Credit Cards with No Annual Fee

Advertiser Disclosure

A credit card with no annual fee may be ideal for earning rewards, transferring balances, having access to extra funds in case of emergency etc. We help you estimate what profit you may get with each no annual fee credit card over three years. Please compare the best offers available to you based on your credit score and the desired credit card purpose and apply for your card.

My credit is
Good (680-719)
Excellent (720+)
Good (680-719)
Fair (620-679)
Poor/No Credit (up to 619)
and I'm looking for
Any rewards
Any rewards
Cash Back option
Sign-up Bonus
Travel
Balance transfer
Low APR
Student Cards
Business Cards

Different spending categories can give give you different rewards rate.

Adjust this simple spending categories to help us to do the most precise math we can for credit cards.

59 cards found
NHL® Discover it® photo
NHL® Discover it® photo
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NHL® Discover it®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$1,341
We estimate as
  • Card Details
  • 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, unlimited 1% cash back on all other purchases. Terms Apply.
  • No annual fee.
  • No penalty APR.
  • Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TV™subscription when you use your Discover card.
  • Automatic a dollar-for-dollar Cashback Match™ you've earned at the end of your first year.
  • Redeem your rewards for cash in any amount, anytime.
  • Free monthly access to FICO® Score.
  • Freeze it® on/off switch option for your account protection.
  • Pros
  • 5% cash back
  • No annual fee
  • No penalty APR
  • No overlimit fee
  • No foreign transaction fee
  • 0% APR for 14 months
  • Cons
  • Good to excellent credit score required
  • No signup bonus
First Tennessee Platinum Premier® Visa® photo
First Tennessee Platinum Premier® Visa® photo
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First Tennessee Platinum Premier® Visa®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
10%
unlimited cash back
$0
$0
$7,200
We estimate as
  • Card Details
  • No annual fee.
  • Credit lines starting at $5,000.
  • Earn up to 10% cash back on your purchases.
  • Access to First Tennessee Cash Rewards®.
  • 0% Intro APR for the first 12 months, after that variable APRs currently 15.75% - 20.75% on purchases and balance transfers.
  • Can be linked to checking for overdraft protection.
  • Compatible with Apple Pay® for convenient purchases.
  • Pros
  • No Annual Fee
  • Cash back rewards
  • 0% Intro APR for the first 12 months
  • Cons
  • No signup bonus

Our Take

The First Tennessee Platinum Premier® Visa® credit card is a rare balance transfer offer on the market since it has both a 0% APR and no fee for balance transfers. It also offers a cash rewards program, but, if you are planning to carry balance, avoid using the same card for making purchases and transferring balances - it may be costly.

Discover it® Cash Back photo
Discover it® Cash Back photo
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Discover it® Cash Back
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$3,285
We estimate as
  • Card Details
  • No annual fee.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com, Sam's Club and more on up to $1,500 in purchases every quarter you activate.
  • 1% cash back or more on all other purchases.
  • Only Discover automatically matches all the cash back you've earned at the end of your first year.
  • 0% Intro APR for 14 months on purchases and balance transfers.
  • Redeem your rewards for cash in any amount, any time. Your cash back never expires.
  • Paying late won't raise your APR. No late fee for your first late payment.
  • Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases.
  • Pros
  • 5% cash back
  • No annual fee
  • 0% Intro APR for 14 months
  • Cons
  • No sign-up bonus
  • 3% fee for each balance transfer

Our Take

The card has no annual fee, a little tolerance to late payments and an attractive 14-month long balance transfer offer with zero APR. An equal promotional period of zero APR on purchases makes it possible to you to earn rewards while paying down your debt without pitfalls (just mind the gap when APRs differ).

