For some folks, monitoring bonus classes and rotating rewards throughout a number of bank cards to earn the utmost factors and miles doable may be overwhelming.
The excellent news is that you do not have to expend a lot power to accrue bank card factors effectively. Mounted-rate rewards playing cards earn a flat price on all purchases, and lots of supply a decent return, simplifying the reward-earning course of should you’re not a fan of monitoring the place, how and which card you are utilizing to make purchases.
In case you like the concept of a streamlined methodology for incomes money again and different rewards, these 4 playing cards exhibit the simplicity of a fixed-rate product. Plus, relying on the cardboard you select, you may additionally have the choice to redeem your rewards for bucket-list journey gadgets — extra on that in a bit.
Greatest fixed-rate rewards playing cards
Capital One Enterprise Rewards Credit score Card
Our first decide for the most effective fixed-rate rewards playing cards is the Capital One Enterprise Rewards Credit score Card.
Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months of account opening.
In line with TPG’s January 2025 valuations, Capital One miles are price 1.85 cents per mile, making this welcome bonus price $1,388.
Annual charge: $95
Incomes price: Earn 5 Capital One miles on accommodations, trip leases and automotive leases booked via Capital One Journey and a pair of miles per greenback on each different buy.
Redemption potentialities: There are many methods to redeem Capital One miles; the way you select to redeem yours depends upon whether or not you need to use them for items, purchasing or journey.
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For starters, you may redeem Capital One miles at mounted values on the following charges:
- Journey — 1 cent per mile
- Reward playing cards — between 0.8 cents and 1 cent per mile
- Purchasing on-line with Amazon or PayPal — 0.8 cents
- Money again — 0.5 cents
These are the choices for individuals who worth simplicity most. The best choice right here is redeeming your miles for journey, as you are assured to get a price of no less than 1 cent per mile.
Nevertheless, should you’re prepared to dive a bit deeper, you will get much more worth out of your miles by transferring them to airline and resort companions. We estimate Capital One miles to be price 1.85 cents every while you redeem your rewards this fashion.
Need assistance transferring Capital One miles to companions? We have got you coated — this information walks you thru learn how to just do that. Plus, you can see how a lot worth there’s in utilizing your miles this fashion.
To study extra, learn our full overview of the Capital One Enterprise Rewards card.
Study extra: Capital One Enterprise Rewards Credit score Card
Chase Freedom Limitless
When used strategically, the Chase Freedom Limitless® could be a highly effective fixed-rate card.
Welcome bonus: Earn an extra 1.5% money again on all the things you purchase (on as much as $20,000 spent within the first yr), price as much as $300 in money again.
Annual charge: $0
Incomes price: 5% again on journey bought via Chase Journey℠, 3% again on eating at eating places (together with takeout and eligible supply providers), 3% again at drugstores and 1.5% again on all different purchases.
Redemption potentialities: The Chase Freedom Limitless is a cash-back type card. You’ll be able to switch the rewards you earn with the Chase Freedom Limitless to varied airline and resort companions should you even have one of many following playing cards:
If you use your rewards this fashion and switch them into transferable Final Rewards factors, TPG’s January 2025 valuations deem them to be price 2.05 cents every.
To study extra, learn our full overview of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Citi Double Money Card
The Citi Double Money® Card (see charges and costs) is a good possibility for anybody searching for a fixed-rate bank card with no bonus classes to trace.
Welcome bonus: Earn $200 money again after spending $1,500 on purchases within the first six months of account opening.
Annual charge: $0
Incomes price: Earn 1% again while you make a purchase order and 1% again while you repay that buy. You will successfully get 2% again for all bills. Plus, earn 5% whole money again on resort, automotive leases and points of interest booked via CitiTravel.com via Dec. 31, 2025.
Redemption potentialities: Incomes 2% on all the things is a strong return — and few playing cards are simpler than this incomes construction.
Nevertheless, just like the Chase Freedom Limitless, the rewards you earn with the Citi Double Money are much more priceless than they seem. In case you maintain a Citi card with entry to their priceless switch companions, you may switch your rewards to squeeze much more worth out of them.
To study extra, learn our full overview of the Citi Double Money.
Apply right here: Citi Double Money Card
The Blue Enterprise Plus Credit score Card from American Specific
In case you’re out there for a enterprise card, The Blue Enterprise® Plus Credit score Card from American Specific is a improbable possibility.
Welcome supply: Earn 15,000 factors after spending $3,000 in purchases within the first three months from account opening.
In line with TPG’s January 2025 valuations, this welcome bonus is price $300.
Annual charge: $0 (see charges and costs)
Incomes price: Earn 2 Membership Rewards factors per greenback on the primary $50,000 in purchases every calendar yr (then 1 level per greenback for different eligible purchases).
Redemption potentialities: Just like the above playing cards, the best methods to redeem factors usually are not essentially the most effective. For instance:
- Use Amex Pay with Factors to guide airfare via Amex Journey at 1 cent per level
- Buy reward playing cards for between 0.5 cents and 1 cent every (relying on the service provider)
- Reimburse bank card prices as an announcement credit score for 0.6 cents every
Once more, there’s worth in simplicity. However you will get an astronomically higher return on your Amex factors by transferring them to airline and resort companions (round 2 cents in worth per level, on common, in line with TPG’s valuations).
Try our full information on Amex Membership Rewards factors to see how a lot worth these rewards maintain.
To study extra, learn our full overview of the Blue Enterprise Plus card.
Apply right here: The Blue Enterprise Plus Credit score Card from American Specific
Backside line
If the psychological gymnastics of rotating bonus classes and promotional incomes charges aren’t your factor, a fixed-rate rewards card is perhaps precisely what you want.
You are assured to earn rewards each time you swipe with out the additional step of rifling via affords and activating them. Plus, with our guides on maximizing your reward earnings, you may improve the worth of your factors by transferring or combining them with airline and resort companions.
Associated: Information to transferring factors and miles to airways and accommodations
For charges and costs of the Amex Blue Enterprise Plus card, click on right here.
