Best No Annual Fee Credit Cards

Amtrak Guest Rewards World Mastercard? Review

Rating: 4 Stars

Bottom Line:
For Frequent Amtrak Travelers

Card Details

Regular APR:	16.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 3 points for every $1 spent on Amtrak travel, including onboard purchases Earn 2 points per $1 spent on other qualifying travel purchases Earn 1 Point per $1 spent on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$79
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get 20,000 bonus points after you make $1,000 or more in purchases on your new card within 90 days of account opening. That?s enough points to redeem for a trip to many of our over 500 destinations across the country.
Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel.
Annual Companion Coupon: Get a Companion Coupon upon account opening and each year when your account renews (worth up to $300 in Amtrak travel)
Annual Upgrade Coupon: Get an Upgrade Coupon upon account opening and each year when your account renews for an enhanced travel experience (worth up to $150 in Amtrak travel)
Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel
A faster route to tier status: Earn 1,000 Tier Qualifying Points (TQPs) toward earning tier status each time your eligible spending reaches $5,000 in a calendar year, up to 4,000 TQPs per year
Onboard Purchases Rebate: Get a 20% rebate on your food and beverage purchases onboard when you use your Amtrak Guest Rewards World Mastercard
Complimentary Station Lounge Pass: Get a complimentary Single-Visit Station Lounge pass upon account opening (worth up to $25 in Amtrak travel)

Is Amtrak Guest Rewards World Mastercard worth it?

Amtrak Guest Rewards World Mastercard is a great card for travelers who regularly travel by train on Amtrak.

Pros

Earn 3 Points per $1 spent on Amtrak travel, including onboard purchases.
Annual Companion Coupon
Earn 1,000 Tier Qualifying Points towards elite status for every $5,000 you spend on your card, up to 4,000 TQPs annually
Reasonable annual fee for regular Amtrak travelers

Cons

No airline transfer partners
penalty APR

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee	3% of the amount of each transaction or $10, whichever is greater
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Get Started with Amtrak Guest Rewards World Mastercard

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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NFL Extra Points Credit Card Review

Rating: 5 Stars

Bottom Line:
For NFL Fans Who Like NFL Gear And Balance Transfers

Apply Now

Card Details

Regular APR:	17.49%, 22.49% or 27.49%
Intro APR (Purchases):	0% Intro APR for 6 billing cycles from the transaction date on all Qualifying NFL Team Ticket Purchases
Intro APR (Balance transfers):	0% Intro APR for 15 billing cycles for transfers in first 45 days
Rewards Rate:	Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops Earn 2 points per $1 on NFL DirecTV purchases Earn 1 point per $1 on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops, and earn 1 point per $1 on all other purchases
Enjoy a 0% promotional APR for 6 months on NFL ticket purchases from any participating NFL team ticket office
20% off purchases at NFLShop.com that?s $20 off every $100 you spend
Exclusive NFL rewards and team experiences: redeem points for game tickets or once-in-a-lifetime experiences like pre-game sideline passes or tickets to the Super Bowl
Cash back or redeem points for 1% cash back, starting at 2,500 points for $25 cash back
Pick any team as your card art

Is NFL Extra Points Credit Card worth it?

NFL Extra Points Credit Card is a solid card for NFL fans. The sign up bonus of 10,000 bonus points after $500 in purchases in the first 90 days is worth $100 in statement credit. Cardholders earn 2 points per $1 on NFL and team purchases like eligible NFL tickets, in stadium, NFLShop.com, at team pro shops, and on NFL DirecTV purchases. 2 points per $1 is an average rewards rate, especially when you consider that for most people NFL purchases are not something you make everyday. However, the most valuable perk provided by NFL Extra Points Credit Card may be 20% off purchases at NFLShop.com. If you are an NFL fan or know one, this might be a great no-annual card to apply for simply for the NFL gear discount.