Hilton Honors Card photo
Hilton Honors Card photo
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Hilton Honors Card
This card earns Hilton Honors Points (Hilton Honors program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.8%
3-7 points per $1 spent
$0
$300
50,000 points
$2,028
We estimate as
  • Card Details
  • Earn 50,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership.
  • No annual fee.
  • 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, and at U.S. gas stations.
  • Earn 3X Hilton Honors bonus points on all other eligible purchases.
  • No foreign transaction fees.
  • Enjoy complimentary Hilton Honors Silver status with your Card.
  • Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • Pros
  • Generous signup bonus
  • High rewards rate
  • No annual fee
  • No foreign transaction fee
  • Cons
  • Good to excellent credit score required
Amex EveryDay® Credit Card photo
Amex EveryDay® Credit Card photo
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Amex EveryDay® Credit Card
This card earns Memership Rewards Points (American Express program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.9%
1-2 points per $1 spent
$0
$190
10,000 points
$1,763
We estimate as
  • 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.
  • Plus, earn 5,000 Points after you add your first Additional Card and an Additional Card Member makes a purchase on their Card in your first 3 months.
  • No annual fee. 0% intro APR on purchases and balance transfers for 15 months. After that, your APR will be a variable rate, currently 14.74% - 25.74%, based on your creditworthiness and other factors.
  • 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. Terms and limitations apply.
  • 2x points at US supermarkets on up to $6,000 per year in purchases. Then 1X points on other purchases. Terms and limitations apply.
  • Membership Rewards® program allows to Use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to bank selection of frequent traveler programs.
  • Pros
  • Generous signup bonus
  • No annual fee
  • High rate for rewards
  • 0% on Purchases and Balance Transfers for 15 months
  • Cons
  • Good to excellent credit score required
Premium Cash Back+ photo
Premium Cash Back+ photo
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Premium Cash Back+
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
unlimited cash back
$0
$200
$1,640
We estimate as
  • Card Details
  • With the introductory offer, you will earn a $200 bonus if you spend $3,000 in eligible purchases within 90 days of your SDFCU Premium Cash Back+ Card enrollment date.
  • 2% cash rewards.
  • No balance transfer fee.
  • No foreign transaction fee.
  • No annual fee.
  • 10.99% APR.
  • Secure EMV chip technology.
  • 24-hour banking and mobile app access.
  • Pros
  • Low APR
  • 2% cash back
  • Signup bonus
  • No annual fee
  • No foreign transaction fee
  • No balance transfer fee
  • Cons
  • No rewards available
Choice Privileges® Visa Signature® Card from Barclaycard photo
Choice Privileges® Visa Signature® Card from Barclaycard photo
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Choice Privileges® Visa Signature® Card from Barclaycard
This card earns Choice Privileges Points (Choice Privileges program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
2-15 points per $1 spent
$0
$192
32,000 points
$1,618
We estimate as
  • Card Details
  • 2 points per eligible $1 spent on everyday purchases everywhere Visa is accepted.
  • 15 points per $1 spent at eligible Choice Privileges® locations with your Choice Privileges Visa Signature Card and Choice Privileges membership.
  • 5 points per eligible $1 spent on the purchase of Choice Privileges® points or Choice Hotels gift card purchases.
  • Earn 32,000 bonus points after you spend $1,000 on purchases in the first 90 days, enough for up to 4 free nights.
  • No Annual Fee.
  • Earn 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date.
  • Get a 10% Points Bonus every time you purchase a stay with Choice Hotels®.
  • Redemptions for free nights at Choice Hotels or digital gift cards from over 80 of your favorite restaurants and retailors.
  • Enjoy Elite Gold status every time upon approval for the Choice Privileges Visa Card.
  • Pros
  • High rewards rate
  • Sign-up bonus
  • No Annual Fee
  • 0% introductory APR for the first 15 billing cycles following each balance transfer
  • Cons
  • Has foreign transaction fees
Norwegian Cruise Line® World Mastercard® from Bank of America photo
Norwegian Cruise Line® World Mastercard® from Bank of America photo
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Norwegian Cruise Line® World Mastercard® from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1-3 points per $1 spent
$0
$150
10,000 points
$1,446
We estimate as
  • Card Details
  • Earn 3 WorldPoints® points for every $1 spent on Norwegian purchases, and 1 WorldPoints® point per $1 on all other purchases. Terms Apply.
  • No annual fee.
  • Get 10,000 bonus WorldPoints® reward points after you make a transaction in the first 90 days - enough for $100 off your next cruise. Terms Apply.
  • Redeem points for stateroom upgrades, travel discounts, on-board credits, car rentals, hotel stays or gift cards. You'll also get exclusive redemption opportunities for last-minute cruises and other special offers.
  • Bank of America Preferred Rewards clients get an additional 25% - 75% points bonus on every purchase, applied to the base earn of 1 point per $1. Terms Apply.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • High rewards rate
  • Sign-up bonus
  • No annual fee
  • Cons
  • Has foreign transaction fees
Citi® Double Cash Card photo
Citi® Double Cash Card photo
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Citi® Double Cash Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
unlimited cash back
$0
$0
$1,440
We estimate as
  • Card Details
  • Earn Cash Back TWICE on every purchase with 1% cash back when you buy and 1% cash back as you pay, with no annual fee.
  • No caps and no category restrictions.
  • No annual fee.
  • 0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening.
  • You can redeem cash back for checks, statement credits or gift cards.
  • Get a pass on your first late fee.
  • Enjoy special access to purchase tickets to thousands of events annually at citiprivatepass.com.
  • Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
  • Travel & Purchase protection.
  • Pros
  • 2% cash back
  • No annual fee
  • 0% Intro APR on balance transfers for 18 months
  • Cons
  • Good to excellent credit score required
  • No signup bonus
Bank of America® Travel Rewards credit card photo
Bank of America® Travel Rewards credit card photo
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Bank of America® Travel Rewards credit card
This card earns Preferred Rewards Points (Bank of America Preferred Rewards program)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
1.5-3 points per $1 spent
$0
$250
25,000 points
$1,438
We estimate as
  • Card Details
  • Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points. Terms Apply.
  • 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening - which can be redeemed for a $250 statement credit toward travel purchases. Terms Apply.
  • No Annual Fee.
  • No Foreign Transaction Fees.
  • Introductory 0% APR for your first 12 billing cycles for purchases. After that, a Variable APR that's currently 16.99% - 24.99% will apply.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Redeem points for a travel credit or cash reward starting at 2,500 points; gift card redemptions start at 3,125 points.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • High rewards rate
  • Sign-up bonus
  • No Annual Fee
  • No Foreign Transaction Fees
  • Intro 0% APR for the first 12 billing cycles
  • Cons
  • Has interest charges

