Best No Foreign Transaction Fee Credit Cards

NFL Extra Points Credit Card Review

Rating: 5 Stars

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

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

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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Citi / AAdvantage Platinum Select World Elite Mastercard Review

Citi-AAdvantage-Platinum-Select-World-Mastercard

Rating: 4 Stars

Bottom Line:
For American Airlines Travelers

Apply Now

Card Details

Regular APR:	17.49% to 25.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2 AAdvantage miles per dollar on American Airlines purchases Earn 2 AAdvantage miles for each $1 spent on purchases at restaurants (including cafes, bars, lounges, and fast food restaurants) and at gas stations Earn 1 AAdvantage mile on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 in first year, $99 after first year
Card Brand:	Mastercard

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

Offer Highlights

Click APPLY NOW to apply online
Earn 50,000 American Airlines AAdvantage bonus miles after $2,500 in purchases in the first 3 months of account opening
American Airlines AAdvantage bonus miles are not available if you have received a new account bonus for a Citi / AAdvantage Platinum Select account in the past 48 months.
Earn AAdvantage miles on purchases
Experience truly rewarding travel
Travel with ease and enjoy global acceptance with your Citi chip credit card

Is Citi / AAdvantage Platinum Select World Elite Mastercard worth it?

CitiBusiness / AAdvantage Platinum Select World Elite Mastercard is a great card for travelers who fly American Airlines.

Pros

Intro bonus of 50,000 American Airlines AAdvantage bonus miles after $2,500 spent in first 90 days of account opening
Solid rewards rate on American Airlines travel and business purchases – earn 2 AAdvantage miles per dollar spent on eligible American Airlines purchases, restaurants and gas stations
No foreign transaction fee

Cons

$99 fee after first year
Travel perks are specific to American Airlines

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 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	Up to 29.99% (Variable)

Benefits

$0 Fraud Liability

Concierge Service

Get Started with Citi / AAdvantage Platinum Select World Elite Mastercard

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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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Capital One Venture Rewards Review

Rating: 5 Stars

Bottom Line:
Miles for Travel, Transit, and Hotels

Apply Now

Card Details

Regular APR:	17.99% ? 25.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 Miles per dollar on all purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 intro for first year; $95 after that
Card Brand:	Mastercard?

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

Offer Highlights

Click APPLY NOW to apply online
Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
Named ‘The Best Travel Card’ by CNBC, 2018
Receive up to $100 application fee credit for Global Entry or TSA Pre
Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
Miles won’t expire for the life of the account and there’s no limit to how many you can earn
No foreign transaction fees
$0 intro annual fee for the first year; $95 after that

Is Capital One Venture Rewards worth it?

Venture Rewards from Capital One is a great travel rewards card with flexible miles and a bonus offer of 50,000 miles after you spend $3,000 within 90 days of account opening. The miles can be applied to airlines, hotels, and car rentals too.

Pros

50,000 bonus miles after you spend $3,000 within 90 days of account opening, equal to $500 in travel
No foreign transaction fees

Cons

Annual fee starting after first year

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

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

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel and Emergency Assistance

Travel Accident Insurance

Get Started with Capital One Venture 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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Journey Student Rewards from Capital One Review

Rating: 4 Stars

Bottom Line:
Student Card with Cash Back

Apply Now

Card Details

Regular APR:	26.96% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Unlimited 1% cash back, increases to 1.25% if you pay your bill on time that month
Credit Needed:	(580-669) Average/Fair/Limited
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 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
Enjoy no annual fee and no foreign transaction fees
Get a head start and build your credit with responsible use
Get Eno, your Capital One assistant, to manage your account via text, receive alerts, and shop safer online
Pick the monthly due date that works best for you
Get access to a higher credit line after making your first 5 monthly payments on time
$0 fraud liability if your card is ever lost or stolen
Monitor your credit profile with the CreditWise app, free for everyone

Is Journey Student Rewards from Capital One worth it?