Pros

Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
No annual fee
Pick any team as your card art
20% off purchases at NFLShop.com that?s $20 off every $100 you spend
0% Intro APR for 15 billing cycles for transfers in first 45 days

Cons

0% intro period on NFL ticket purchases from any participating NFL team ticket office is only 6 months
2 Points per $1, or 2%, rewards rate is average: other cards offer 1.5% or 2% cash back on all purchases

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with NFL Extra Points Credit Card

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Celebrity Cruises Visa Signature Review

Rating: 4 Stars

Bottom Line:
Rewards for Celebrity Cruise Ship Travelers

Apply Now

Card Details

Regular APR:	16.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 points per $1 spent on qualifying purchases with Celebrity Cruises and our sister brands, Royal Caribbean International and Azamara Club Cruises Earn 1 point per $1 spent on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

No Annual Fee or Foreign Transaction Fees. Enjoy the freedom to explore off the beaten path with your Visa Signature card
Receive 10,000 Bonus Points after making a qualifying transaction in the first 90 days of account opening – worth $100 in onboard credit
2 points per $1 spent on qualifying purchases with Celebrity Cruises and our sister brands, Royal Caribbean International and Azamara Club Cruises. Earn 1 point per $1 spent on all other purchases
Redeem your MyCruise points for onboard credit, cruise discounts and vacations, plus more

Is Celebrity Cruises Visa Signature worth it?

Celebrity Cruises Visa Signature is a solid card for people who take cruises on Celebrity Cruises and and their sister brands, Royal Caribbean International and Azamara Club Cruises.

Cardholders earn 2 MyCruise points for every dollar spent on purchases with these partners. There is a $69 annual fee version of this card which provides cardholders additional discounts on Celebrity-related bookings and onboard purchases.

Pros

Receive 10,000 MyCruise points after making a qualifying transaction in the first 90 days of account opening – worth $100 in onboard credit
Earn 2 points per $1 spent on qualifying purchases with Celebrity Cruises and their sister brands, Royal Caribbean International and Azamara Club Cruises
No annual fee

Cons

Other cards offer the same rewards rate – 2 points per $1 – on all purchases and allow redemption outside of cruise-related purchases

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars. ?????

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $10 or 3% of the amount of each transaction, whichever is greater
Cash Advance Fee	Either $10 or 3% of the amount of each transaction, whichever is greater
Penalty APR	Up To 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Celebrity Cruises Visa Signature

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Citi Rewards+ Review

Rating: 5 Stars

Bottom Line:
Grocery and Gas Rewards For People Who Make A Lot Of Small Purchases

Apply Now

Card Details

Regular APR:	15.49% – 25.49% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	2 ThankYou Points per dollar at Supermarkets and Gas Stations for the first $6,000 per year, then 1 point per dollar 1 point per dollar on all other purchases Every purchase is rounded up to nearest 10 points ($3 cup of coffee earns 10 points, $12 pizza earns 20 points)
Credit Needed:	(670 ? 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
The Citi Rewards+ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase, with no cap
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
Earn 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year

Is Citi Rewards+ worth it?

Citi Rewards+ is a solid card for cardholders who shop at supermarkets and gas stations with high frequency. This card is also good for paying for purchases over time and balance transfers with 0% Intro APR for 15 months.

Pros

0% Intro APR on purchases and balance transfers for 15 months
15,000 bonus points after you spend $1,000 within 90 days of account opening
10% points back for the first 100,000 points you earn every year
No annual fee

Cons

ThankYou points convert to cash back at a lower than average rate than other points

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7% in USD
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	N/A
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Concierge Service

Get Started with Citi Rewards+

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Wells Fargo Propel American Express Review

Rating: 5 Stars

Bottom Line:
Rewards on Monthly Expenses

Apply Now

Card Details

Regular APR:	15.99% – 27.99% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months on qualifying balance transfers
Rewards Rate:	3X points on eating and out and ordering in, travel including flights, hotels, homestays and car rentals, and on gas stations, rideshares, transit and popular streaming services 1X points on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months ? that?s a $300 cash redemption value
$0 annual fee and no foreign currency conversion fee
Earn 3X points on eating out and ordering in
Earn 3X points on travel including flights, hotels, homestays and car rentals
Earn 3X points on gas stations, rideshares and transit
Earn 3X points on popular streaming services
Earn 1X points on other purchases

Is Wells Fargo Propel American Express worth it?