Our Take

The Bank of America® Travel Rewards credit card has a number of things going for it. It’s free, there is a sign-up bonus, and it has the potential of earning rewards at a rate above market average.

AT&T Access Card from Citi photo
AT&T Access Card from Citi photo
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AT&T Access Card from Citi
This card earns ThankYou Points (Citi ThankYou program) See transfer options
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.6%
1-2 points per $1 spent
$0
$160
10,000 points
$1,427
We estimate as
  • Card Details
  • 10,000 Bonus Points after you spend $1,000 in purchases within 3 months of account opening.
  • Earn 2 Points for every $1 you spend on purchases made online at retail and travel websites.
  • Earn 2 Points for every $1 you spend on products and services purchased directly from AT&T. You earn 2X points on AT&T purchases like a new tablet or accessories for your phone.
  • Earn 1 Point for every $1 you spend on other purchases.
  • Redeem your points for exciting rewards like gift cards, travel rewards, electronics and more.
  • No Annual Fee.
  • Citi customers enjoy special access to purchase tickets to thousands of events annually.
  • Travel & Purchase protection.
  • Citi® Cards with Apple Pay®.
  • Pros
  • Bonus reward points
  • Sign-up bonus
  • No Annual Fee
  • Cons
  • Good to excellent credit score required
Wyndham Rewards® Visa® Card from Barclaycard photo
Wyndham Rewards® Visa® Card from Barclaycard photo
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Wyndham Rewards® Visa® Card from Barclaycard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-3 points per $1 spent
$0
$180
15,000 points
$1,390
We estimate as
  • Card Details
  • Get 15,000 bonus points after your first purchase enough to redeem for up to 1 free night.
  • No Annual Fee.
  • Earn 3 points per $1 spent on eligible purchases for every participating hotel stay, Wyndham Vacation Rental North America properties, and on-property spend and maintenance fees at Wyndham timeshare properties.
  • Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target® and Walmart®).
  • No Foreign transaction fees.
  • 0% APR on all Wyndham Timeshare Purchases for six billing cycles.
  • 0% Intro APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
  • Protection against unauthorized use of card.
  • Global assistance services 24/7.
  • Pros
  • Sign-up bonus
  • High rate of rewards
  • No Annual Fee
  • No Foreign transaction fees
  • No Penalty APR
  • Cons
  • Good to excellent credit score required
Priceline Rewards™ Visa® Card from Barclaycard photo
Priceline Rewards™ Visa® Card from Barclaycard photo
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Priceline Rewards™ Visa® Card from Barclaycard
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.25%
1-5 points per $1 spent
$0
$62.5
5,000 points
$1,323
We estimate as
  • Card Details
  • Earn 5X points on eligible priceline.com purchases, and 1X points per $1 spent on purchases everywhere Visa is accepted. Terms Apply.
  • No Annual Fee.
  • 5,000 bonus points after first purchase. That's enough to redeem for a $50 statement credit.
  • No Foreign Transaction Fees.
  • Get 10% points back every time you redeem for statement credits toward eligible priceline.com or travel purchases of $25 or more made in the last 120 days.
  • 0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
  • No limit on the number of points you can earn.
  • $0 Fraud Liability protection.
  • Concierge service provides personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and sporting events.
  • Pros
  • High rewards rate
  • No Annual Fee
  • Sign-up bonus
  • No Foreign transaction fees
  • Cons
  • Good to excellent credit score required
SunTrust Cash Rewards Credit Card photo
SunTrust Cash Rewards Credit Card photo
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SunTrust Cash Rewards Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$0
$1,296
We estimate as
  • 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.
  • 0% intro APR on purchases and balance transfers for 15 months after account opening.
  • No annual fee.
  • No foreign transaction fees.
  • Pros
  • 5% cash back
  • No annual fee
  • No foreign transaction fee
  • Cons
  • No signup bonus
Wells Fargo Cash Wise Visa® Card photo
Wells Fargo Cash Wise Visa® Card photo
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Wells Fargo Cash Wise Visa® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$200
$1,280
We estimate as
  • Card Details
  • $200 cash rewards bonus if you spend $1,000 (net purchases) in first 3 months. Terms Apply.
  • Unlimited 1.5% cash rewards on net purchases.
