Best no annual fee credit cards of 2026
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Citi Double Cash® Card
Intro APR: | 0% for 18 months on Balance Transfers |
|---|---|
Ongoing APR: | 18.49% - 28.74% (Variable) |
Rewards: | 2% (cash back) Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. |
Annual Fee: | $0 |
Blue Cash Everyday® Card from American Express
Intro bonus: | As High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply. |
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Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
Ongoing APR: | 19.74%-28.74% Variable |
Rewards: | 1% - 3% (cash back) Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. |
Annual Fee: | $0 |
Terms Apply
Capital One Quicksilver Cash Rewards Credit Card
Intro bonus: | $200 Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
Ongoing APR: | 18.49% - 28.49% (Variable) |
Rewards: | 1.5% - 5% (cash back) 1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel |
Annual Fee: | $0 |
Wells Fargo Reflect® Card
Intro APR: | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers |
|---|---|
Ongoing APR: | 17.74%, 24.24%, or 28.49% Variable APR |
Rewards: | N/A |
Annual Fee: | $0 |
Citi® Diamond Preferred® Card
Intro APR: | 0% for 21 months on Balance Transfers and 12 months on Purchases |
|---|---|
Ongoing APR: | 16.74% - 27.49% (Variable) |
Rewards: | N/A |
Annual Fee: | $0 |
Capital One Quicksilver Secured Cash Rewards Credit Card
Ongoing APR: | 28.99% (Variable) |
|---|---|
Rewards: | 1.5% - 5% (cash back) 1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel |
Annual Fee: | $0 |
Wells Fargo Active Cash℠ Card test test test
Intro bonus: | N/A Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months |
|---|---|
Intro APR: | 0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers |
Ongoing APR: | 14.99%-24.99% (Variable) |
Rewards: | 2% (cash back) Earn unlimited 2% cash rewards on purchases |
Annual Fee: | $0 |
Wells Fargo Active Cash® Card
Intro bonus: | $100 Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months. |
|---|---|
Intro APR: | 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers |
Ongoing APR: | 18.74%, 24.74%, or 28.74% Variable APR |
Rewards: | 2% (Cash Rewards) Earn unlimited 2% cash rewards on purchases. |
Annual Fee: | $0 |
Capital One Platinum Secured Credit Card
Ongoing APR: | 28.99% (Variable) |
|---|---|
Rewards: | N/A |
Annual Fee: | $0 |
American Airlines AAdvantage® MileUp® Card
Intro APR: | 0% for 15 months on Balance Transfers |
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Ongoing APR: | 19.74% - 29.74% (Variable) |
Rewards: | 2x (Miles per dollar) Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights |
Annual Fee: | $0 |
Credit One Bank® Secured Card
Ongoing APR: | 29.74% Variable |
|---|---|
Rewards: | 1% (cash back) Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply. |
Annual Fee: | $0 |
Terms Apply
Capital One Savor Cash Rewards Credit Card
Intro bonus: | $200 Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening |
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Intro APR: | 0% on Purchases and Balance Transfers for 12 months |
Ongoing APR: | 18.49% - 28.49% (Variable) |
Rewards: | 1% - 8% (cash back) 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel, 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases |
Annual Fee: | $0 |
Avant® Cashback Rewards Mastercard®
Ongoing APR: | 35.99%* |
|---|---|
Rewards: | 1% (cash back) Cash back will be awarded as points redeemable for a statement credit |
Annual Fee: | $0* |
Costco Anywhere Visa® Card by Citi
Ongoing APR: | 18.99% - 26.99% (Variable) |
|---|---|
Rewards: | 1% - 5% (cash back) Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases. |
Annual Fee: | $0 |
Capital One VentureOne Rewards Credit Card
Intro bonus: | 20,000 Miles Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
Ongoing APR: | 18.49% - 28.49% (Variable) |