Wells Fargo Propel American Express is a competitive rewards card with 3X rewards in a number of popular spending categories including monthly expenses like gas stations, transit, and popular streaming services. Rewards are 1X on all other purchases.

Pros

3x rewards in a number of popular spending categories
30,000 bonus points when you spend $3,000 in purchases in the first 90 days after account opening – that’s a $300 cash redemption value
No annual fee

Cons

1x rewards rate on all other purchases is not a competitive rate

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% for 120 days, then 5%
Cash Advance Fee	5%
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Wells Fargo Propel American Express

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Fifth Third Bank Truly Simple Credit Card Review

Rating: 4 Stars

Bottom Line:
Long No Interest Intro Period For Purchases and Balance Transfers And No Annual Fee

Apply Now

Card Details

Regular APR:	13.99% to 24.99% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	None
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want.
Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 13.99%-24.99% based on your creditworthiness.
No Penalty Rate (APR) for a missed payment
No Annual Fee

Is Fifth Third Bank Truly Simple Credit Card worth it?

Fifth Third Bank Truly Simple is a simple card for cardholders looking to make a big purchase or pay off debt, with 0% Intro APR on purchases and balance transfers. The balance transfer fee is higher than average and the card does not offer rewards, but there is no annual fee.

Pros

0% for 15 months on balance transfers
No Penalty APR on missed payments
No annual fee

Cons

Foreign transaction fee
Higher than average balance transfer fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	4% of the amount of each transfer or $5, whichever is greater
Cash Advance Fee	5% of the amount of each transfer or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Cellphone Protection

Concierge Service

Extended Warranty Program

Purchase Protection

Travel Assistance

Get Started with Fifth Third Bank Truly Simple

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Fifth Third Bank TRIO Credit Card Review

Rating: 4 Stars

Bottom Line:
Cash Back With A Capped Amount But Without An Annual Fee

Apply Now

Card Details

Regular APR:	16.24% to 25.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for 12 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	3% cash back at restaurants 2% cash back on gas, grocery store and drug store purchases (on up to $1,500 in combined qualified purchases per quarter) 1% cash back on purchases after $1,500
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
1% unlimited cash back on all other purchases
Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
0% Introductory APR on Balance Transfers for your first 12 billing cycles after the account is open, then your variable APR will be 15.99%-24.99% based on your creditworthiness
No international transaction fees on credit purchases
No Annual Fee
Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details

Is Fifth Third Bank TRIO Credit Card worth it?

Fifth Third Bank TRIO is a strong card for cardholders who spend a modest amount on dining, which earns 3 cash back, and on gas, grocery stores and drugstores, which earn 2% cash back, which, together with dining, earn at their respective cash back rates up to a combined spending of $1,500 per quarter across all categories.

The value of each point is $0.01, so you receive the $100 signup bonus if you spend $1000 in the first 90 days in the form of 10,000 Rewards Points, which you can take as a $100 check or as a deposit in a Fifth Third account. For small spenders looking for cash back and perhaps a balance transfer, this is a strong card.

Pros

$100 signup bonus after spending $1000 in first 90 days of account opening
0% for 15 months on balance transfers
No annual fee
No foreign transaction fee

Cons

$1,500 per quarter is a low cap for many cardholders in combined gas, grocery stores, drugstores, and dining spending
Higher than average balance transfer fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 4% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each Cash Advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Cellphone Protection

Concierge Service

Extended Warranty Program

Purchase Protection

Travel Assistance

Get Started with Fifth Third Bank TRIO

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Discover it Student Cash Back Credit Card Review

Rating: 4 Stars

Bottom Line:
High Cash Back for Students

Apply Now

Card Details

Regular APR:	14.99% – 23.99% (Variable)
Intro APR (Purchases):	10.99% for 6 months
Intro APR (Balance transfers):	10.99% for 6 months
Rewards Rate:	5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to $1,500 per quarter each time you activate 1% unlimited cash back on all other purchases. Discover has cash back match at end of first year
Credit Needed:	(300-669) Bad/Fair
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Good Grades Rewards: $20 statement credit 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 & get your free Credit Scorecard with your FICO?
Credit Score, number of recent inquiries and more.
Freeze It? on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% ? 23.99%.

