What is Flat-Rate Rewards?
Credit Card Glossary · Updated April 2026
A rewards structure that earns the same rate on all purchases regardless of category. For example, 2% cash back on everything. Simple to use — no tracking categories or activating bonuses. Popular flat-rate cards include the Citi Double Cash and Wells Fargo Active Cash.
Frequently asked questions
What is Flat-Rate Rewards?⌄
A rewards structure that earns the same rate on all purchases regardless of category.
What does Flat-Rate Rewards mean on a credit card?⌄
A rewards structure that earns the same rate on all purchases regardless of category. For example, 2% cash back on everything. Simple to use — no tracking categories or activating bonuses. Popular flat-rate cards include the Citi Double Cash and Wells Fargo Active Cash.
What terms are related to Flat-Rate Rewards?⌄
Closely related concepts include Cash Back, Bonus Category. Each of these helps clarify different aspects of the same topic.
Where does Flat-Rate Rewards apply?⌄
Flat-Rate Rewards is a rewards concept. It typically appears in the context of earning and redeeming rewards.
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