Rewards: | 1.25x - 5x (Miles per dollar) 1.25x Miles per dollar on every purchase, every day, 5x Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel |
Annual Fee: | $0 |
First Latitude Secured Mastercard® Cash Back Rewards
Ongoing APR: | 27.49% Variable |
|---|---|
Rewards: | 1x - 10x (Points per dollar) Earn Up To 10% points on dining |
Annual Fee: | $0 |
Capital One Savor Student Cash Rewards Credit Card
Intro bonus: | $50 Earn $50 Cash Back when you spend $100 in the first three months |
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Ongoing APR: | 18.49% - 28.49% (Variable) |
Rewards: | 1% - 8% (cash back) 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel, 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases |
Annual Fee: | $0 |
AT&T Points Plus® Card from Citi
Intro bonus: | $200 Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening. |
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Ongoing APR: | 19.74% - 27.74% (Variable) |
Rewards: | 1x - 3x (Points per dollar) Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations. Earn 2 ThankYou® Points for every $1 spent at grocery stores and 2 ThankYou® Points for every $1 spent on AT&T products and services. Earn 1 ThankYou® Point for every $1 spent on all other purchases. |
Annual Fee: | $0 |
Capital One Platinum Credit Card
Ongoing APR: | 28.99% (Variable) |
|---|---|
Rewards: | N/A |
Annual Fee: | $0 |
Capital One Quicksilver Student Cash Rewards Credit Card
Intro bonus: | $50 Earn $50 Cash Back when you spend $100 in the first three months |
|---|---|
Ongoing APR: | 18.49% - 28.49% (Variable) |
Rewards: | 1.5% - 5% (cash back) 1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel |
Annual Fee: | $0 |
Capital One Savor Cash Rewards for Good Credit
Ongoing APR: | 28.99% (Variable) |
|---|---|
Rewards: | 1% - 8% (cash back) 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel, 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases |
Annual Fee: | $0 |
Hilton Honors American Express Card
Intro bonus: | 70,000 Points Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 01/13/2027. |
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Ongoing APR: | 19.74%-28.74% Variable |
Rewards: | 3x - 7x (Points per dollar) Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. |
Annual Fee: | $0 |
Terms Apply
Capital One Quicksilver Cash Rewards for Good Credit
Ongoing APR: | 28.99% (Variable) |
|---|---|
Rewards: | 1.5% - 5% (cash back) 1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel |
Annual Fee: | $0 |
Capital One VentureOne Rewards for Good Credit
Ongoing APR: | 28.99% (Variable) |
|---|---|
Rewards: | 1.25x - 5x (Miles per dollar) 1.25x Miles per dollar on every purchase, every day, 5x Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel |
Annual Fee: | $0 |
Credit One Bank® Premier American Express® Unlimited Rewards Card
Ongoing APR: | 29.74% Variable |
|---|---|
Rewards: | 1% (cash back) Earn unlimited 1% cash back rewards on all purchases, terms apply |
Annual Fee: | $0 |
Terms Apply
Delta SkyMiles® Blue American Express Card
Intro bonus: | 10,000 Miles Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. |
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Ongoing APR: | 19.74%-28.74% Variable |
Rewards: | 1x - 2x (Miles per dollar) Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S. Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases. |
Annual Fee: | $0 |
Terms Apply
Citi Simplicity® Card
Intro APR: | 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers |
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Ongoing APR: | 17.74% - 28.49% (Variable) |
Rewards: | N/A |
Annual Fee: | $0 |
Citi Double Cash® Card A007000026
Intro APR: | 0% for 18 months on Balance Transfers |
|---|---|
Ongoing APR: | 17.49% - 27.49% (Variable) |
Rewards: | 2% (cash back) Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. |
Annual Fee: | $0 |
Citi® Diamond Preferred® Card
Intro APR: | 0% for 21 months on Balance Transfers and 12 months on Purchases |
|---|---|
Ongoing APR: | 17.24% - 27.99% (Variable) |
