Earn up to 3% cash back on your top spend category, 2% on the next, and 1% on the rest. No annual fee. Your card comes with your own unique QR code on the front, so it’s a snap to Venmo friends.

The Mission Lane Cash Back Visa Credit Card has a flat rewards rate and no annual fee, which makes it a good card for someone whose goal is to build or rebuild credit, not accrue piles of points.