Best cards for Flat bonus tier
Open cards ranked for this spend. Select another category to switch the list.
The top 5 open cards in each category. The rate is the published category bonus, or the flat rate earned on that spend. Points and miles are ranked at about 1 cent each. Matching rates break toward a lower annual fee, then verified terms. Cards closed to new applicants are omitted. Card library collected 2026-10-09. Full catalog and terms.
Spending categories
GroceriesBest rate6%Amex Blue Cash PreferredGas & EVBest rate5%AAA Travel AdvantageDiningBest rate4xU.S. Bank Altitude GoOnline shoppingBest rate5%Amazon Prime VisaTravelBest rate10xCiti Strata PremierDrugstoresBest rate3%AAA Daily AdvantageWholesale clubsBest rate3%AAA Daily AdvantageStreamingBest rate6%Amex Blue Cash Preferred
More categories
Chosen retailersBest rate3xRobinhood Gold CardDepartment storesBest rate5%U.S. Bank Cash+ElectronicsBest rate5%U.S. Bank Cash+EntertainmentBest rate5%Capital One QuicksilverFlat bonus tierBest rate3xRobinhood Gold CardHome improvementBest rate3%BofA Customized Cash RewardsMobile walletBest rate3xRobinhood Gold CardRotating categoriesBest rate5%Chase Freedom FlexTargetBest rate5%Target Circle CardTop eligible categoryBest rate3xRobinhood Gold CardTransitBest rate5%U.S. Bank Cash+UtilitiesBest rate5%Chase Ink Business CashWalmartBest rate5%OnePay CashRewards (Walmart)
Top 5
| Card | Rate | Annual fee | Verified | Apply |
|---|---|---|---|---|
| Robinhood Gold CardCoastal Community Bank | 3xFlat rate on this category · Requires Robinhood Gold ($50/yr or $5/mo); waitlist/invite-only · points ≈1¢/pt baseline | $0 | Verified | Apply |
| Alliant Cashback VisaAlliant Credit Union | 2.5%First $10,000/month at Tier One rate, then 1.5% · Tier One requires Alliant High-Rate Checking + eStatements + monthly electronic deposit + $1,000 avg daily… | $0 | Unverified | Apply |
| Citi Double CashCiti | 2%Flat rate on this category | $0 | Verified | Apply |
| Fidelity Rewards VisaElan Financial | 2xFlat rate on this category · Full 2% requires deposit into eligible Fidelity account · points ≈1¢/pt baseline | $0 | Verified | Apply |
| Wells Fargo Active CashWells Fargo | 2%Flat rate on this category | $0 | Verified | Apply |
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