  • No Annual Fee.
  • 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) during the first 12 months from account opening.
  • 0% intro APR on purchases and balance transfers for 12 months.
  • No category restrictions or quarterly sign ups to limit cash rewards earnings.
  • Cash rewards that don’t expire while the account is open.
  • Account protections such as 24/7 Fraud Monitoring, Rapid Alerts & Zero Liability Protection for promptly reported unauthorized transactions.
  • Pros
  • Cash rewards
  • No annual fee
  • Sign-up bonus
  • Low introductory APR
  • Cons
  • Good to excellent credit score required
  • Has foreign transaction fees
Chase Freedom Unlimited® credit card photo
Chase Freedom Unlimited® credit card photo
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Chase Freedom Unlimited® credit card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$150
$1,230
We estimate as
  • Card Details
  • Earn $150 bonus after you spend $500 on purchases in the first 3 months from account opening - new cardmembers only.
  • Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
  • Enjoy 0% promotional APR for 15 months from date of purchase on purchases of $299 or more – available anytime and it's automatic. After that, 16.99% - 25.74% variable APR.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Price Protection – If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.
  • Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.
  • Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points.
  • Maximize your rewards by transferring points to the card that earns Chase Ultimate Rewards points.
  • Pros
  • 1.5% unlimited cash back on all purchases
  • No annual fee
  • $150 bonus with low qualification
  • 0% intro APR for 15 months on purchases
  • Cons
  • Good to excellent credit score required
U.S. Bank FlexPerks® Select+ American Express® Card photo
U.S. Bank FlexPerks® Select+ American Express® Card photo
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U.S. Bank FlexPerks® Select+ American Express® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
Points per $1 on all purchases per $ spent
$0
$150
10,000 points
$1,230
We estimate as
  • Card Details
  • Earn 10,000 bonus FlexPoints worth $150 on airfare, hotel stays, car rentals and more. Just spend $1,000 in eligible Net Purchases (purchases minus credits and returns) on your card within the first four months of account opening.
  • Earn up to 1 FlexPoint for every $1 spent in eligible Net Purchases.
  • No Annual Fee.
  • Travel on more than 150 airlines with no blackout dates or online redemption fees.
  • Redemption starts at just 1,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • Award travel starts at just 20,000 FlexPoints.
  • American Express Benefits.
  • 0% introductory APR for the first 9 billing cycles for balances transferred within 60 days from account opening.
  • Pros
  • Sign-up bonus
  • No Annual Fee
  • 0% Intro APR for the first 9 billing cycles for balance transfers
Cash Magnet™ Card photo
Cash Magnet™ Card photo
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Cash Magnet™ Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$150
$1,230
We estimate as
  • Card Details
  • Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the $250 back as a statement credit.
  • No annual fee.
  • Unlimited 1.5% Cash Back on your purchases.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
  • Car rental loss and damage insurance.
  • Travel and shopping benefits.
  • Pros
  • Unlimited 1.5% Cash Back
  • Generous signup bonus
  • No annual fee
  • 0% purchase and balance transfer intro APR
  • Cons
  • Good to excellent credit score required
  • Has foreign transaction fees.
JetBlue Card from Barclaycard photo
JetBlue Card from Barclaycard photo
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JetBlue Card from Barclaycard
This card earns TrueBlue Points (TrueBlue program by JetBlue)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-3 points per $1 spent
$0
$120
10,000 points
$1,200
We estimate as
  • Card Details
  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days.
  • 3X points on JetBlue purchases, 2X points at restaurants and grocery stores and 1X points on all other purchases. Terms Apply.
  • No annual fee.
  • 50% inflight savings on cocktails and food purchases.
  • No foreign transaction fees.
  • No blackout dates on JetBlue-operated flights.
  • $0 Fraud Liability protection.
  • Points awarded to your TrueBlue account don't expire. Redeem anytime.
  • Redeem for any seat, any time on JetBlue-operated flights. Terms Apply.
  • Earn and share points together with your family.
  • Pros
  • High rate of rewards
