Consumers Cash Back Mastercard®

This card is built for someone who wants uncomplicated cash back with no annual fee and no category tracking. It works best as a simple everyday card for general spending, especially if you value predictability more than bonus categories or travel perks.

Annual Fee

Rec. Credit Score

Good

Good For

Simple flat-rate cash back

How to Apply Estimate your value

All information about Consumers Cash Back Mastercard® has been collected independently by MaxRewards. Consumers Cash Back Mastercard® is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Consumers Cash Back Mastercard® worth it?

This card is great for...

Everyday purchases

No-fee cash back

Single-card simplicity

The Consumers Cash Back Mastercard® is worth a look if your main goal is straightforward cash back on everything you buy. A flat 1.5% back rate is easy to use, there is no annual fee to offset, and you do not have to think about rotating categories, transfer partners, or benefit enrollment.

That said, this is a practical card more than a high-value one. If you spend heavily and want to maximize rewards, many no-annual-fee cards now offer 2% cash back or richer bonus categories. This card makes the most sense for someone who prefers a simple setup and is comfortable trading higher upside for a no-fuss experience.

MaxRewards Verdict

A solid fit for cardholders who want steady cash back with no annual fee and no complexity. Its main limitation is simple: the 1.5% return is easy to live with, but not especially competitive if rewards are your top priority.

Earning

Rewards

The rewards structure here is as simple as it gets: cash back at the same rate on every purchase. That makes this card easy to understand, though the real question is whether 1.5% is enough for your spending compared with other no-fee options.

CategoryRate

Everywhere

1.5%

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

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