Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Best No Fee Credit Cards (2017)

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

Credit cards with no annual fee, sometimes referred to simply as 'no fee cards', are great choices for consumers that may not make a lot of purchases. They are also a great option as a supplemental card, for consumers looking to squeeze extra value out of a specific segment of spending. We take a look at the best fee free card options out there and help you figure out what to look for in a no annual fee credit card. Also take a look at our advice on whether a fee free option is best in the first place, as well as other best practices if you're looking for a supplemental credit card.

The Best No Annual Fee Credit Cards

We hand picked the following cards from our database of over 300 credit cards that include America's largest banks and credit unions. In each category, we announce the no annual fee credit card that we consider best, and a runner up.

Best No Annual Fee Travel Credit Card: Discover it® Miles

The Discover it® Miles is one of our favorite annual fee credit cards for two reasons – its high all around rewards and its unique bonus. First, the card gives you 1.5 miles on all your purchases, which translates to a strong 1.5% rewards rate. You get $1 for every 100 miles you've earned. The miles can be used as statement credit or cash back. The choice is yours. As a bonus, the Discover it® Miles doubles all the rewards new cardmembers have earned at the end of their first year. Therefore, the card effectively has a 3% rewards rate throughout your first year on all your purchases. That is one of the most unique bonuses we've seen on any credit card.

The card is also a great travel tool, because it doesn't charge you any foreign transaction fees. You can use your Discover it® Miles whenever you travel abroad. Not only will you not have to worry about paying an annual fee, you also won't have to put up with extra charges for using it outside of the United States. Most credit cards, especially ones that have no annual fee, impose a 3% fee for these types of transactions.

Discover it® Miles Highlights

  • 1.5% rewards rate on all purchases (3% during the first year)
  • No foreign transaction fees
  • Discover it® Miles Review
  • Recommended If: You have very varied spending, and would like a good rewards rate across all purchases

Runner Up: BankAmericard Travel Rewards® Credit Card

The BankAmericard Travel Rewards® Credit Card is another solid 1.5% rewards rate credit card, made all the better if you have an existing Bank of America bank account. Depending on how much money you have deposited or invested through BofA, you are eligible for a bonus between 10% and 75% on all the points you earn. Surprisingly, very few credit cards offer these types of relationship bonuses. The 10% boost to your rewards is quite easy to get too. It only requires you to have a Bank of America checking or savings account. That boosts this card's permanent rewards rate to 1.65%, beating even the Discover it® Miles.

Unfortunately, to get the really good relationship bonuses (between 25% and 75%) you need to have a lot of money invested in BofA -- starting at $20,000.

BankAmericard Travel Rewards® Credit Card Highlights

  • 1.5% rewards rate on all spending. 1.65% if you have a Bank of America checking or savings account
  • Early Spend bonus of 20,000 miles after you spend $1,000 within the first 3 months
  • BankAmericard Travel Rewards® Credit Card Review
  • Recommended If: You are currently a Bank of America customer

Best No Annual Fee Cash Back Credit Card: Citi® Double Cash Card - 18 month BT offer

Currently, no other no-annual-fee credit card provides higher fixed cash back on all categories than the Citi® Double Cash Card - 18 month BT offer. This card will give you 1% back when you make a purchase, and then another 1% back when that purchase is paid off. This type of reward structure makes the Citi® Double Cash Card - 18 month BT offer perfect for people who don't want to spend time thinking about optimizing their points or rewards. All you have to do is swipe and collect your high cash back rewards, without having to worry about rewards or caps.

One downside of the Citi® Double Cash Card - 18 month BT offer is its lack of a welcome bonus - unusual even for a no annual fee credit card. As a result, this card is best in the long-term. After reaching about $20,000 in purchases, this card will beat out some of its other fixed rate competitors, such as the Capital One® Quicksilver® Cash Rewards Credit Card and the Barclaycard CashForward™ World Mastercard®.

Citi® Double Cash Card - 18 month BT offer Highlights

Runner Up: Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards Credit Card is a surprisingly rewarding option as it pertains to cash back, with 1.5% returned to you on all your spending. That's a pretty nifty deal when you compare it to other credit cards, many of which are less rewarding and restrict you to things like travel or gift card redemptions.

With all these great features, there has to be a catch right? Sort of. In return for its great features, Capital One® markets the card primarily to consumers with excellent credit. If your credit score is not up to these standards however, don't worry there are other options. The QuicksilverOne® has the same great rewards and is targeted to those with average credit, but does come with a small annual fee of $39 dollars.

Capital One® Quicksilver® Cash Rewards Credit Card Highlights

Best No Annual Fee Rewards Credit Card: Chase Freedom®

If you don't mind spending a little bit of time managing your credit card and where you spend your money, the Chase Freedom® has the potential to give you the best rewards at no annual fee. The card gives you 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. What puts the Chase Freedom® above most of its competition is the fact that the rewards come in the form of Chase Ultimate Rewards® platform. When combined with other premium credit cards, like the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve℠, you can supercharge this card's rewards points, and get even higher returns.

The downside to all of this is that it does require a little bit of management on the part of the cardholder. If you don't have the patience or organizational skills to keep track of what bonus categories are currently going on, or whether you activated this card's rewards, this card will be almost worthless. However, if you put in the work, this card has the potential to be more rewarding than any other one on this list.