  • No Annual Fee
  • Sign-up bonus
  • No Foreign Transaction Fees
  • No Penalty APR
Uber Visa Card photo
Uber Visa Card photo
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Uber Visa Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 4% restricted
$0
$100
$1,180
We estimate as
  • Card Details
  • Earn $100 after spending $500 on purchases in the first 90 days.
  • 4% back on restaurants, takeout, and bars, including UberEATS.
  • 3% back on airfare, hotels, and vacation home rentals.
  • 2% back on online purchases including Uber, online shopping, video and music streaming services.
  • 1% back on all other purchases.
  • Up to a $50 credit for online subscription services after you spend $5,000 on your card per year.
  • No foreign transaction fees.
  • No annual fee.
  • Up to $600 in mobile phone protection including damage and theft when you use your Uber Visa Card to pay your monthly mobile phone bill.
  • Receive invites to exclusive events and offers in select U.S. cities.
  • Pros
  • 4% cash back
  • No annual fee
  • No foreign transaction fee
  • Generous signup bonus
  • Cons
  • Good to excellent credit score required
Blue Cash Everyday® Card from American Express photo
Blue Cash Everyday® Card from American Express photo
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Blue Cash Everyday® Card from American Express
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$200
$1,172
We estimate as
  • Card Details
  • Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
  • No annual fee.
  • Earn 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
  • Earn 2% Cash Back at U.S. gas stations & select U.S. department stores.
  • Earn 1% Cash Back on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.
  • Travel and shopping benefits.
  • Pros
  • No annual fee
  • Generous signup bonus
  • Competitive cash back on groceries
  • Good cash back rate on gas
  • Cons
  • 0% APR for purchases and balance transfer for 15 month, then a regular APR is applied
Bank of America® Cash Rewards Credit Card photo
Bank of America® Cash Rewards Credit Card photo
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Bank of America® Cash Rewards Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$200
$1,100
We estimate as
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account.
  • Online $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • 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 Bank of America Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • There's no annual fee, no expiration on rewards and with no changing categories to follow, you always know where and how you're earning rewards.
  • Complete your application and get a response in as little as 60 seconds.
  • Pros
  • 0% APR intro offer for 12 months on purchases and balance transfer
  • No annual fee
  • 2% cash back on groceries
  • 3% cash back on gas
  • $150 online bonus
  • Cons
  • Good to excellent credit score required
  • 1% cash back on all purchases is not a top-notch offer
Capital One® VentureOne® Rewards photo
Capital One® VentureOne® Rewards photo
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Capital One® VentureOne® Rewards
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.25%
Miles per $1 on all purchases per $ spent
$0
$200
20,000 miles
$1,100
We estimate as
  • Card Details
  • Earn unlimited 1.25X miles—that's 1.25 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
  • Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
  • Use your VentureOne® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
  • No Annual Fee.
  • 0% intro APR for 12 months; 13.74%, 19.74% or 23.74% variable APR after that.
  • Once you make a travel purchase with VentureOne, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
  • Use the card with Apple PayTM to make purchases on the go.
  • No foreign transaction fees.
  • Visa Signature® Benefits.
  • Pros
  • Sign-up bonus
  • Unlimited Rewards
  • No Annual Fee
  • No foreign transaction fees
  • Cons
  • Good to excellent credit score required
Amazon Rewards Visa Signature Card photo
Amazon Rewards Visa Signature Card photo
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Amazon Rewards Visa Signature Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$50
$1,094
We estimate as
  • Card Details
  • $50 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application.
  • Earn 3% Back at Amazon.com and Whole Foods Market, 2% Back at restaurants, gas stations and drugstores, and 1% Back on all other purchases. Terms Apply.
  • No annual fee.
  • No foreign transaction fees.
  • Redeem for millions of items at Amazon.com.
  • Service & protection.
  • Pros
  • $50 Amazon.com Gift Card