Is Discover it Student Cash Back Credit Card worth it?

Discover it Student Cash Back is a great card for students who want to build credit and take advantage of rotating cash back categories. For students who are more interested in ongoing rewards, this card provides 5% cash back in rotating categories and 1% unlimited cash back and Discover will match all cash back at the end of the year.

Pros

Build your credit
Higher than average cash back rewards for a student card

Cons

5% cash back categories must be activated, online or by phone, to take effect

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Student Cash Back

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Discover it Miles Credit Card Review

Rating: 5 Stars

Bottom Line:
Double Miles In The First Year And Use Miles As Cash Back

Apply Now

Card Details

Regular APR:	14.24% – 25.24% (Variable)
Intro APR (Purchases):	0% for 14 months
Intro APR (Balance transfers):	10.99% for 14 months
Rewards Rate:	Unlimited 1.5 miles per dollar spent on all purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it Miles card.
Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
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 free Credit Scorecard with your FICO Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Is Discover it Miles Credit Card worth it?

Discover it Miles is a great travel card with 1.5x miles per dollar and the benefit of getting your miles matched at the end of your first year, essentially giving you 3x miles per dollar for your first year. You can also use your miles as cash back.

Pros

Discover matches your miles at the end of your first year
Higher than average travel rewards rate
No annual fee

Cons

Not the best rewards rate when compared to best cash back cards’ rewards rate of 2%

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Miles

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Discover it Cash Back Credit Card Review

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Finance Purchases

Apply Now

Card Details

Regular APR:	13.99% – 24.99% (Variable)
Intro APR (Purchases):	0% for 14 months
Intro APR (Balance transfers):	0% for 14 months
Rewards Rate:	5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
No annual fee.

Is Discover it Cash Back Credit Card worth it?

Discover it Cash Back is a solid cash back card with the option to pay off purchases or debt at 0% for 14 months. This card has 5% cash back in popular, rotating categories up to the quarterly max. The ongoing unlimited cash back is 1%, which is an average cash back rate.

Here?s the 2020 Discover 5% cash back Calendar:

Jan – Mar 2020	Grocery Stores, Walgreens, and CVS
Apr – Jun 2020	Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020	Restaurants and PayPal
Oct – Dec 2020	Amazon.com, Walmart.com and Target.com

Pros

Discover doubles all earned cash back at end of first year
0% Intro APR for 14 months on purchases and balance transfers
No annual fee

Cons

Quarterly cap for 5% cash back is $1,500
No intro bonus

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Cash Back

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Capital One Platinum Review

Rating: 4 Stars

Bottom Line:
Build Credit Without A Deposit

Apply Now

Card Details

Regular APR:	26.96% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(580-669) Average/Fair
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
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

Is Capital One Platinum worth it?

Platinum from Capital One is a solid card for people looking to improve their credit score without making a cash deposit upfront. It also provides a higher credit limit after you make on time payments for the first five months.

Pros

Build your credit
No annual fee

Cons

Higher than average APR
No hidden fees

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	$0
Cash Advance Fee	3% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Travel Accident Insurance

Extended Warranty Program

Travel Assistance

Get Started with Capital One Platinum

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American Express Blue Cash Everyday Review

American Express Blue Cash Everyday Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back On Groceries and 0% Intro Interest on Purchases and Balance Transfers

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	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 & select U.S. department stores 1% cash back on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $175 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
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 & select U.S. department stores
1% cash back on other purchases
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express? Cards in 2018.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
$95 annual fee.
Terms Apply.

Is Blue Cash Everyday from American Express worth it?

Blue Cash Everyday from American Express is a solid no annual fee card for cardholders who spend a lot on groceries and gas. With 0% Intro APR for 15 months, this is also a solid card for paying off big purchases over time.