Journey Student Rewards from Capital One is a solid card for students looking to build a credit score and credit history. It also provides a higher credit limit after you make on time payments for the first five months and increases its cash back rate from 1% to 1.25% when you pay your bill on time for that month. With no annual fee and no foreign transaction fee, Journey Student Rewards costs nothing and is even good for study abroad.

Pros

Build your credit as a student
No annual fee
1% cash back on all purchases

Cons

Higher than average APR

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	None
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Travel and Emergency Assistance

Get Started with Journey Student Rewards from Capital One

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HSBC Gold Mastercard Review

Rating: 4 Stars

Bottom Line:
Extended Purchase Payoff Period

Apply Now

Card Details

Regular APR:	13.24%, 17.24% or 21.24% (Variable)
Intro APR (Purchases):	0% for 18 months
Intro APR (Balance transfers):	0% for 18 months
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% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
No Penalty APR.
Late Fee Waiver.
No Foreign Transaction Fees.
$0 Annual Fee.
$0 liability for unauthorized purchases.

Is HSBC Gold Mastercard worth it?

HSBC Gold Mastercard is a great card for balance transfers and paying off big purchases over time, with a 0% Intro APR for 18 months. This card also allows one missed payment per year without charging a late fee.

Pros

0% Intro APR on purchases and balance transfers for 18 months
No annual fee

Cons

Higher than average balance transfer
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	None
Balance Transfer Fee	4% of the balance transfer amount/credit card check or $10, whichever is greater
Cash Advance Fee	4% of the transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Get Started with HSBC Gold Mastercard

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Gold Delta SkyMiles Business from American Express Review

Gold Delta SkyMiles? Business Credit Card from American Express

Rating: 4 Stars

Bottom Line:
Delta Perks for Business

Apply Now

Card Details

Regular APR:	17.74% – 26.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 miles for every dollar spent on eligible purchases made directly with Delta 1 mile for every eligible dollar you spend on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 for the first year; then $95
Card Brand:	American Express

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

Offer Highlights

Click APPLY NOW to apply online
Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
Pay no foreign transaction fees when you spend overseas.
$0 introductory annual fee for the first year, then $95. Terms and limitations apply

Is Gold Delta SkyMiles Business from American Express worth it?

Gold Delta SkyMiles Business from American Express is a great travel card for people who fly Delta fairly often. Perks include priority boarding, a free checked bag, and no foreign transaction fee. As a sidenote, the cash advance fee is 3% on the Gold Delta SkyMiles Business card and 5% on the Gold Delta SkyMiles consumer card.

Pros

30,000 bonus miles after spending $1,000 in purchases in first 90 days of account opening
Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases on top of Delta flights)
Check your first bag free on Delta flights
No foreign transaction fee

Cons

Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
Miles don’t contribute towards Delta?s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses

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	No Balance Transfers Allowed
Cash Advance Fee	3% of transaction amount or $5, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Roadside Assistance

Travel Assistance

Get Started with Gold Delta SkyMiles Business Credit Card from American Express

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Gold Delta SkyMiles Credit Card from American Express Review

Rating: 4 Stars

Bottom Line:
Perks for Delta Flyers

Apply Now

Card Details

Regular APR:	17.74%-? 26.74% Variable
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 miles for every dollar spent on eligible purchases made directly with Delta 1 mile for every eligible dollar you spend on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 for the first year; then $95
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 Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn one mile for every eligible dollar you spend on other purchases.
Settle into your seat sooner with Main Cabin 1 Priority Boarding.
Enjoy a $0 introductory annual fee for the first year, then $95.

Is Gold Delta SkyMiles Credit Card from American Express worth it?

Gold Delta SkyMiles Credit Card from American Express is a great travel card for people who fly Delta often. Perks include priority boarding, a free checked bag, and no foreign transaction fee.