Chase Freedom® Highlights

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • $150 bonus for new card members if you spend $500 on purchases within the first 3 months
  • Chase Freedom® Review
  • Recommended If: You are good at keeping track of the changing categories

Runner Up: Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is an excellent pick for anyone who typically shops at supermarkets, gas stations and department stores. These are the categories this card specializes in, and it provides some of the best rewards we've seen there among cards that charge no annual fee. When you sign up, you'll get 3% back at U.S. supermarkets, up to $6,000 per year in purchases. You also get 2% back at U.S. gas stations and select U.S. department stores, including Nordstrom, Saks Fifth Avenue and J.C. Penney.

Another reason the Blue Cash Everyday® Card from American Express makes it onto our list is its good sign up bonus. Users get $150 cash back after they spend $1,000 on purchases within the first 3 months. Most of the cards with no annual fee we've seen typically give out rewards between $50 and $100, so the bonus on the Blue Cash Everyday® Card from American Express is significantly better.

Blue Cash Everyday® Card from American Express Highlights

  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases
  • Blue Cash Everyday® Card from American Express Review
  • Recommended If: You spend a lot on gas and groceries

Best No Annual Fee Business Credit Cards

Generally speaking, the top business credit cards have annual fees. However, if you run a small operation, your day to day expenses may not be large enough to justify getting one of those cards. There are a handful of good no-annual-fee small business credit cards that may give you some decent rewards. In this section, we highlight two such offers.

Capital One® Spark® Cash Select for Business

Businesses looking for a no annual fee option can look towards another Capital One® offering, the Capital One® Spark® Cash Select for Business. Like the Quicksilver®, the Capital One® Spark® Cash Select for Business rewards you with 1.5% on all purchases made by you or your employees. This is a fantastic rate on overall spending, without the hassle of worrying about spending categories.

If your business does rack up a significant amount of expenses however, there may be better options that come with an annual fee. The Capital One® Spark® Cash for Business will reward your company with both a bigger bonus and 2% cash back on purchases in exchange for $59 annually. Consider this as an option if your company is spending more than $12,000 each year on the credit cards.

Capital One® Spark® Cash Select for Business Highlights

  • 1.5% Cash Back On All Spending
  • $200 bonus for new accounts if your business spends $3,000 on purchases within the first 3 months
  • Capital One® Spark® Cash Select for Business Review
  • Recommended If: You have varied businesses expenses that aren't just tied to traditional office costs

Ink Business Cash℠ Credit Card

Like the Chase Freedom®, the Ink Business Cash℠ Credit Card holds a lot of reward potential -- more than most business credit cards. However, to get the most out of this card, your business will need to put up with certain restrictions. The Ink Business Cash℠ Credit Card provides 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. These are very traditional business expenses, if you operate out of an office. Also, this card 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants. This can be nice if you do a lot of driving around, or need to take clients or co-workers out to lunches or dinners.

Ink Business Cash℠ Credit Card Highlights

  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Ink Business Cash℠ Credit Card Review
  • Recommended If: You have varied businesses expenses that aren't just tied to traditional office costs

Summary of the Best No Annual Fee Credit Cards

In case you want another quick look at all our picks, and what makes them great, take a look at the following table.

Best For…

Card
TravelDiscover it® Miles
Travel (Runner Up)BankAmericard Travel Rewards® Credit Card
Cash BackCiti® Double Cash Card - 18 month BT offer
Cash Back (Runner Up)Capital One® Quicksilver® Cash Rewards Credit Card
RewardsChase Freedom®
Rewards (Runner Up)Blue Cash Everyday® Card from American Express
Businesses With Varied ExpensesCapital One® Spark® Cash Select for Business
Businesses With Office ExpensesInk Business Cash℠ Credit Card

We graphed the estimated value of each of the consumer cards above to help you see how they compare on the short-term and long-term horizon. Keep in mind your rewards will likely vary. This graph is based on consumer expenditure data from the Bureau of Labor Statistics. Note that we excluded the businesses credit cards from this graph.

Compare No Annual Fee Consumer Credit Cards

If you're not satisfied with our list of best no annual fee cards and want to perform your own comparison of no annual fee credit cards use our tool below. We've included all the cards that have no annual fee to help you in your search. By changing your spending patterns yo can see how each card performs. Use our tool to find out how each card rewards you over time, or look at details regarding bonuses, interest rates and other factors.