Pros

3% cash back on up to $6,000 in purchases at U.S. supermarkets, then 1%
2% cash back at U.S. gas stations and select U.S. department stores, including Kohl’s, J.C. Penney, and Macy?s. In store and online purchases at these department stores receive cash back.
No annual fee

Cons

Travel (flights) rewards fall in 1% cash back category

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	2% of the amount of each transaction
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Travel and Emergency Assistance

Get Started with American Express Blue Cash Everyday

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Bank of America Travel Rewards Review

Bank-of-America-Travel-Rewards-for-Students

Rating: 5 Stars

Bottom Line:
Redeem Travel Rewards On Well Known Travel Websites

Apply Now

Card Details

Regular APR:	17.24% – 25.24% (Variable)
Intro APR (Purchases):	0% for first 12 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	Earn unlimited 1.5 points per $1 spent on all purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Visa?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
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
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
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
If you?re a Preferred Rewards member, you can earn 25% ? 75% more points on every purchase

Is Bank of America Travel Rewards worth it?

Travel Rewards from Bank of America is a great card for travelers who want a flexible travel rewards program that allows them to redeem points on third-party travel sites for no annual fee.

Pros

25,000 online point bonus after spending $1,000 in first 90 days after account opening – that can be a $250 statement credit toward travel purchases
Unlimited 1.5X points an all purchases
No annual fee
No foreign transaction fee

Cons

Travel rewards when redeemed for cash are much less than cash value from cash back rewards cards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% on transaction amount or $10, whichever is greater
Cash Advance Fee	See Terms
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Travel Rewards

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Bank of America Business Advantage Travel Rewards World Mastercard Review

Bank of America? Business Advantage Travel Rewards World Mastercard? Credit Card

Rating: 5 Stars

Bottom Line:
Travel Rewards for Business Owners With No Annual Fee

Apply Now

Card Details

Regular APR:	13.24% – 23.24% (Variable)
Intro APR (Purchases):	0% for 9 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	3 points per dollar spent for travel booked through Bank of America?s travel center 1.5 points per dollar on all purchases and 25,000 bonus points when you spend $1,000 in first 60 days of account opening
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America Travel Center – powered by Expedia.
No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem points for travel with no blackout dates, cash back or gift cards.
Get a 75% rewards bonus on the base earn of every purchase you make when you’re a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America Travel Center.

Is Bank of America Business Advantage Travel Rewards World Mastercard worth it?

Bank of America Business Advantage Travel Rewards World Mastercard is a great no-annual fee travel card with three points per dollar on travel booked through Bank of America Travel Center and a simple unlimited 1.5 points per dollar on all purchases.

Pros

Qualifying cardholders – based upon eligible cardholder account balances – receive 75% more points back on every point earned, bringing the rewards rates from 1.5 to 2.62 points and from 3 to 4.12 points; this is a significant benefit for businesses with big expenses
No annual feel
No foreign transaction fee

Cons

Only travel earns 3 points per dollar, and it must be booked through the Bank of America Travel Center

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	4% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee	4% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel Assistance

Get Started with Bank of America Business Advantage Travel Rewards World Mastercard

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BankAmericard Review

Rating: 4 Stars

Bottom Line:
Long Debt and Purchase Payoff Period

Apply Now

Card Details

Regular APR:	14.74% ? 24.74% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles for balance transfers made in the first 60 days
Rewards Rate:	None
Credit Needed:	(670 ? 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% – 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No annual fee
No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply
Access your FICO Score for free within Online Banking or your Mobile Banking app

Is BankAmericard worth it?

BankAmericard from Bank of America is a great card for purchases and balance transfers with 0% Intro APR for 15 billing cycles (for balance transfers made in the first 60 days). This card does not offer rewards.

Pros

0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
0% Intro APR for 15 billing cycles for any purchases

Cons

No rewards

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the balance transfer amount or $10, whichever is greater
Cash Advance Fee	See Terms (has exception)
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with BankAmericard

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