Pros

30,000 bonus miles after spending $1,000 in purchases in first 90 days of account opening
Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases on top of Delta flights)
Check your first bag free on Delta flights
No foreign transaction fee

Cons

Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
Miles don’t contribute towards Delta’s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses

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% on transaction amount or $5, whichever is greater
Cash Advance Fee	3% of transaction amount or $5, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Roadside Assistance

Travel Assistance

Get Started with Gold Delta SkyMiles Credit Card from American Express

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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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Brex Card for Startups Review

Rating: 5 Stars

Bottom Line:
Startups Can Get Approved For This Rewards Business Card With $100,000 In Bank Account

Apply Now

Card Details

Regular APR:	None
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	7 points per dollar spent on rideshares and taxis (all points multipliers are for Brex Exclusive members only) 4 points per dollar spent on travel booked through Brex Travel 3 points per dollar spent at restaurants 2 points per dollar spent on recurring software/SaaS purchases 1 point per dollar spent on everything else
Credit Needed:	(740-850) Excellent
Annual Fee:	Up to $60
Card Brand:	Mastercard?

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

Offer Highlights

Click APPLY NOW to apply online
Expenses are consolidated over 30 days into one monthly payment.
$100,000 in a bank account is required for Brex Card for Startups.
No personal guarantee needed – we do not ask for a personal credit check or security deposit during the application.
Instant approvals and access a virtual card immediately for online and recurring transactions. Seamlessly add new users, issue new cards, and set specific spending limits.
Enjoy worldwide acceptance with no foreign transaction fees.
Make employee expenses seamless – automated receipt-capture and expense matching and reconciliation via text and email.
Simplify reconciliation with built-in integrations with Quickbooks, Xero and more.
Never liable for unauthorized transactions. Your account stays secure with 24/7 real-time fraud monitoring.

Is Brex Card for Startups worth it?

Brex Card for Startups is a credit card for startup businesses that offers a significantly higher credit limit than other business cards. The annual fee for Brex cards is up to $60, significantly lower than the annual fee for traditional business cards.

Pros

High credit limits
No personal guarantee required – does not impact personal credit

Cons

Requires $100,000 in a bank account to qualify
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	$0
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Brex Card for Startups

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Brex Card for Ecommerce Review

Rating: 5 Stars

Bottom Line:
60-Day Charge Card for Ecommerce Startups With $100,000 In Monthly Revenue

Apply Now

Card Details

Regular APR:	None
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(740-850) Excellent
Annual Fee:	Up to $60
Card Brand:	Mastercard

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

Offer Highlights

Click APPLY NOW to apply online
60-day interest-free non-revolving credit for e-commerce businesses. Pay for your inventory today and you?ll have 60 days to pay Brex back.
Get a credit limit at 50-100% of your projected monthly sales, up to $5 million.
$100,000 in monthly sales required to qualify for Brex Card for Ecommerce.
No personal guarantee needed – we do not ask for a personal credit check or security deposit during the application.
Instant approvals and access a virtual card immediately for online and recurring transactions. Seamlessly add new users, issue new cards, and set specific spending limits.
Enjoy worldwide acceptance with no foreign transaction fees.
Make employee expenses seamless – automated receipt-capture and expense matching and reconciliation via text and email.
Simplify reconciliation with built-in integrations with Quickbooks, Xero and more.
Never liable for unauthorized transactions. Your account stays secure with 24/7 real-time fraud monitoring.

Is Brex Card for Ecommerce worth it?

Brex Card for Ecommerce is a 60-day charge card for startup businesses that offers a significantly higher credit limit than other business cards. The annual fee for Brex cards is up to $60, significantly lower than the annual fee for traditional business cards.

Pros

Extra 60 days to pay off balance without interest
High credit limits
No personal guarantee required – does not impact personal credit

Cons

Requires $100,000 in monthly revenue to qualify
No intro bonus
No rewards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Brex Card for Ecommerce

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