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Flat Rate Rewards Cards

If you are tired of quarterly enrollment which is required by some credit cards that offer rewards in quarterly rotating bonus categories and like to earn simple and straightforward rewards on your purchases, the flat rate rewards cards are definitely your choices. (About Our Partners)

Find out the rewards credit cards below with no rotating categories.

Capital One Venture Rewards Credit Card
Apply for Capital One Venture Rewards Credit Card Online

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
  • Click here for more details on Capital One® Venture® Rewards Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A12.9% - 22.9% (Variable)$0 intro for first year; $59 after that

Capital One Quicksilver Cash Rewards Credit Card
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Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • 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 doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until April 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere
  • Click here for more details on Capital One® Quicksilver® Cash Rewards Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfersuntil April 201612.9% - 22.9% (Variable)$0

Capital One VentureOne Rewards Credit Card
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Capital One® VentureOne® Rewards Credit Card

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until July 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
  • Click here for more details on Capital One® VentureOne® Rewards Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchasesuntil July 201611.9% - 21.9% (Variable)$0

Capital One QuicksilverOne Cash Rewards Credit Card
Apply for Capital One QuicksilverOne Cash Rewards Credit Card Online

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • 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 doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until April 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 2016
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud Coverage if your card is ever lost or stolen
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Click here for more details on Capital One® QuicksilverOne® Cash Rewards Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfersuntil April 201622.9% (Variable)$39

BankAmericard Cash Rewards Credit Card
Apply for BankAmericard Cash Rewards Credit Card Online

BankAmericard Cash Rewards™ Credit Card

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • Click here for more details on BankAmericard Cash Rewards™ Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and qualifying Balance Transfers12 billing cycles12.99% - 22.99% Variable$0

BankAmericard Travel Rewards Credit Card
Apply for BankAmericard Travel Rewards Credit Card Online

BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days - that can be a $100 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Click here for more details on BankAmericard Travel Rewards® Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases12 billing cycles14.99% - 22.99% Variable$0

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