Our top pick for the best flat-rate cash back card is the Wells Fargo Active Cash Card, thanks to its unlimited 2% cash back, zero annual fee and 0% introductory offer on purchases and transfers, then a variable APR of 19.49% – 29.49% after that. Overall, flat-rate cash back cards are frequently our top picks for cash back cards because they are good for earning cash back on anything.
Our list includes flat-rate cards tailored to your needs or profile, whether you're working to improve your credit score, looking for promising balance transfer terms or prioritizing simplicity in cash rewards. Explore our selections to find a card that aligns with your financial objectives.