  • Cash Back rewards
  • No Annual Fee
  • No Foreign transaction fees
Discover it® Miles Travel Card photo
Discover it® Miles Travel Card photo
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Discover it® Miles Travel Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
Miles per $1 on all purchases per $ spent
$0
$0
$1,080
We estimate as
  • Card Details
  • Earn unlimited 1.5X Miles for every $1 spent on all purchases – from airfare and hotels to groceries and online shopping. Terms Apply.
  • No Annual Fee.
  • Get Cashback Match for all the Miles you've earned at the end of your first year. For example, 30,000 Miles turns into 60,000 Miles.
  • No Penalty APR.
  • Use your Discover it® Miles card for any travel purchase, including all airlines, hotels, rental cars and more.
  • Once you book your travel with Discover it® Miles card, redeem your Miles as a statement credit towards the purchase. Your rewards never expire.
  • Freeze it® on/off switch option for your account protection.
  • 100% U.S. based customer service.
  • Free monthly access to FICO® Score.
  • Fraud monitoring and protection.
  • Pros
  • Sign-up bonus
  • No Annual Fee
  • No Penalty APR
  • No Foreign Transaction Fees
  • Cons
  • Good to excellent credit score required
Preferred Cash Rewards Visa Signature® Credit Card photo
Preferred Cash Rewards Visa Signature® Credit Card photo
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Preferred Cash Rewards Visa Signature® Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
unlimited cash back
$0
$0
$1,080
We estimate as
  • Card Details
  • Earn 1.5% cash back on every purchase.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • There's no limit on the amount you can earn.
  • No foreign transaction fees.
  • No annual fee.
  • Special Benefits for Military.
  • Security, Travel and Retail Benefits.
  • Pros
  • No Annual Fee
  • No Foreign transaction fees
  • 1.5% cash back on all purchases
  • Cons
  • No signup bonus
  • Good to excellent credit score required
Blue Delta SkyMiles® Credit Card photo
Blue Delta SkyMiles® Credit Card photo
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Blue Delta SkyMiles® Credit Card
This card earns SkyMiles (SkyMiles program by Delta)
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.2%
1-2 miles per $1 spent
$0
$120
10,000 miles
$1,070
We estimate as
  • Card Details
  • Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
  • No annual fee.
  • Earn 2X miles per dollar at US restaurants.
  • Earn 2X miles per dollar on Delta purchases.
  • Earn 1X mile per dollar on all other eligible purchases. Terms apply.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Shopping & entertainment benefits.
  • Pros
  • Generous signup bonus
  • No annual fee
  • Cons
  • High purchase APR
BMO Harris Bank Cash Back Mastercard® photo
BMO Harris Bank Cash Back Mastercard® photo
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BMO Harris Bank Cash Back Mastercard®
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$200
$1,064
We estimate as
  • Card Details
  • Earn 2% cash back on gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; plus 1% cash back on all other purchases.
  • $200 cash back bonus when you spend $2,000 in in the first 3 months of account opening.
  • 0% intro APR on purchases for the first 6 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
  • 0% intro APR on balance transfers for the first 12 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
  • No annual fee.
  • Redeem cash back for a statement credit with a minimum of $15 in your available cash balance.
  • Pros
  • 2% cash back
  • No annual fee
  • $200 cash back bonus
  • 0% purchase and balance transfer intro APR
  • Cons
  • Good to excellent credit score required
Susan G. Komen® Cash Rewards Visa® credit card from Bank of America photo
Susan G. Komen® Cash Rewards Visa® credit card from Bank of America photo
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Susan G. Komen® Cash Rewards Visa® credit card from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
  • Help fight breast cancer. Terms Apply.
  • Enjoy no annual fee while earning more cash back for the things you buy most.
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account.
  • You can get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Free monthly access to FICO® Score.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Pros
  • 1.5% cash back
  • Help fight breast cancer
  • Sign-up bonus
  • No Annual Fee
  • 0% Intro APR for your first 12 billing cycles
  • Security & Benefits
MLB™ Cash Rewards Mastercard® from Bank of America photo
MLB™ Cash Rewards Mastercard® from Bank of America photo
