Sallie Mae Evolve℠

This card is worth a look if your priority is straightforward cash back with as little maintenance as possible. A flat 1.5% back on all purchases is easy to understand, the $0 annual fee keeps the bar low, and the welcome offer is solid for a no-fee card.

The tradeoff is that the card does not give you much beyond that simplicity. There are no listed bonus categories, travel perks, or statement credits to lift its value for specific types of spending. If you want one card that quietly earns on everything, it can do that job well enough. If you are willing to manage category cards, though, many readers will earn more elsewhere.