For some folks, monitoring bonus classes and rotating rewards throughout a number of bank cards to earn the utmost factors and miles potential will be overwhelming.
The excellent news is that you do not have to expend a lot vitality to accrue bank card factors effectively. Mounted-rate rewards playing cards earn a flat charge on all purchases, and plenty of supply a decent return, simplifying the reward-earning course of when 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 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 might also 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 perfect 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 charge: Earn 5 Capital One miles on accommodations, trip leases and automobile leases booked by way of Capital One Journey and a pair of miles per greenback on each different buy.
Redemption prospects: There are many methods to redeem Capital One miles; the way you select to redeem yours will depend on whether or not you need to use them for presents, buying or journey.
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For starters, you’ll be able to redeem Capital One miles at fastened 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 many who worth simplicity most. The best choice right here is redeeming your miles for journey, as you are assured to get a worth of at the least 1 cent per mile.
Nevertheless, when you’re prepared to dive a bit deeper, you will get much more worth out of your miles by transferring them to airline and lodge companions. We estimate Capital One miles to be price 1.85 cents every whenever you redeem your rewards this fashion.
Need assistance transferring Capital One miles to companions? We have you coated — this information walks you thru how one can do exactly that. Plus, you can see how a lot worth there’s in utilizing your miles this fashion.
To be taught extra, learn our full evaluation 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® could be a highly effective fixed-rate card.
Welcome bonus: Earn an extra 1.5% money again on every little thing 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 by way of 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 prospects: The Chase Freedom Limitless is a cash-back model card. You may switch the rewards you earn with the Chase Freedom Limitless to numerous airline and lodge companions when you even have one of many following playing cards:
While 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 be taught extra, learn our full evaluation 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 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 charge: Earn 1% again whenever you make a purchase order and 1% again whenever you repay that buy. You may successfully get 2% again for all bills. Plus, earn 5% whole money again on lodge, automobile leases and sights booked by way of CitiTravel.com by way of Dec. 31, 2025.
Redemption prospects: Incomes 2% on every little thing 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. When you maintain a Citi card with entry to their priceless switch companions, you’ll be able to switch your rewards to squeeze much more worth out of them.
To be taught extra, learn our full evaluation of the Citi Double Money.
Apply right here: Citi Double Money Card
The Blue Enterprise Plus Credit score Card from American Categorical
When you’re available in the market for a enterprise card, The Blue Enterprise® Plus Credit score Card from American Categorical is a unbelievable 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 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 prospects: Just like the above playing cards, the best methods to redeem factors will not be essentially the perfect. For instance:
- Use Amex Pay with Factors to ebook airfare by way of 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 higher return in your Amex factors by transferring them to airline and lodge companions (round 2 cents in worth per level, on common, based on 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 evaluation of the Blue Enterprise Plus card.
Apply right here: The Blue Enterprise Plus Credit score Card from American Categorical
Backside line
If the psychological gymnastics of rotating bonus classes and promotional incomes charges aren’t your factor, a fixed-rate rewards card could be precisely what you want.
You are assured to earn rewards each time you swipe with out the additional step of rifling by way of gives and activating them. Plus, with our guides on maximizing your reward earnings, you’ll be able to enhance the worth of your factors by transferring or combining them with airline and lodge companions.
Associated: Information to transferring factors and miles to airways and accommodations
For charges and charges of the Amex Blue Enterprise Plus card, click on right here.
