For some individuals, monitoring bonus classes and rotating rewards throughout a number of bank cards to earn the utmost factors and miles attainable will 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 charge on all purchases, and plenty of provide a decent return, simplifying the reward-earning course of in case you’re not a fan of monitoring the place, how and which card you are utilizing to make purchases.
When you like the concept of a streamlined technique 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 objects — extra on that in a bit.
Finest fixed-rate rewards playing cards
Capital One Enterprise Rewards Credit score Card
Our first decide for the very best 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 inside the first three months of account opening.
Based on 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 charge: Earn 5 Capital One miles on lodges, trip leases and automobile 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, procuring 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
- Present 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 a minimum of 1 cent per mile.
Nevertheless, in case you’re keen 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 if you redeem your rewards this manner.
Need assistance transferring Capital One miles to companions? We have you coated — this information walks you thru how you can just do that. Plus, you can see how a lot worth there’s in utilizing your miles this manner.
To be taught extra, learn our full overview of the Capital One Enterprise Rewards card.
Be taught extra: Capital One Enterprise Rewards Credit score Card
Chase Freedom Limitless
When used strategically, the Chase Freedom Limitless® generally is a highly effective fixed-rate card.
Welcome bonus: Earn an extra 1.5% money again on all the pieces you purchase (on as much as $20,000 spent within the first 12 months), price as much as $300 in money again.
Annual charge: $0
Incomes charge: 5% again on journey bought via Chase Journey℠, 3% again on eating at eating places (together with takeout and eligible supply companies), 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 numerous airline and resort companions in case you even have one of many following playing cards:
Once you use your rewards this manner and switch them into transferable Final Rewards factors, TPG’s January 2025 valuations deem them to be price 2.05 cents every.
To be taught 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 charges) is a superb choice for anybody on the lookout 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 charge: Earn 1% again if you make a purchase order and 1% again if you repay that buy. You will successfully get 2% again for all bills. Plus, earn 5% complete money again on resort, automobile leases and sights booked via CitiTravel.com via Dec. 31, 2025.
Redemption potentialities: Incomes 2% on all the pieces is a strong return — and few playing cards are easier than this incomes construction.
Nevertheless, much like the Chase Freedom Limitless, the rewards you earn with the Citi Double Money are much more priceless than they seem. When 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 be taught 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
When you’re out there for a enterprise card, The Blue Enterprise® Plus Credit score Card from American Specific is a incredible choice.
Welcome provide: Earn 15,000 factors after spending $3,000 in purchases within the first three months from account opening.
Based on TPG’s January 2025 valuations, this welcome bonus is price $300.
Annual charge: $0 (see charges and charges)
Incomes charge: Earn 2 Membership Rewards factors per greenback on the primary $50,000 in purchases every calendar 12 months (then 1 level per greenback for different eligible purchases).
Redemption potentialities: Just like the above playing cards, the simplest methods to redeem factors are usually not essentially the very best. For instance:
- Use Amex Pay with Factors to ebook 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 costs as a press release credit score for 0.6 cents every
Once more, there’s worth in simplicity. However you will get an astronomically better return in your Amex factors by transferring them to airline and resort companions (round 2 cents in worth per level, on common, in response to TPG’s valuations).
Try our full information on Amex Membership Rewards factors to see how a lot worth these rewards maintain.
To be taught 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 may be precisely what you want.
You are assured to earn rewards each time you swipe with out the additional step of rifling via gives and activating them. Plus, with our guides on maximizing your reward earnings, you may enhance 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 lodges
For charges and charges of the Amex Blue Enterprise Plus card, click on right here.