Rewards: | N/A |
Annual Fee: | $0 |
Ollo Everyday Rewards
Ongoing APR: | 23.99%-29.99% Variable |
|---|---|
Rewards: | 1% - 3% (cash back) Unlimited 3% cash back on all gas stations and EV charging stations, grocery store and drugstore purchases. Unlimited 1% cash back on all other purchases. |
Annual Fee: | $0 |
Bank of America® Customized Cash Rewards secured credit card
Ongoing APR: | See Terms |
|---|---|
Rewards: | 1% - 6% (cash back) Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. |
Annual Fee: | $0 |
USAA Credit Card
Intro bonus: | N/A Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. |
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Ongoing APR: | 19.24%, 24.24%, or 29.24% Variable APR |
Rewards: | 1x - 3x (Points per dollar) Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. |
Annual Fee: | $0 |
One Key™ Card
Intro bonus: | $400 Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms. |
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Ongoing APR: | XX.XX%, XX.XX%, or XX.XX% Variable APR |
Rewards: | 1.5x - 3x (Points per dollar) Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 1.5% in OneKeyCash on other purchases. |
Annual Fee: | $0 |
Citi Double Cash® Card
Intro APR: | 0% for 18 months on Balance Transfers |
|---|---|
Ongoing APR: | 18.24% - 28.24% (Variable) |
Rewards: | 2% (cash back) Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. |
Annual Fee: | $0 |
Avant® Cashback Rewards Mastercard®
Ongoing APR: | 29.99%* |
|---|---|
Rewards: | 1% (cash back) Cash back will be awarded as points redeemable for a statement credit |
Annual Fee: | $0* |
Bank of America® Customized Cash Rewards credit card
Intro bonus: | $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days |
Ongoing APR: | 17.49% - 27.49% Variable |
Rewards: | 1% - 6% (cash back) Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. |
Annual Fee: | $0 |
Bank of America® Travel Rewards credit card
Intro bonus: | 25,000 Points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 17.49% - 27.49% Variable |
Rewards: | 1.5x - 3x (Points per dollar) 1.5x points per $1 spent on everyday purchases, 3x points per $1 spent on travel purchases booked through BofA Travel |
Annual Fee: | $0 |
BankAmericard® credit card
Intro APR: | 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days |
|---|---|
Ongoing APR: | 14.99% - 25.99% Variable |
Rewards: | N/A |
Annual Fee: | $0 |
Bank of America® Unlimited Cash Rewards credit card
Intro bonus: | $250 Earn $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 17.49% - 27.49% Variable |
Rewards: | 1.5% (cash back) 1.5% cash back on all purchases |
Annual Fee: | $0 |
SoFi Credit Card
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
|---|---|
Ongoing APR: | 17.99% - 29.99% Variable |
Rewards: | 2% (cash back) Earn 2% unlimited cash back rewards on all purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi. |
Annual Fee: | $0 |
Blue Cash Everyday® Card from American Express
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
|---|---|
Ongoing APR: | 15.24%-26.24% Variable |
Rewards: | N/A |
Annual Fee: | $0 |
Barclaycard Ring® Mastercard®
Ongoing APR: | 14.24% Variable |
|---|---|
Rewards: | N/A |
Annual Fee: | $0 |
LEND714 Citi® / AAdvantage® Gold World Elite™ MasterCard®
Ongoing APR: | 16.49% - 24.49% Variables |
|---|---|
Rewards: | 1% - 5-8% (cash back) This is the rewards tooltip. It is to show the rewards in a tooltip. |
Annual Fee: | $50 (waived for the first 12 months) |
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Ongoing APR: | field_roa_apr_standard |
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Rewards: | N/A field_roa_rewards_tooltip |
Annual Fee: | field_roa_annual_fee_000 |
Sony® Card from Capital One®
Intro bonus: | N/A |
|---|---|
Intro APR: | N/A |
Ongoing APR: | 14.99% - 24.99% (Variable) |
Rewards: | 1x - 5x (Points per dollar) 5x Points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation, 1x Point per $1 spent on all other purchases |
