Best Flat-Rate Credit Cards (2026)
Not everyone wants to juggle bonus categories. A flat-rate card pays the same rate (usually 1.5 to 2 percent) on every purchase, which makes it the perfect catch-all for spending that falls outside other cards' bonuses.
We rank flat-rate cards by their base earn rate at a flat 1 cent per point. The best pair beautifully with a couple of category cards to cover the gaps.
Our top picks
1. Robinhood Gold Card 3x on every purchase
The Robinhood Gold Card has a $50 annual fee.
- 3% unlimited cash back on all purchases, no categories, no caps
- 5% cash back on travel booked through Robinhood Travel
2. Capital One Venture X 2x on every purchase
The Capital One Venture X has a $395 annual fee, plus a welcome offer of 75,000 Miles.
3. Capital One Venture 2x on every purchase
The Capital One Venture has a $95 annual fee, plus a welcome offer of 75,000 Miles.
- 2x miles on every purchase, every day
4. Citi Double Cash® 2x on every purchase
The Citi Double Cash® has no annual fee, plus a welcome offer of $200 cash back.
- 2% cash back on everything (1% when you buy + 1% when you pay)
- No category restrictions, earn on every purchase
- 0% intro APR on balance transfers for 18 months
5. TD Double Up Credit Card 2x on every purchase
The TD Double Up Credit Card has no annual fee, plus a welcome offer of $200 cash back.
- Unlimited 2% cash back on all purchases
- 0% intro APR on balance transfers for 15 billing cycles and purchases for 12
6. SoFi Credit Card (Unlimited 2%) 2x on every purchase
The SoFi Credit Card (Unlimited 2%) has no annual fee, plus a welcome offer of No standing welcome bonus (occasional targeted offers).
- Unlimited 2% cash back on all purchases (redeemed into a SoFi account or loan)
- 3% cash back on travel booked through SoFi Travel
Compare the top cards
| Card | Rewards rate | Annual fee | Welcome offer | Details |
|---|---|---|---|---|
| Robinhood Gold Card | 3x on every purchase | $50 | No current offer | Review |
| Capital One Venture X | 2x on every purchase | $395 | 75,000 Miles | Review |
| Capital One Venture | 2x on every purchase | $95 | 75,000 Miles | Review |
| Citi Double Cash® | 2x on every purchase | No annual fee | $200 cash back | Review |
| TD Double Up Credit Card | 2x on every purchase | No annual fee | $200 cash back | Review |
| SoFi Credit Card (Unlimited 2%) | 2x on every purchase | No annual fee | No standing welcome bonus (occasional targeted offers) | Review |
Rewards rates and offers verified July 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator, and check the best current welcome offers for cards running an elevated bonus right now.
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