Truist Enjoy Cash 1.5%

This is about as simple as a card gets: a flat 1.5% cash back on everything, no annual fee, no foreign transaction fees, and 0% intro APR for 12 months on both purchases and balance transfers. The intro window is the strongest part of the offer, giving you a year to pay down a transferred balance or spread out a large purchase before the rate moves to 18.74% to 27.74%. Where it gets more interesting is the Loyalty Cash Bonus: redeeming into an eligible Truist deposit account adds 10% to 50% to your rewards depending on your combined balances, which can push the effective rate above 1.5%. Without that relationship, though, 1.5% flat is below what several no annual fee cards pay, and this one carries no signup bonus to close the gap. Consider it if you already bank with Truist or want the 12 month runway; otherwise there are better flat-rate options.