Every time you swipe a credit card, the merchant pays a fee in the neighborhood of 3%. Businesses that want to be profitable will factor those costs into the price of the products and services they offer.
It doesn’t get any simpler than getting a flat percentage back on every dollar you spend. These cards are ideal for the person who wants to have one card to use on everything. It’s simplicity at it’s finest.
The Chase Freedom Unlimited card offers up to $300 bonus from an extra 1.5% back on your first $20,000 in purchases in the first 12 months. The card also offers 3% back on restaurant and drugstore purchases, and a flat 1.5% cash back on all other purchases.
The Capital One Quicksilver Cash Rewards Card will also get you 1.5% back on all purchases. Like the others above, there is no annual fee, and like the HSBC card, there are no foreign transaction fees when using this card outside of the United States.