Annual Fee: | $0 |
Capital One® Premier Dining Rewards Credit Card
Ongoing APR: | 15.49% - 24.49% (Variable) |
|---|---|
Rewards: | 1% - 3% (cash back) 3% Cash Back on dining, 2% Cash Back on groceries, 1% Cash Back on all other purchases |
Annual Fee: | $0 |
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Ongoing APR: | field_roa_apr_standard |
|---|---|
Rewards: | N/A field_roa_rewards_tooltip |
Annual Fee: | field_roa_annual_fee_000 |
![[TEST] Discover it® Student Cash Back logo.](/offers/T001Z001.png?c=1790124737784)
[TEST] Discover it® Student Cash Back
Intro bonus: | N/A https://staging.mercuryfinancialcloud.com/gateway/lending-services/api/v1/affiliate/redirect?partnerToken=c7ac9303-efa5-4256-ba0a-309e80178603&segmentId=100&externalOfferId=3894b93c-ea79-11eb-a30d-0e2421776bb5&subid={{REFERENCE_NUMBER}}bah bih buh really aloha |
|---|---|
Intro APR: | 0% on Purchases and 10.99% on Balance Transfers for 6 months |
Ongoing APR: | 16.49% - 25.49% Variable APR |
Rewards: | 1x (Miles per dollar) 123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890 |
Annual Fee: | $0 |
USAA® Rate Advantage Visa Platinum® Card
Ongoing APR: | 8.65% - 25.65% Variable |
|---|---|
Rewards: | N/A |
Annual Fee: | $0 |
Capital One Quicksilver Cash Rewards Credit Card
Intro bonus: | N/A Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
Ongoing APR: | 18.49% - 28.49% (Variable) |
Rewards: | N/A 1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel |
Annual Fee: | $0 |
Discover it® Secured
Ongoing APR: | 24.99% Variable |
|---|---|
Rewards: | 1% - 2% (cash back) 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, 1% unlimited cash back on all other purchases. |
Annual Fee: | $0 |
![[TEST] First PREMIER® Bank Mastercard® Credit Card logo.](/graphics/graphic-offers-placeholder.svg?c=1790124740765)
[TEST] First PREMIER® Bank Mastercard® Credit Card
Intro bonus: | N/A Unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year. |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 14 months |
Ongoing APR: | 11.99% - 22.99% Variable |
Rewards: | 1% - 2% (cash back) Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically. |
Annual Fee: | $0 |
Capital One Quicksilver Cash Rewards Credit Card
Intro bonus: | N/A Earn $300 in welcome bonuses with a limited-time $100 Capital One Travel credit, plus earn $200 cash bonus with $500 spend within 3 months from account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
Ongoing APR: | 18.99% - 28.99% (Variable) |
Rewards: | 5% (cash back) 1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel |
Annual Fee: | $0 |
![[TEST] Capital One Quicksilver Cash Rewards Credit Card TESTV6 logo.](/offers/TA015000072.png?c=1790124746022)
[TEST] Capital One Quicksilver Cash Rewards Credit Card TESTV6
Intro bonus: | N/A $200 Cash Back after you spend $500 on purchases within 3 months from account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
Ongoing APR: | 19.99% - 29.99% (Variable) |
Rewards: | 7% (cash back) 7% Cash Back on every purchase, every day |
Annual Fee: | N/A |
![[TEST] Capital One Platinum Credit CardTESTV6 logo.](/offers/TA015000073.png?c=1790124751758)
[TEST] Capital One Platinum Credit CardTESTV6
Ongoing APR: | 29.99% (Variable) |
|---|---|
Rewards: | N/A |
Annual Fee: | N/A |
![[TEST] Discover it® chrome logo.](/offers/TA018000093.png?c=1790124757540)
[TEST] Discover it® chrome
Intro bonus: | N/A Earn |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 14 months |
Ongoing APR: | 14.24% - 25.24% Variable |
Rewards: | 1% - 2% (cash back) 2% cash back at gas stations & restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically |
Annual Fee: | $0 |
Terms Apply
Bank of America® Customized Cash Rewards credit card for Students
Intro bonus: | N/A $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. |
|---|---|
Intro APR: | N/A |
Ongoing APR: | XX.XX% - XX.XX% Variable APR on purchases and balance transfers |
Rewards: | 7% (cash back) Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. |
