Flat-rate cash-back credit cards allow you to maximize your spending without the headaches of navigating a complicated rewards program. Cashback is easy to redeem, and with the right rewards cards, ...

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

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