have to keep track of which specific categories earn higher rewards such as supermarket or gas station spending, a flat-rate cashback credit card can make your life easier.

Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, we’ve selected some of the best flat-rate credit cards that offer from 1.5% cash back per $1 spent (or 1.5 points or miles per $1 spent) to 2.5% cash back. Of the credit cards on this list, the majority are consumer cards, while some are small business cards.

Best 2.5% cashback credit card

Alliant Cashback Visa® Signature Credit Card

Rewards: Earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000). This is the highest cashback rate we could find on any flat-rate credit card. Note that to earn 2.5% back, you’ll need to meet the requirements for an Alliant High-Rate Checking account for each month of the preceding calendar quarter, and will need to maintain an average daily balance of $1,000 in that account for each month of the preceding calendar quarter as well, according to Alliant’s website. Otherwise, you’ll earn just 1.5% back on all purchases.

Sign-up bonus: No bonus.

Annual fee: $0.

Other benefits: This card comes with a bunch of benefits that can come in handy when you travel, including roadside assistance, auto rental collision damage waiver and travel accident coverage. There are also select Visa Signature® benefits such as travel accident insurance and concierge services. Note that this is a credit union card, so you’ll have to join Alliant Credit Union. If you don’t meet the standard membership requirements, there is an option to join Alliant’s partner charity (Alliant will contribute the required $5 on your behalf) to become eligible.

Best 2% cashback credit cards

Citi® Double Cash Card – 18 month BT offer

Disclosures |
Citi® Double Cash Card
Citi® Double Cash Card – 18 month BT offer
on Citibank's secure site
N/A
13.99% – 23.99% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
660 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There’s no limit on how much cash back you can earn and you can redeem your cash back as a statement credit, by direct deposit or check or convert it to Citi ThankYou® points.

Sign-up bonus: No bonus.

Annual fee: $0

Other card details: This card is a good choice for people looking to get out of debt. There’s an intro APR of 0% for 18 months on balance transfers. After, a 13.99% – 23.99% (variable) APR applies. That is a great length of time for you to pay off transferred debt. The balance transfer fee is 3% of each balance transfer; $5 minimum.

Fidelity® Rewards Visa Signature® Card

Rewards: Unlimited 2% cash back on everyday purchases.

Sign-up bonus: Receive 10,000 bonus points — which equals $100 cash back, when deposited into an eligible Fidelity account — after making at least $1,000 in eligible purchases within the first 90 days of account opening.

Annual fee: $0

Other benefits: This card offers Visa Signature® benefits that include a dedicated concierge available to assist with a variety of requests, from booking travel to buying concert tickets. There are also special shopping and travel benefits that may include discounts at select merchants and best available rate guarantee at hotels.

PayPal Cashback Mastercard®

Rewards: Get 2% cash back every day, every purchase, every time you use your card.

Sign-up bonus: No bonus.

Annual fee: $0

Other benefits: The PayPal Cashback Mastercard® comes with Mastercard benefits such as ID Theft Protection, which offers an online monitoring dashboard you can activate and a team of identity theft resolution specialists you can call 24/7.

Capital One Spark Cash Plus

Disclosures |
Capital One Spark Cash Plus
Capital One Spark Cash Plus
on Capital One's secure site
N/A
N/A
$150
2% Cash Back on every purchase
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month
700 700

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Rewards: Earn 2% cash back on every purchase.

Sign-up bonus: Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.

Annual fee: $150.

Other benefits: This card offers year-end spending summaries, purchase records that can be downloaded in multiple formats (including Quicken, QuickBooks and Excel), roadside assistance, and a foreign transaction fee of none.

Capital One Spark Miles for Business

Disclosures |
Capital One Spark Miles for Business
Capital One Spark Miles for Business
on Capital One's secure site
N/A
20.99% (Variable)
$0 intro for first year; $95 after that
2 Miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Rewards: Earn 2 miles per $1 on every purchase, everywhere.

Sign-up bonus: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

Annual fee: $0 intro for first year; $95 after that.

Other benefits: Earn 5X miles per $1 spent when booking hotels and car rentals through Capital One Travel. Plus, receive one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee when you use your Capital One Spark Miles for Business.

Best 1.5% cashback and rewards cards

Capital One Quicksilver Cash Rewards Credit Card

Disclosures |
Capital One® Quicksilver® Card
Capital One Quicksilver Cash Rewards Credit Card
on Capital One's secure site
0% intro on purchases for 15 months
14.99% - 24.99% (Variable)
$0
1.5% Cash Back on every purchase, every day
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


Rewards: Earn 1.5% Cash Back on every purchase, every day.

Sign-up bonus: Get a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Annual fee: $0

Other benefits: Benefits include extended warranty protection, travel accident insurance and a foreign transaction fee of None.

Chase Freedom Unlimited®

Disclosures |
Chase Freedom Unlimited®
Chase Freedom Unlimited®
on Chase's secure site
0% Intro APR for 15 months
14.99% - 23.74% Variable
$0
Earn 5% cash back on travel purchased through Chase, 3% on dining
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Rewards: Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. And if you have a Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can transfer rewards earned on the Chase Freedom Unlimited® to your Sapphire card, then redeem for extra value for travel through the Ultimate Rewards portal.