Edit Monthly Spend: $1,430
General:
Gas:
Groceries:
Airlines:
Hotel:
Dining:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Discover it® Miles
$0 2.15%
$257
Discover will match all the Miles you've earned at the end of your first year. Bonus Miles - For example, if you earn 30,000 Miles, you get 60,000 Miles.
$772
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
257 x $0.01 = $257
Total Net Estimated Rewards Through 24 Months 772
Barclaycard CashForward™ World Mastercard®
$0 1.99%
$200
Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
$715
Graph Card Read Review More Details
Annual Fee $0
APR 15.99%, 20.99% or 25.99% Variable

Card Details

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases.
  • Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 715
BankAmericard Travel Rewards® Credit Card
$0.00 1.99%
$200
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit towards travel purchases
$715
Graph Card Read Review More Details
Annual Fee $0.00
APR 15.99% - 23.99% Variable APR on purchases
*Rates and Fees

Card Details

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 715
Wells Fargo Cash Wise Visa® Card
$0 1.99%
$200
Earn $200 cash rewards bonus after spending $1,000 in the first 3 months
$715
Graph Card Read Review More Details
Annual Fee $0
APR 13.99%-25.99% (Variable)

Card Details

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 715
PayPal Cashback Mastercard®
No Annual Fee 1.91%
$0
$686
Graph Card More Details
Annual Fee No Annual Fee
APR 16.99%, 24.99% or 27.99% Variable

Card Details

  • No annual fee
  • No restrictions on the type of purchases you can make to earn cash back
  • No rotating categories to keep track of, just 2% cash back on every purchase, every day
  • Redeem your Cash Rewards directly into your PayPal balance
  • Requires PayPal account
  • No redemption threshold

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 686 x $1 = $686
Total Net Estimated Rewards Through 24 Months 686
United℠ TravelBank Card
$0 1.85%
$150
$665
Graph Card Read Review More Details
Annual Fee $0
APR 16.99% - 23.99% Variable

Card Details

  • $150 in TravelBank cash after you spend $1,000 on purchases in the first 3 months your account is open
  • Earn 2% in TravelBank cash per $1 spent on airline tickets purchased from United
  • Earn 1.5% in TravelBank cash per $1 spent on all other purchases
  • No foreign transaction fees
  • Enjoy 25% back as a statement credit on purchases of food and beverages onboard United-operated flights, when you pay with your United TravelBank Card.
  • TravelBank cash is easy to use. $1 in TravelBank cash = $1 when used toward the purchase of a United ticket.
  • Your TravelBank cash accumulates in your United TravelBank account on United.com. There's no limit to how much TravelBank cash you can earn.
  • $0 Annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 665
Capital One® Quicksilver® Cash Rewards Credit Card
$0 1.85%
$150
Get $150 bonus after spending $500 within the first 3 months
$665
Graph Card Read Review More Details
Annual Fee $0
APR 13.99% - 23.99% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 665
Chase Freedom Unlimited®
$0 1.85%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening;Earn a $25 Bonus when you add your first authorized user and make a purchase within this same 3-month period
$665
Graph Card Read Review More Details
Annual Fee $0
APR 15.99% - 24.74% Variable

Card Details

  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 665
JetBlue Card
$0 1.76%
$110
$635
Graph Card Read Review More Details
Annual Fee $0
APR 12.99%, 20.99% or 25.99% variable

Card Details

  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
  • Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn and share points together with Family Pooling
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 47,760 x $0.011 = $525
Bonuses
10,000 x $0.011 = $110
Total Net Estimated Rewards Through 24 Months 635
Wells Fargo Propel American Express® Card
$0 1.93%
$200
Earn 20,000 bonus points after spending $1,000 in the first 3 months
$694
Graph Card More Details
Annual Fee $0
APR 13.99%-25.99% (Variable)

Card Details

  • Earn 20,000 bonus points after spending $1,000 in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 49,440 x $0.01 = $494
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 694
TRIO℠ Credit Card
No Annual Fee 1.89%
$100
Get a $100 bonus after you spend $1,000 within 90 days of opening a new account.
$681
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.24% to 23.24% Variable

Card Details

  • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back rewards on all other purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 58,080 x $0.01 = $581
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 681
Capital One® VentureOne® Rewards Credit Card
$0 1.75%
$200
Receive 20,000 miles once you spend $1,000 within the first 3 months
$629
Graph Card Read Review More Details
Annual Fee $0
APR 12.99% - 22.99% (Variable)

Card Details

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 42,900 x $0.01 = $429
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 629
U.S. Bank Cash 365™ American Express® Card
No Annual Fee 1.71%
$100
Cardholders who have a qualifying U.S. Bank product and spend $500 within the first 3 months of account opening receive $100
$615
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.74% - 23.74% Variable

Card Details

  • Earn unlimited 1.5% cash back on eligible net purchases
  • New cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
  • Unlimited cash back
  • Cash back never expires
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 615
The Choice Privileges® Visa® Card
No Annual Fee 1.65%
$62
Earn 8,000 bonus points after your first purchase
$593
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 15.24%, 19.99% or 24.99% Variable

Card Details

  • Earn 8,000 bonus points after your first purchase
  • Earn 24,000 bonus points after your first paid stay at any Choice Privileges location
  • 15 points for every $1 spent at Choice Privileges locations
  • 5 points for every $1 spent on additional Choice Privileges points or Choice Hotel gift card purchases
  • 2 points for every $1 spent otherwise
  • Cardmembers automatically get Elite Gold status
  • Book award and free nights twenty days before other members
  • 10% point bonus on points earned for eligible stays at Choice Privileges locations
  • Redeem points for reward nights at over 1,500 hotel locations, gift cards for a variety of merchants, donations, and memberships

