Annual Fee
$0
Foreign Txn Fee
3%
Credit Needed
Good to Excellent (690+)
APR
18.49%, 24.49%, or 28.49% variable
Rewards Categories
2x (2%) Unlimited cash rewards on all purchases
Benefits
Flat 2% cash rewards, no categories to track
Cell phone protection: up to $600, 2 claims per 12 months ($25 deductible)
Visa Signature Concierge and Luxury Hotel Collection
Cash rewards never expire while account is open
No annual fee
Welcome Bonus
$200 cash rewards bonus after spending $500 in first 3 months
Pros & Cons
Pros
Flat 2% on everything is one of the highest no-fee flat rates available
No categories or activation required, ever
Decent cell phone protection bundled in
Cons
3% foreign transaction fee limits international use
No bonus categories for people who concentrate spending in dining/groceries
Best For / Worst For
Best For
Anyone wanting the simplest possible high flat-rate cash back card
Worst For
International travelers due to the foreign transaction fee
Reward Valuation
Cash back redeemed dollar-for-dollar — 2 cents per dollar spent, no valuation guesswork.
Travel Protections
Travel and Emergency Assistance
24/7 access while traveling
Insurance Benefits
Cell Phone Protection
Up to $600/claim, 2 claims per 12 months, $25 deductible
Approval Odds
Generally requires good to excellent credit (690+).
Historical Welcome Offers
June 2026
$200 bonus after $500 spend in 3 months
2025
$200 bonus after $500 spend in 3 months
User Reviews
March 2026
My go-to flat rate card
I use this for anything that doesn't fit a bonus category on my other cards. 2% flat is hard to beat with no fee.
— W.H.
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Last verified June 2026