Annual fee: $0

Other benefits: Earn 5% cash back on Lyft rides through March 2022. And get a complimentary membership in DashPass for three months — a service from DoorDash that provides unlimited deliveries for a $0 delivery fee on orders over $12. Note that after your complimentary membership ends, you’ll be automatically enrolled in DashPass at 50% off for the next nine months. Activate the benefit by Dec. 31, 2021.

Disclosures |
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
on Chase's secure site
N/A
15.99% - 22.99% Variable
$95
5X points on travel purchased through Chase Ultimate Rewards®, 3X points on
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


Disclosures |
Chase Sapphire Reserve®
Chase Sapphire Reserve®
on Chase's secure site
N/A
16.99%-23.99% Variable
$550
5X total points on air travel and 10X total points on hotels
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Discover it® Miles

Disclosures |
Discover it® Miles
Discover it® Miles
on Discover's secure site
0% Intro APR for 14 months on purchases
11.99% - 22.99% Variable APR
$0
Automatically earn unlimited 1.5x Miles on every dollar of every purchase -
  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
670 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Rewards: Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.

Sign-up bonus: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Annual fee: $0

Other benefits: The Discover it® Miles offers benefits including alerts if your Social Security number is found on the Dark Web (you must sign up), free access to your FICO® Score and the ability to freeze and unfreeze your card in case you misplace it.

American Express Cash Magnet® Card

Rewards: Earn unlimited 1.5% cash back on your purchases. Cash back earned will be applied as a statement credit.

Welcome offer: Get a $200 back after spending $2,000 or more in purchases with your card within the first 6 months of card membership..

Annual fee: $0 

Other benefits: Benefits include car rental loss and damage insurance, free two-day shipping when you shop online with ShopRunner and special access to events such as concerts, Broadway shows and sporting events.

USAA® Preferred Cash Rewards Visa Signature® Card

Rewards: Earn 1.5% cash back on all qualifying purchases.

Sign-up bonus: None

Annual fee: $0

Other benefits: When you enter active military duty, get a special 4% APR on any existing balances. That’s better than the 6% APR required by the Servicemembers Civil Relief Act. Note that you must be a USAA member in order to apply for this card.

PenFed Power Cash Rewards

Rewards: Get 2% cash back on all purchases for PenFed Honors Advantage Members, or 1.5% cash back on all purchases.

Sign-up bonus: Receive a $100 bonus when you spend $1,500 in the first 90 days.

Annual fee: $0

Other card details: The PenFed Power Cash Rewards’s regular purchase APR is 14.99%-17.99% variable. If you qualify for the lower end of that range, that’s a low interest rate compared with many competing cashback cards, and has the potential to save you money if you need to roll over a balance once in awhile. While you can apply without being a Pentagon Federal Credit Union member, you’ll need to join, open a Savings/Share Account and deposit at least $5 before you can get the credit card.

Capital One Spark Cash Select - $500 Cash Bonus

Disclosures |
Capital One Spark Cash Select - $500 Cash Bonus
Capital One Spark Cash Select - $500 Cash Bonus
on Capital One's secure site
N/A
13.24% - 19.24% (Variable)
$0
1.5% Cash Back on every purchase
  • Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • $0 fraud liability if your card is lost or stolen
  • No foreign transaction fees
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Rewards: Earn 1.5% Cash Back on every purchase.

Sign-up bonus: Earn a $500 cash back once you spend $4,500 on purchases within the first 3 months from account opening.

Annual fee: $0

Other benefits: Get employee cards at no cost, year-end summaries, and purchase records that can be downloaded in multiple formats (such as Quicken, QuickBooks and Excel).

Capital One® Spark® Miles Select for Business

Rewards: Earn 1.5 Miles per $1 on every purchase.

Sign-up bonus: Get a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.

Annual fee: $0

Other benefits: Earn 5X miles per $1 spent when booking hotels and car rentals through Capital One Travel with the card. Get purchase records you can download in multiple formats, including Quicken, QuickBooks and Excel.

Is an annual fee worth it for your cashback card?

In some cases, you might wonder if an annual fee is worth higher rewards, such as when comparing the Capital One Spark Miles for Business vs. the Capital One® Spark® Miles Select for Business or the Capital One Spark Cash Select - $500 Cash Bonus. To help you decide, we put together a table showing the tipping point where the annual fee becomes worth it.

2% cash back vs. 1.5% cash back (business cards)

Annual spendingNet cash back earned when using a 2% cashback card with a $95 annual feeNet cash back earned when using a 1.5% cashback card with a $0 annual fee
$1,000-$75$15
$5,000$5$75
$10,000$105$150
$15,000$205$225
$20,000$305$300
$25,000$405$375

The information related to the Alliant Cashback Visa® Signature Credit Card, Fidelity® Rewards Visa Signature® Card, PayPal Cashback Mastercard®, American Express Cash Magnet® Card, USAA® Preferred Cash Rewards Visa Signature® Card, PenFed Power Cash Rewards and Capital One® Spark® Miles Select for Business have been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.