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 vitality to accrue bank card factors effectively. Mounted-rate rewards cards earn a flat price on all purchases, and plenty of supply a good 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.
If you happen to 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 travel items — extra on that in a bit.
Finest 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 Venture Rewards Credit Card.
Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening.
In response to TPG’s January 2025 valuations, Capital One miles are price 1.85 cents per mile, making this welcome bonus price $1,388.
Annual payment: $95
Incomes price: Earn 5 Capital One miles on inns, trip leases and automobile leases booked by means 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 is determined by whether or not you wish to use them for items, procuring or journey.
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For starters, you may redeem Capital One miles at fixed 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 worth of no less than 1 cent per mile.
Nevertheless, in case you’re keen to dive just a little deeper, you will get much more worth out of your miles by transferring them to airline and hotel partners. We estimate Capital One miles to be price 1.85 cents every if you redeem your rewards this fashion.
Need assistance transferring Capital One miles to companions? We have you coated — this guide walks you thru how one can 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 review of the Capital One Venture Rewards card.
Study extra: Capital One Venture Rewards Credit Card
Chase Freedom Limitless
When used strategically, the Chase Freedom Unlimited® generally is a highly effective fixed-rate card.
Welcome bonus: Earn a further 1.5% money again on every part you purchase (on as much as $20,000 spent within the first 12 months), price as much as $300 in money again.
Annual payment: $0
Incomes price: 5% again on journey bought by means of 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 prospects: The Chase Freedom Limitless is a cash-back model card. You possibly can transfer the rewards you earn with the Chase Freedom Limitless to varied airline and lodge companions in case 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 study extra, learn our full review of the Chase Freedom Unlimited.
Apply right here: Chase Freedom Unlimited
Citi Double Money Card
The Citi Double Cash® Card (see rates and fees) is a good choice 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 payment: $0
Incomes price: Earn 1% again if you make a purchase order and 1% again if you repay that buy. You may successfully get 2% again for all bills. Plus, earn 5% whole money again on lodge, automobile leases and points of interest booked by means of CitiTravel.com by means of Dec. 31, 2025.
Redemption prospects: Incomes 2% on every part is a strong return — and few playing cards are simpler than this incomes construction.
Nevertheless, much like the Chase Freedom Limitless, the rewards you earn with the Citi Double Money are much more precious than they seem. If you happen to maintain a Citi card with entry to their valuable transfer partners, you may switch your rewards to squeeze much more worth out of them.
To study extra, learn our full review of the Citi Double Cash.
Apply right here: Citi Double Cash Card
The Blue Enterprise Plus Credit score Card from American Categorical
If you happen to’re available in the market for a enterprise card, The Blue Business® Plus Credit Card from American Express is a unbelievable choice.
Welcome supply: Earn 15,000 factors after spending $3,000 in purchases within the first three months from account opening.
In response to TPG’s January 2025 valuations, this welcome bonus is price $300.
Annual payment: $0 (see rates and fees)
Incomes price: 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 simplest methods to redeem factors should not essentially the most effective. For instance:
- Use Amex Pay with Factors to guide airfare by means of Amex Journey at 1 cent per level
- Buy present playing cards for between 0.5 cents and 1 cent every (relying on the service provider)
- Reimburse bank card costs 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 in your Amex factors by transferring them to airline and hotel partners (round 2 cents in worth per level, on common, in response to TPG’s valuations).
Try our full information on Amex Membership Rewards points to see how a lot worth these rewards maintain.
To study extra, learn our full review of the Blue Business Plus card.
Apply right here: The Blue Business Plus Credit Card from American Express
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 by means of affords 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 lodge companions.
Associated: Guide to transferring points and miles to airlines and hotels
For charges and charges of the Amex Blue Enterprise Plus card, click on here.
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