Annual Fee: | N/A |
Bank of America® Unlimited Cash Rewards credit card for Students
Intro bonus: | N/A $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. |
|---|---|
Intro APR: | N/A |
Ongoing APR: | XX.XX% - XX.XX% Variable APR on purchases and balance transfers |
Rewards: | N/A Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn. Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open. |
Annual Fee: | N/A |
Bank of America® Travel Rewards credit card for Students
Intro bonus: | N/A 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. |
|---|---|
Intro APR: | N/A |
Ongoing APR: | XX.XX% - XX.XX% Variable APR on purchases and balance transfers |
Rewards: | N/A Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. |
Annual Fee: | N/A |
Mercury® Rewards Visa Signature® Card
Ongoing APR: | 29.99% Variable |
|---|---|
Rewards: | 1% - 3% (cash back) Mercury® Rewards Visa Signature® Card: You will earn 1 point for each $1.00 of qualifying Purchases made less returns. Once you earn 1,000 points you can redeem for cash back reward options or at Amazon.com by enrolling in the Shop with Points program. See Terms within Rates and Fees link for details. |
Annual Fee: | $0 Annual Fee |
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Mercury® Rewards Visa Signature® Card
Intro bonus: | N/A |
|---|---|
Ongoing APR: | 29.99% Variable |
Rewards: | 15x (Points per dollar) Mercury® Rewards Visa Signature® Card: You will earn 1 point for each $1.00 of qualifying Purchases made less returns. Once you earn 1,000 points you can redeem for cash back reward options or at Amazon.com by enrolling in the Shop with Points program. See Terms within Rates and Fees link for details. |
Annual Fee: | $0 Annual Fee |
Mercury® Rewards Visa Signature® Card
Ongoing APR: | 31.99% Variable |
|---|---|
Rewards: | N/A Mercury® Rewards Visa Signature® Card: You will earn 1 point for each $1.00 of qualifying Purchases made less returns. Once you earn 1,000 points you can redeem for cash back reward options or at Amazon.com by enrolling in the Shop with Points program. See Terms within Rates and Fees link for details. |
Annual Fee: | $0 Annual Fee |
Mercury® Rewards Visa Signature® Card
Ongoing APR: | 31.99% Variable |
|---|---|
Rewards: | N/A Mercury® Rewards Visa Signature® Card: You will earn 1 point for each $1.00 of qualifying Purchases made less returns. Once you earn 1,000 points you can redeem for cash back reward options or at Amazon.com by enrolling in the Shop with Points program. See Terms within Rates and Fees link for details. |
Annual Fee: | $0 Annual Fee |
![[TEST] GenAI Summary Test Bank of America® Customized Cash Rewards credit card logo.](/offers/TEST-SZ-MULTIPLE-SCHEDULED.png?c=1790124738874)
[TEST] GenAI Summary Test Bank of America® Customized Cash Rewards credit card
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] Discover it® Secured logo.](/graphics/graphic-offers-placeholder.svg?c=1790124759198)
[TEST] Discover it® Secured
Ongoing APR: | 25.24% Variable |
|---|---|
Rewards: | 1% - 2% (cash back) 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, 1% unlimited cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] Discover it® Secured logo.](/graphics/graphic-offers-placeholder.svg?c=1790124741085)
[TEST] Discover it® Secured
Ongoing APR: | 25.24% Variable |
|---|---|
Rewards: | 1% - 2% (cash back) 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, 1% unlimited cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] SAMU-2071-001 logo.](/offers/TSAMU-2071-001.png?c=1790124769246)
[TEST] SAMU-2071-001
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] SAMU-2071-002 logo.](/offers/TSAMU-2071-002.png?c=1790124755095)
[TEST] SAMU-2071-002
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] SAMU-2071-003 logo.](/offers/TSAMU-2071-003.png?c=1790124770305)
[TEST] SAMU-2071-003
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] SAMU-2071-005 logo.](/offers/TSAMU-2071-005.png?c=1790124761814)