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MLB™ Cash Rewards Mastercard® from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
  • Card Details
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • 1% cash back on purchases, 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.
  • Earn rewards you like and choose the card with your favorite team. All MLB® teams are available.
  • No Annual Fee.
  • 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • Cash back rewards
  • Sign-up bonus
  • No annual Fee
  • 0% Intro APR for the first 12 billing cycles
World Wildlife Fund Credit Card from Bank of America photo
World Wildlife Fund Credit Card from Bank of America photo
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World Wildlife Fund Credit Card from Bank of America
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
  • Card Details
  • 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.
  • For each new World Wildlife Fund credit card account World Wildlife Fund receives a minimum of $3, 0.08% of all net retail purchases made with this card, and $3 for each annual card renewal.
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • No Annual Fee.
  • 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • Cash Back Rewards
  • Help support WWF
  • No Annual Fee
  • 0% Intro APR for your first 12 billing cycles
  • Security & Benefits
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card photo
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card photo
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U.S. Pride® BankAmericard Cash Rewards™ Visa® Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
  • Card Details
  • 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. Terms Apply.
  • No Annual Fee.
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • No Annual Fee
  • Sign-up bonus
  • 0% Intro APR for the first 12 billing cycles
  • Cash Back Rewards
  • Free monthly access to FICO® Score
  • Cons
  • Has interest charges
Amazon Prime Rewards Visa® Signature Card photo
Amazon Prime Rewards Visa® Signature Card photo
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Amazon Prime Rewards Visa® Signature Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$0
$1,044
We estimate as
  • Card Details
  • No annual fee.
  • No foreign transaction fees.
  • Get a $50 Amazon.com Gift Card instantly upon credit card approval.
  • Earn 3% cash back at Amazon.com and Whole Foods Market.
  • Earn 2% cash back at gas stations, restaurants, and drugstores.
  • Earn 1% cash back on all other purchases.
  • Redeem for millions of items at Amazon.com
  • Travel perks and protection.
  • Pros
  • No annual fee
  • No foreign transaction fee
  • 3% cash back
  • Cons
  • Good to excellent credit score required
AARP® Credit Card from Chase photo
AARP® Credit Card from Chase photo
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AARP® Credit Card from Chase
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$100
$1,036
We estimate as
  • Card Details
  • $100 Bonus Cash Back after you spend $500 on purchases in the first 3 months from account opening.
  • Earn 3% Cash Back rewards on purchase at gas stations and restaurants, from fine dining to fast food.
  • Plus, earn 1% Cash Back rewards on all other purchases.
  • No Annual Fee.
  • No caps and rewards do not expire as long as your account is open.
  • Redeem rewards for cash back, gift cards and traveling.
  • For every purchase you make at restaurants with your AARP Credit Card from Chase, $0.10 will be donated to AARP Foundation in support of Drive To End Hunger, up to $1.1 Million in 2016.
  • Service & protection.
  • Pros
  • $100 Bonus Cash Back
  • Unlimited Cash Back rewards
  • No Annual Fee
  • Service & protection
First Hawaiian Bank Cash Rewards Credit Card photo
First Hawaiian Bank Cash Rewards Credit Card photo
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First Hawaiian Bank Cash Rewards Credit Card
Rewards Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$125
$1,025
We estimate as
  • Card Details
  • Apply by December 31, 2018, and if approved, receive a $125 statement credit after spending only $500 in the first three months.
  • Earn 3% cash back on gas purchases, 2% cash back on grocery purchases, 1% cash back on all other purchases.
  • Cash rewards are automatically credited to your monthly credit card statement.
  • No annual fee.
  • $100,000 Travel Accident Insurance.
  • Secondary Rental Car Insurance.
  • Color Photo I.D.
  • 24-Hour Customer Service.
  • Embedded EMV chip provides an extra layer of security and greater worldwide acceptance.
  • Pros
  • Generous signup bonus
  • 3% cash back
  • No annual fee