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.008 = $531
Bonuses
8,000 x $0.008 = $62
Total Net Estimated Rewards Through 24 Months 593
ThankYou® Preferred Credit Card
$0* 1.52%
$150
Earn 15,000 bonus ThankYou points after you spend $1,000 in the first 3 months
$548
Graph Card Read Review More Details
Annual Fee $0*
APR 14.49% - 24.49%* (Variable)
*Rates and Fees

Card Details

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.49% - 24.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Bonuses
15,000 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 548
American Express® Blue Sky
No Annual Fee 1.55%
$100
Earn 7,500 bonus points after you spend $1,000 in the first 3 months
$556
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee No Annual Fee
APR 17.24%, 20.24% or 22.24% Variable

Card Details

  • Earn 7,500 bonus points after you spend $1,000 in the first 3 months
  • 1 point for every $1 spent
  • Points can be redeemed in the form of statement credit, gift cards, merchandise and used toward travel: flights, hotel stays, car rentals, cruises, and for any travel package
  • Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events
  • Extended warranty and protection for purchases made on the card

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.013 = $456
Bonuses
7,500 x $0.013 = $100
Total Net Estimated Rewards Through 24 Months 556
Citi® Hilton HHonors™ Visa Signature® Card
No Annual Fee 1.69%
$200
Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
$607
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 15.99% 19.99% Variable

Card Details

  • Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months
  • 6 HHonors Bonus Points for every $1 spent on hotel stays within Hilton Portfolio
  • 3 HHonors Bonus points for every $1 spent at supermarkets, drugstores & gas stations
  • 2 points for every $1 spent otherwise
  • HHonors silver status with fast-track to HHonors Gold status after 4 stays within your first 90 days of cardmembership
  • Receive HHonors Silver Status for free

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 81,360 x $0.005 = $407
Bonuses
40,000 x $0.005 = $200
Total Net Estimated Rewards Through 24 Months 607
TD Cash Credit Card
Image of TD Cash Credit Card No Annual Fee 1.38%
$100
$150 cash back when you spend $500 within 90 days after account opening
$498
Graph Card More Details
Annual Fee No Annual Fee
APR 13.99% or 23.99% Variable

Card Details

  • $150 cash back when you spend $500 within 90 days after account opening
  • 2% cash back on dining purchases from your local deli to fast food, coffee shops, casual restaurants and fine dining
  • 1% cash back on all other eligible purchases
  • No foreign transaction fee
  • 0% introductory APR for first 12 billing cycles after account opening. After that, 13.99%, 18.99% or 23.99%

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 498
PNC Cash Rewards℠ Visa®
No Annual Fee 1.88%
$0
$100 bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening
$677
Graph Card More Details
Annual Fee No Annual Fee
APR 13.74% to 23.74% Variable

Card Details

  • 4% cash back on gas station purchases (in-store and at the pump)
  • 3% cash back on dining purchases at restaurants, including fast food
  • 2% cash back on grocery store purchases
  • 1% cash back on all other purchases
  • 2-4% rewards are capped at $8,000 in combined purchases each account anniversary year.
  • $100 bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 677 x $1 = $677
Total Net Estimated Rewards Through 24 Months 677
Discover it® ­- Cashback Match™
$0 1.43%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514
Discover it® ­- 18 Month Balance Transfer Offer
$0 1.43%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514
Discover it® chrome
$0 1.43%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514
NHL® Discover it® Card
$0 1.43%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514
Discover it® for Students
$0 1.43%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details
Annual Fee $0
APR 13.99% - 22.99% Variable

Card Details

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514
Discover it® chrome for Students
$0 1.43%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card More Details
Annual Fee $0
APR 13.99% - 22.99% Variable

Card Details

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514
Discover it® Secured Card ­- No Annual Fee
$0 1.43%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details
Annual Fee $0
APR 23.99% Variable

Card Details

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514
Chase Freedom®
$0 1.37%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
$493
Graph Card Read Review More Details
Annual Fee $0
APR 15.99% - 24.74% Variable

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 493
Susan G. Komen® Credit Card
Image of Susan G. Komen® Credit Card $0.00 1.86%
$150
$150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$668
Graph Card More Details
Annual Fee $0.00
APR 13.99% - 23.99% Variable APR on purchases
*Rates and Fees

Card Details

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen ® has received more than $7 million from Bank of America from this program since 2009.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 518 x $1 = $518
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 668
Priceline Rewards™ Visa Card
No Annual Fee 1.09%
$50
Earn 5,000 points after your first purchase
$393
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.99%, 19.99% or 24.99% Variable

Card Details

  • 5 points for every $1 spent on priceline.com purchases
  • 1 point for every $1 spent otherwise
  • Redeem points for statement credits against purchases made on the Priceline credit card: can be used to pay for flights, hotel stays, car rentals, gift cards, or any other purchase on the card
  • Reward redemptions begin at $25
  • Get 10% points back every time you redeem points for statement credits toward eligible priceline.com or travel purchases of $25 or more made in the last 120 days

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 393
Amazon.com Rewards Visa Card
No Annual Fee 1.32%
$30
$30 Amazon.com Gift Card
$476
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.24% - 22.24% Variable