[TEST] SAMU-2071-005
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] SAMU-2071-006 logo.](/offers/TSAMU-2071-006.png?c=1790124765803)
[TEST] SAMU-2071-006
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] SAMU-2073-001 logo.](/offers/TSAMU-2073-001.png?c=1790124746368)
[TEST] SAMU-2073-001
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] SAMU-2073-0015 logo.](/offers/TSAMU-2073-0015.png?c=1790124765702)
[TEST] SAMU-2073-0015
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] SAMU-2073-002 logo.](/offers/TSAMU-2073-002.png?c=1790124769433)
[TEST] SAMU-2073-002
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] SAMU-2073-003 logo.](/offers/TSAMU-2073-003.png?c=1790124745565)
[TEST] SAMU-2073-003
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
![[TEST] SAMU-2073-004 logo.](/offers/TSAMU-2073-004.png?c=1790124748611)
[TEST] SAMU-2073-004
Intro bonus: | N/A Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 3% (cash back) 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases |
Annual Fee: | $0 |
Wells Fargo Reflect® Card
Intro APR: | 0% intro APR for 21 months from account opening on purchases and 0% intro APR for 21 months from account opening on qualifying balance transfers |
|---|---|
Ongoing APR: | 17.24%, 23.74%, or 28.99% Variable APR |
Rewards: | N/A |
Annual Fee: | $0 |
![[TEST] Discover it® Student Cash Back logo.](/graphics/graphic-offers-placeholder.svg?c=1790124751824)
[TEST] Discover it® Student Cash Back
Intro bonus: | N/A |
|---|---|
Intro APR: | 0% on Purchases and 10.99% on Balance Transfers for 6 months |
Ongoing APR: | 17.24% - 26.24% Variable APR |
Rewards: | N/A |
Annual Fee: | $0 |
![[TEST] SAMU-1600-001 logo.](/offers/TSAMU-1600-001.svg?c=1790124758360)
[TEST] SAMU-1600-001
Intro bonus: | N/A Intro bonus |
|---|---|
Intro APR: | 11 |
Ongoing APR: | 111 |
Rewards: | 1% (Cash Rewards) 1 |
Annual Fee: | 1111 |
Short Disclaimer
Bank of America® Travel Rewards credit card
Intro bonus: | N/A 110$ |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 billing cycles |
Ongoing APR: | 18.24% - 28.24% Variable |
Rewards: | 10x (Points per dollar) 1.5x points per $1 spent on all purchases |
Annual Fee: | $0 |
S Disclaimer text_updated
![[TEST] SAMU-1959-003 logo.](/offers/TSAMU-1959-003.png?c=1790124771700)
[TEST] SAMU-1959-003
Intro bonus: | N/A |
|---|---|
Intro APR: | 0% on Purchases and 10.99% on Balance Transfers for 6 months |
Ongoing APR: | 18.24% - 27.24% Variable APR |
Rewards: | N/A |
Annual Fee: | $0 |
![[TEST] U.S. Bank Smartly™ Visa Signature® Card logo.](/offers/TSUM-5.png?c=1790124746782)
[TEST] U.S. Bank Smartly™ Visa Signature® Card
Intro APR: | 0% on Purchases and Balance Transfers for 12 billing cycles |
|---|---|
Ongoing APR: | 18.49% - 28.74% Variable |
Rewards: | 5% (cash back) |
Annual Fee: | $0 |
![[TEST] Citi Rewards+® Card logo.](/graphics/graphic-offers-placeholder.svg?c=1790124757759)
[TEST] Citi Rewards+® Card
Intro bonus: | N/A Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com |
|---|---|
Ongoing APR: | 17.74% - 27.74% (Variable) |
Rewards: | 5% (cash back) Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025. |
Annual Fee: | $0 |
![[TEST] Discover it® Cash Back logo.](/graphics/graphic-offers-placeholder.svg?c=1790124759919)
[TEST] Discover it® Cash Back
Intro bonus: | N/A Dollar-for-dollar match of all cash back earned the first year |
|---|---|
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
Ongoing APR: | 18.24% - 27.24% Variable APR |
Rewards: | 5% (cash back) |
Annual Fee: | $0 |
USAA® Rewards™ Visa Signature® Card
Ongoing APR: | 12.15% - 28.15% Variable |
|---|---|
Rewards: | 1x - 2x (Points per dollar) 2x Points Earn 2X points per dollar spent on gas and dining with no cap, 1x Point Earn 1X points for every dollar spent on all other purchases |
Annual Fee: | $0 |
How to find the best no annual fee credit card
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Consider a 0% APR card
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