Best Cash Rewards Card of 2022
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Best Cash Rewards Card of 2023

This is the highest cash back bonus we've seen for a no annual fee card, and the best flat-rate rewards offer.

Bottom Line:

  • $200 cash rewards bonus offer
  • Unlimited
  • on purchases & qualifying balance transfers, then
  • annual fee
  • Click “APPLY NOW” to apply online

Let’s talk about the biggest and best reasons to go for the stellar offer — getting a huge $200 bonus, plus unlimited ! That's right, this card comes with one of the highest introductory bonus offers we've seen: .

We could all use a little extra cash in our pockets right now. What would you do with your $200 Bonus? People love this cash back card because the rewards don't come as "points" that require you to redeem for travel, gift cards, or other complicated methods. As they say, cash is king!

Why We Rate This The Top Cash Back Card

With this no annual fee card, you earn unlimited . That means no matter what you're spending on, you'll earn the same generous rewards rate. No more worrying about rotating categories or annoying monthly caps on the amount of cash you can earn.

Gas stations, groceries, restaurants, and everything in between earns the same stellar cash back rate with no strings attached

Generous 0% Intro APR

When you spend that initial $1,000 to earn your bonus cash, you can do it without worrying about paying it off right away, too. You’ll have a on purchases & qualifying balance transfers, with thereafter. And remember, during your first year of card membership — just like every other year you have the — you’ll never have to worry about coughing up any cash to cover an annual fee.

I simply can’t think of any other no-annual-fee cards with this kind of front-loaded cash.

Who Should Get This Card

  • The is a great fit for most people — who doesn't love a $200 bonus, earning unlimited 2% cash back, no interest for over a year, and no annual fee?
  • It’s also a good fit for those who want the added security of cell phone coverage since life is unpredictable and being without your phone is a nightmare.
  • If you like quick cash and have good to excellent credit, this card’s for you.

Other $200 Cash Rewards Card Options

Not convinced? We think the is the top choice for cash back, but here are two popular alternatives that also have the ability to earn a $200 bonus in the first year.