Card Details

  • $30 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon approval
  • 3% cash back at Amazon.com
  • 2% cash back at gas stations, restaurants, and drugstores
  • 1% cash back on all other purchases
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.01 = $446
Bonuses
0 x $0.01 = $30
Total Net Estimated Rewards Through 24 Months 476
Citi® ThankYou® Preferred Credit Card for College Students
$0* 1.18%
$25
Earn 2,500 bonus ThankYou points after you spend $500 within the first 3 months
$423
Graph Card Read Review More Details
Annual Fee $0*
APR 15.49% - 25.49%* (Variable)
*Rates and Fees

Card Details

  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Bonuses
2,500 x $0.01 = $25
Total Net Estimated Rewards Through 24 Months 423
The Plenti® Credit Card from Amex
No Annual Fee 1.18%
$25
Get 5,000 bonus Plenti points when you spend $250 in purchases within 3 months of account opening
$423
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee No Annual Fee
APR 15.74% - 25.74% Variable

Card Details

  • Get 5,000 bonus Plenti points when you spend $250 in purchases within 3 months of account opening
  • 3 points at US supermarkets (on up to $6,000 per year in purchases), 2 at US restaurants and 1 on other purchases for each eligible dollar spent

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Bonuses
2,500 x $0.01 = $25
Total Net Estimated Rewards Through 24 Months 423
MLB® Credit Card
Image of MLB® Credit Card No Annual Fee 1.72%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$618
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 518 x $1 = $518
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 618
REI Credit Card
Image of REI Credit Card No Annual Fee 1.45%
$100
$100 REI gift card upon approval and first purchase within 60 days of account opening
$522
Graph Card More Details
Annual Fee No Annual Fee
APR 11.24% to 23.24% Variable

Card Details

  • REI gift card upon approval and first purchase
  • 5% back at REI
  • 2% back on Grocery purchases through 03/31/2017
  • 1% back everywhere else

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 42,240 x $0.01 = $422
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 522
World Wildlife Fund Credit Card
Image of World Wildlife Fund Credit Card No Annual Fee 1.72%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$618
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 518 x $1 = $518
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 618
U.S. Pride® Credit Card
Image of U.S. Pride® Credit Card No Annual Fee 1.72%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$618
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 518 x $1 = $518
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 618
Norwegian Cruise Line® World MasterCard® Credit Card
No Annual Fee 1.23%
$100
Earn 10,000 Bonus WorldPoints® points if you make your first transaction in the first 60 days
$443
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 12.99% - 22.99% Variable

Card Details

  • Earn 10,000 Bonus WorldPoints® points if you make your first transaction in the first 60 days
  • 2x points per $1 on Norwegian purchases
  • 1 point per $1 on everything else
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 443
Ally CashBack Credit Card
No Annual Fee 1.58%
$100
Receive a $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
$570
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24%, 18.24% or 23.24% Variable

Card Details

  • 2% cash back at gas stations and grocery stores
  • 1% cash back on all other purchases
  • $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
  • 10% Ally Deposit Bonus when you deposit your cash rewards into an eligible Ally Bank account

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 47,040 x $0.01 = $470
Bonuses
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 570
Royal Caribbean® Credit Card
No Annual Fee 1.23%
$100
Earn 10,000 MyCruise Points after first qualifying transaction
$443
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 12.99% to 22.99% Variable

Card Details

  • 2 MyCruise Points per $1 on onboard purchases and qualifying Royal Caribbean, Celebrity and Azamara purchases
  • 1 point per $1 on all other purchases.
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 443
BankAmericard Cash Rewards™ for Students
Image of BankAmericard Cash Rewards™ for Students No Annual Fee 1.23%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$443
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 443
Blue Cash Everyday® Card from American Express
$0 1.80%
$100
Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
$650
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0
APR 13.99%-24.99% Variable
*Rates and Fees

Card Details

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 550 x $1 = $550
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 650
BankAmericard Cash Rewards™ Credit Card
$0.00 1.23%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$443
Graph Card Read Review More Details
Annual Fee $0.00
APR 13.99% - 23.99% Variable APR on purchases
*Rates and Fees

Card Details

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 443
The Amex EveryDay® Credit Card from American Express
$0 1.45%
$100
Earn 10,000 Membership Rewards® Points after you make $1,000 in purchases with your new Card in the first three months.
$522
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0
APR 13.99%-23.99% Variable
*Rates and Fees

Card Details

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 23.99%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 42,240 x $0.01 = $422
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 522
Barclaycard Visa® with Apple Rewards
Image of Barclaycard Visa® with Apple Rewards No Annual Fee 1.11%
$0
$398
Graph Card More Details
Annual Fee No Annual Fee
APR 14.99%, 20.99% or 27.99% Variable

Card Details

  • Earn 3 points for every $1 spent at Apple
  • Earn 2 points for every $1 spent at restaurants
  • Earn 1 point for every $1 spent on all other purchases
  • Special financing on purchases made at Apple within the first 30 days of account opening
  • $0 fraud liability protection
  • Global assistance services
  • No annual fee
  • Earn Apple Store or iTunes gift cards for every 2,500 points you earn, automatically receive a $25 Apple Store or iTunes gift card

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.01 = $398
Total Net Estimated Rewards Through 24 Months 398
PNC CashBuilder® Visa Credit Card
No Annual Fee 1.19%
$0
$429
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24% to 22.24% Variable

