Madeen encyclopedia

Flat-rate rewards credit cards

Madeen lists 20 indexable flat-rate rewards credit cards in our catalog snapshot, ranked by effective earn rate. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

20 related cards

LAST REVIEWED • snapshot 2026-06-01

Which flat-rate rewards credit cards are in the Madeen catalog?

Top effective rate among matches: Aven Rewards Visa® at 6%. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Ranked by Madeen effective rate in each card's strongest category. Issuer terms control current offers.

Card Issuer Top category Effective rate Annual fee
Aven Rewards Visa Coastal Community Bank Grocery 6% $0
USALLIANCE Financial Visa Signature USALLIANCE Financial Grocery 6% $0
Baxter Credit Union Travel Rewards+ Visa Baxter Credit Union Travel 5% $95
crypto.com Obsidian Community Federal Savings Bank Dining 5% $0
Best Western Rewards Mastercard FNBO Dining 4.6% $0
Best Western Rewards Premium Mastercard FNBO Dining 4.6% $0
1st Source Bank Visa Travel Rewards+ 1st Source Bank Gas 4% $99
A+ Federal Credit Union Visa Travel Rewards+ A+ Federal Credit Union Gas 4% $99
Abby Bank Visa Travel Rewards+ Abby Bank Gas 4% $99
Air Academy Credit Union Visa Travel Rewards+ Air Academy Credit Union Gas 4% $99
Alerus Visa Travel Rewards+ Alerus Gas 4% $99
Allegiance Credit Union Visa Travel Rewards+ Allegiance Credit Union Gas 4% $99
Alliance Credit Union Visa Travel Rewards+ Alliance Credit Union Gas 4% $99
AllSouth Federal Credit Union Visa Travel Rewards+ AllSouth Federal Credit Union Gas 4% $99
American Savings Bank Visa Travel Rewards+ American Savings Bank Gas 4% $99
Ameris Bank Visa Travel Rewards+ Ameris Bank Gas 4% $99
AmeriServ Financial Visa Travel Rewards+ AmeriServ Financial Gas 4% $99
Amplify Credit Union Visa Travel Rewards+ Amplify Credit Union Gas 4% $99
Associated Bank Visa Travel Rewards+ Associated Bank Gas 4% $99
AurGroup Financial Credit Union Visa Travel Rewards+ AurGroup Financial Credit Union Gas 4% $99

Frequently asked questions

What is Flat-rate rewards credit cards?

Flat-rate rewards credit cards in the Madeen credit card encyclopedia. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Does Madeen guarantee approval or bonus eligibility?

No. Madeen summarizes public catalog and issuer information for education. Approval, offers, and benefit enrollment are controlled by issuers and can change. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Issuer names, card product names, and related marks are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, or endorsed by any card issuer. Madeen is an independent credit-card comparison and education service.

Madeen analysis. Data from catalog snapshot 2026-06-01. Last reviewed 2026-06-01. Reviewed by Madeen editorial review. Issuer pages control rewards, fees, benefits, and eligibility.

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