Card Details

  • 1.25% to 1.75% cash back depending on how much you spend or your banking relationship with PNC
  • Earn between 1.25% and 1.75% cash back on all purchases, depending on how much you spend
  • Redemptions start at $50
  • Rewards don't expire
  • $0 Fraud Liability

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 429 x $1 = $429
Total Net Estimated Rewards Through 24 Months 429
BP Visa® Credit Card
No Annual Fee 1.68%
$0
$603
Graph Card More Details
Annual Fee No Annual Fee
APR 27.24%

Card Details

  • Introductory Offer: Earn 25¢ off** per gallon For every $100 you spend with your BP Visa® Credit Card or BP Credit Card for the first 90 days your account is open (excluding non-BP gas stations)
  • 25¢ off per gallon for every $100 you spend at BP
  • 15¢ off per gallon for every $100 you spend for eligible groceries, dining and travel
  • 5¢ off** per gallon for every $100 you spend everywhere Visa® credit cards are accepted (excluding non-BP gas stations)
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 60,300 x $0.01 = $603
Total Net Estimated Rewards Through 24 Months 603
Holland American Line Rewards Visa Card
No Annual Fee 1.09%
$50
Earn 5,000 points upon first purchase
$393
Graph Card More Details
Annual Fee No Annual Fee
APR 13.99%, 16.99% or 20.99% Variable

Card Details

  • Earn 5,000 points upon first purchase
  • 2 points for every $1 spent on all Holland American purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards towards discounted, reduced, and free cruise redemptions
  • Visa Signature rewards include access to exclusive events and special offers, travel and emergency assistance, travel accident insurance, roadside dispatch, lost luggage reimbursements, and auto rental collision damage waiver

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 393
Disney Rewards Visa® Credit Card
Image of Disney Rewards Visa® Credit Card No Annual Fee 1.09%
$50
Earn a $50 statement credit after first purchase
$393
Graph Card More Details
Annual Fee No Annual Fee
APR 15.99%

Card Details

  • Earn a $50 statement credit after first purchase
  • 1% in Disney Dream Reward Dollars® for every $1 spent
  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $50
Total Net Estimated Rewards Through 24 Months 393
Sony® Card from Capital One®
$0 1.09%
$50
Earn 5,000 bonus points after your first purchase within 90 days of approval
$393
Graph Card More Details
Annual Fee $0
APR 14.99% - 24.99% (Variable)

Card Details

  • Earn 5,000 bonus points after your first purchase within 90 days from account opening
  • 5 points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on movie theaters, movie rentals, music downloads and digital streaming and subscription services
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until March 2018, 14.99% - 24.99% variable APR after that
  • No annual fee

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 393
Carnival World™ MasterCard®
No Annual Fee 1.09%
$50
Earn 5,000 Bonus FunPoints® when you use your card for the first time
$393
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 13.99%, 16.99% - 20.99% Variable

Card Details

  • Earn 5,000 Bonus FunPoints® when you use your card for the first time
  • 2 FunPoints for every $1 spent on all Carnival Cruise Line purchases
  • 1 FunPoint for every $1 spent otherwise
  • Redeem FunPoints towards cruise nights, Sail & Sign purchases onboard, spa or massage packages
  • FunPoints can be redeemed toward nights on Carnival, Princess Cruises, Holland America Line, Costa Cruises, and the Yachts of Seabourn

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 393
Princess Cruises Rewards Visa Card
No Annual Fee 1.09%
$50
Earn 5,000 Bonus Princess Points after your make your first purchase
$393
Graph Card More Details
Annual Fee No Annual Fee
APR 13.99%, 16.99% or 20.99% Variable

Card Details

  • Earn 5,000 Bonus Princess Points after your make your first purchase
  • 2 points for every $1 spent on Princess Cruises purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards towards discounted, reduced, and even free cruise redemptions
  • Points can also be redeemed for special occasions, spa experiences, onboard credits, Princess merchandise, and airfare discounts

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 393
National Geographic Platinum Edition® Visa®
No Annual Fee 1.09%
$50
Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
$393
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 15.99% - 22.99% Variable

Card Details

  • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
  • 2 points per $1 spent on purchases made through National Geographic
  • 1 point per $1 spent eveywhere else
  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 393
Expedia®+ Card from Citi
No Annual Fee 0.97%
$107
Earn 15,000 Expedia+ rewards bonus points after you spend $1,000 on purchases in the first 3 months of account opening
$350
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.99%, 16.99% or 22.99% Variable

Card Details

  • Earn 15,000 Expedia+ rewards bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Earn 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages
  • Earn 1 Expedia+ bonus point per $1 spent on other purchases
  • Automatic Expedia+ silver status
  • No annual Fee
  • One Elite Qualifying Hotel Night towards +gold status for every $2,500 in card spend on any purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.007 = $244
Bonuses
15,000 x $0.007 = $107
Total Net Estimated Rewards Through 24 Months 350
Farmers® Rewards Visa®
No Annual Fee 1.30%
$30
Earn 3,000 points, after making $500 in purchases, outside of Farmers®, within 90 days of account opening
$469
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 13.24%, 17.24% or 20.24% Variable

Card Details

  • Earn 3,000 points, after making $500 in purchases, outside of Farmers®, within 90 days of account opening
  • Earn 3x points on Farmers Products, plus 3x points for gas purchases, 3x points for home improvement purchases, and 1x point everywhere else Visa is accepted
  • 0% introductory APR on all purchases in the first 12 months. After that the APR is 13.24% to 20.24% based on Prime Rate and creditworthiness
  • No annual fee
  • Points never expire

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 43,920 x $0.01 = $439
Bonuses
3,000 x $0.01 = $30
Total Net Estimated Rewards Through 24 Months 469
RCI® Elite Rewards® MasterCard®
No Annual Fee 1.02%
$25
Earn up to 2,500 bonus rewards after your first purchase
$368
Graph Card More Details
Annual Fee No Annual Fee
APR 13.99% or 24.99% Variable

Card Details

  • Earn up to 2,500 bonus rewards after your first purchase
  • 2 points for every $1 spent on RCI purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards toward membership renewals, exchange fees, worldwide travel (flights, car rentals, hotels, etc.), merchandise, gift cards, and RCI Resort Dollars cards

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
2,500 x $0.01 = $25
Total Net Estimated Rewards Through 24 Months 368
Cash Rewards Credit Card
Image of Cash Rewards Credit Card No Annual Fee 1.09%
$0
$391
Graph Card More Details
Annual Fee No Annual Fee
APR

Card Details

  • 5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases in the first 12 months
  • 2% Unlimited Cash Back on qualifying gas and grocery purchases after your introductory bonus cash back
  • 1% Unlimited Cash Back on all other qualifying purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,120 x $0.01 = $391
Total Net Estimated Rewards Through 24 Months 391
Journey® Student Rewards from Capital One®
$0 0.95%
$0
$343
Graph Card Read Review More Details
Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Total Net Estimated Rewards Through 24 Months 343
Gulf Visa® Card
No Annual Fee 1.22%
$0
$439
Graph Card More Details
Annual Fee No Annual Fee
APR 15.99% to 22.99% Variable

Card Details

  • 3 points for every $1 spent on all purchases at a Gulf Station
  • 1 point per $1 everywhere else
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 43,920 x $0.01 = $439
Total Net Estimated Rewards Through 24 Months 439
U.S. Bank Perks+ Visa Signature® Card
No Annual Fee 1.31%
$0
$470
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 11.99% - 21.99% Variable

Card Details

  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns)
  • Earn 1 point for every net dollar spent on everything else
  • Redeem points for brand name merchandise, gift cards, cash back, and airline tickets
  • 24/7 cardmember service
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 47,040 x $0.01 = $470
Total Net Estimated Rewards Through 24 Months 470
TJX Rewards® Credit Card
No Annual Fee 0.95%
$0
$343
Graph Card More Details
Annual Fee No Annual Fee
APR 27.24%

Card Details

  • 10% off your first online or in-store purchase
  • $10 Rewards certificate for every 1,000 points you earn
  • 5 points for each $1 of net purchases made with your TJX Rewards credit card at T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post stores in U.S. and Puerto Rico and online tjxmaxx.com or sierratradingpost.com
  • 1 point per $1 anywhere Mastercard is accepted

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Total Net Estimated Rewards Through 24 Months 343
Savings Secured Visa Platinum Card
No Annual Fee 0.95%
$0
$343
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 6.99%

Card Details

  • Earn 1 Flexpoint reward for each dollar you spend
  • Flexpoints can be earned on any net purchases at the rate of 1 per dollar

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Total Net Estimated Rewards Through 24 Months 343
Best Western Rewards® MasterCard®
No Annual Fee 0.86%
$114
10,000 bonus points after you spend $1,000 in first 3 billing cycles. Also, earn another 10,000 bonus points after you spend total of $3,000 in the first 6 billing cycles
$310
Graph Card More Details
Annual Fee No Annual Fee
APR 16.24% - 23.24% Variable

Card Details

  • 3 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
20,000 x $0.006 = $114
Total Net Estimated Rewards Through 24 Months 310
Navy Federal nRewards Secured Credit Card
No Annual Fee 0.48%
$0
$172
Graph Card More Details
Annual Fee No Annual Fee
APR 8.99%

Card Details

  • Earn 1 nRewards point for each dollar you spend
  • nRewards can be earned on any net purchases at the rate of 1 per dollar

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.005 = $172
Total Net Estimated Rewards Through 24 Months 172
cashRewards Credit Card
No Annual Fee 0.48%
$0
$172
Graph Card More Details
Annual Fee No Annual Fee
APR 8.99%

Card Details

  • Earn 1 nRewards point for each dollar you spend
  • nRewards can be earned on any net purchases at the rate of 1 per dollar

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.005 = $172
Total Net Estimated Rewards Through 24 Months 172
Penfed Promise Visa® Card
No Annual Fee 0.28%
$100
$100 bonus statement credit when you spend $1,500 on purchases in the first 90 days.
$100
Graph Card More Details
Annual Fee No Annual Fee
APR 8.99% to 17.99% Variable

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $100
Total Net Estimated Rewards Through 24 Months 100
BankAmericard® Better Balance Rewards
No Annual Fee 0.00%
$0
$0
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 11.99% - 21.99% Variable

Card Details

  • Earn $25 per quarter to pay down your balance faster when you pay more than the monthly minimum on time each month–that can be up to $100 each year
  • No annual fee
  • 0% Intro APR on purchases and balance transfers for 12 billing cycles

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
Chase Slate®
$0 0.00%
$0
$0
Graph Card Read Review More Details
Annual Fee $0
APR 15.74%-24.49% Variable

Card Details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
BankAmericard® Credit Card for Students
Image of BankAmericard® Credit Card for Students No Annual Fee 0.00%
$0
$0
Graph Card More Details
Annual Fee No Annual Fee
APR 10.99% - 20.99% Variable

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
Capital One® Secured Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details
Annual Fee $0
APR 24.99% (Variable)

Card Details

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
Wells Fargo Platinum Visa® Card
$0 0.00%
$0
$0
Graph Card More Details
Annual Fee $0
APR 16.15%-25.99% (Variable)

Card Details

  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
US Bank College Visa® Card
No Annual Fee 0.00%
$0
$0
Graph Card More Details
Annual Fee No Annual Fee
APR 11.99% - 20.99% Variable

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
US Bank Visa® Platinum Card
No Annual Fee 0.00%
$0
$0
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 10.74% - 22.74% Variable

Card Details

  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.74% - 22.74%
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Fraud Protection: receive notifications of unusual activity, plus zero fraud liability for fraudulent charges

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
Capital One® Platinum Credit Card
$0 0.00%
$0
$0
Graph Card More Details
Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
Citi® Diamond Preferred® Card
$0* 0.00%
$0
$0
Graph Card Read Review More Details
Annual Fee $0*
APR 13.99% - 23.99%* (Variable)
*Rates and Fees

Card Details

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
Citi Simplicity® Card - No Late Fees Ever
$0* 0.00%
$0
$0
Graph Card Read Review More Details
Annual Fee $0*
APR 14.99% - 24.99% (Variable)
*Rates and Fees

Card Details

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee...EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
JCPenney Credit Card
Image of JCPenney Credit Card No Annual Fee 0.00%
$0
$0
Graph Card More Details
Annual Fee No Annual Fee
APR 26.99%

Card Details

  • 0.5% rewards rate on JCPenney Purchases
  • Cannot be used outside of JCPenney

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
BankAmericard Secured Credit Card
Image of BankAmericard Secured Credit Card $39 -0.22%
$0
$-78
Graph Card More Details
Annual Fee $39
APR 20.24%

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Less Annual Fees -$78
Total Net Estimated Rewards Through 24 Months -78

Is A Fee Free Credit Card Your Best Option?

Not having to pay for a credit card may be great, but fee free credit cards may not always be your best option. In exchange for annual fees, other credit cards can offer come with better rewards and benefits that easily overcome the associated fees. Here are some things that you should consider to figure out if a card with no annual fee is the best choice.

Great Option For Supplemental Cards

There is nothing wrong with having multiple credit cards. Most people have more than one. When it comes to having more than one credit card however, whether or not you're paying an annual fee is an important factor. Cards with no annual fees are great to keep around as supplemental credit cards, used only for the extra benefits or rewards they provide. Many of the credit cards associated with department stores or more limited affiliations can be extremely rewarding when used for this specific purpose. With no annual fee, there's no significant downside to keeping it around.

Note: Best Practices For Supplemental No Fee Cards

An important reminder about supplemental cards is that you should still keep track of it. While additional fee free cards won't cost you anything, they do still require added maintenance.

  • Don't lose track of your spending on your additional cards. With your primary card it's very easy to remember to pay the bills since it's a regular process. With supplemental card, don't make the mistake of pulling it out for a small purchase and then forgetting to pay the bill at the end of the month. It's very easy to let this kind of stuff slip your mind. You'd be surprised the damage being overdue on a small balance can do to your credit score.
  • Keep the credit card company up to date with your information. To help keep track of your additional cards, make sure you keep your contact information with the card company up to date. Mailing addresses, emails and phone numbers should be update so statements or outreach can be sent and made. It's hard to remember a bill you have to pay if you never receive it. It's also not the card company's responsibility to track you down if you've moved without notifying them. You probably also don't want your credit card statements being sent to the wrong people as well. It also opens you up to the possibility that when your card expires, the replacement card gets sent to the wrong people. These are all headaches you really don't need
  • **You Can Always Cancel. **If you have a fee free card that you never use, you might consider canceling it. Sure the cards don't cost you anything but sometimes it's easier to keep your financial house in order if there are less accounts to monitor and manage.

As A Primary Card: Depends On How Much You Spend

If you're looking for a new primary spending card, one that you will be using every day, the fee free option may not always be your best choice. While many fee free cards continue to offer rewards on spending, they're generally not as generous as many of the fee-based options. Fee-based credit cards can offer as much as 1% more in rewards, which can add up to a substantial amount over time. A general rule of thumb is if you spend more than $1,000 a month on your primary credit card, then options opened up by paying an annual fee will generally be more lucrative. In addition to the long term rewards rates, the annual fee credit cards usually have much larger signing bonuses, which can easily compensate for any of the annual fees for 2-3 years.

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.