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Annual fee, sign-up offer, rewards, APR and foreign transaction fee for popular US cards — each figure taken from the issuer’s own page and dated. Where the issuer page did not show a number, we say “See issuer” instead of guessing.
Terms checked 30 September 2026 · read from issuer pages21Cards compared
13No annual fee
8Issuers
9Card types
📬21 daysMinimum to pay the bill
🔔45 daysNotice of rate rises
💳COMPARE SMARTER
🆓13No-annual-fee cards
🏛️8Issuers compared
🔎 Find the right card for your spending
21 cards match your filters. Listed without ranking; figures are from issuer pages.
| Card | Annual fee | Top rewards | Sign-up offer | APR | Foreign fee |
|---|---|---|---|---|---|
| Chase Sapphire Preferred® Credit Card Chase · as of September 30, 2026 | $95 | 5x points — Chase Travel | 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening | 19.24% – 27.49% variable | None |
| Chase Sapphire Reserve® Credit Card Chase · as of September 30, 2026 | $795 | 8x points — All purchases through Chase Travel (including The Edit) | 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening | 19.49% – 29.99% variable | None |
| Chase Freedom Unlimited® Credit Card Chase · as of September 30, 2026 | $0 | 5% cash back — Chase Travel | $200 bonus after you spend $500 on purchases in the first 3 months from account opening | 18.24% – 27.74% variable (after intro period) | See issuer |
| Chase Freedom Flex® Credit Card Chase · as of September 30, 2026 | $0 | 5% cash back — Rotating quarterly categories (activation required), on up to $1,500 per quarter | $250 bonus after you spend $500 on purchases in the first 3 months from account opening | 18.24% – 27.74% variable (after intro period) | None |
| American Express® Gold Card American Express · as of September 30, 2026 | $325 | 4X points — Restaurants worldwide (up to $50K per calendar year) | Amex advertises a welcome offer of “as high as” 100,000 Membership Rewards points after $8,000 in purchases in the first 6 months; offers vary and you may not be eligible | See issuer | None |
| The Platinum Card® from American Express American Express · as of September 30, 2026 | $895 | 5X points — Flights booked directly with airlines or via American Express Travel (up to $500,000 per calendar year) | Amex advertises a welcome offer of “as high as” 175,000 Membership Rewards points after $12,000 in purchases in the first 6 months; offers vary and you may not be eligible | See issuer | None |
| Blue Cash Preferred® Card from American Express American Express · as of September 30, 2026 | $95 | 6% cash back — U.S. supermarkets (up to $6,000 per year, then 1%) | $250 statement credit after you spend $3,000 in purchases on the new card within the first 6 months | 19.49% – 28.49% variable (after intro period) | See issuer |
| Blue Cash Everyday® Card from American Express American Express · as of September 30, 2026 | $0 | 3% cash back — U.S. supermarkets (up to $6,000 per year, then 1%) | See issuer | 19.74% – 28.74% variable (after intro period) | See issuer |
| Capital One Venture Rewards Credit Card Capital One · as of September 30, 2026 | $95 | 5X miles — Hotels, vacation rentals and rental cars booked through Capital One Travel | 75,000 bonus miles after you spend $4,000 within the first 3 months from account opening | 19.49% – 28.49% variable | None |
| Capital One Venture X Rewards Credit Card Capital One · as of September 30, 2026 | $395 | 10X miles — Hotels and rental cars booked through Capital One Travel | See issuer | 19.49% – 28.49% variable | None |
| Savor Rewards from Capital One Capital One · as of September 30, 2026 | $0 | 5% cash back — Hotels, vacation rentals and rental cars via Capital One Travel | $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening | 18.49% – 28.49% variable (after intro period) | None |
| Platinum from Capital One Capital One · as of September 30, 2026 | $0 | None listed by issuer — Rewards program | See issuer | 28.99% variable | See issuer |
| Capital One Quicksilver Cash Back Credit Card Capital One · as of September 30, 2026 | $0 | 1.5% cash back — Every purchase | $200 cash bonus (see issuer for the spending requirement) | 18.49% – 28.49% variable (after intro period) | None |
| Discover it® Cash Back Credit Card Discover · as of September 30, 2026 | $0 | 5% cash back — Rotating quarterly categories (activation required), up to the quarterly maximum | Unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year (automatic; no limit) | 18.49% – 28.49% variable (after intro period) | None |
| Citi Double Cash® Card Citi · as of September 30, 2026 | $0 | 2% cash back — Every purchase (1% when you buy + 1% as you pay) | See issuer | 17.49% – 27.49% variable, based on creditworthiness | 3% of the U.S. dollar amount of each purchase |
| Citi Strata Premier® Card Citi · as of September 30, 2026 | $95 | 10 points per $1 — Hotels, car rentals and attractions booked on cititravel.com | See issuer | 20.24% – 28.24% variable, based on creditworthiness | None |
| Wells Fargo Active Cash® Card Wells Fargo · as of September 30, 2026 | $0 | 2¢ (2%) cash rewards — Every $1.00 of net purchases | $200 cash rewards bonus after at least $500 in net purchases within 3 months of opening | 18.74%, 24.74% or 28.74% variable (after intro period) | 3% of each transaction converted to U.S. dollars |
| Bank of America® Customized Cash Rewards Credit Card Bank of America · as of September 30, 2026 | $0 | 6% for the first year, then 3% — Choice category (gas/EV charging, online shopping, dining, travel, drug stores, home improvement/furnishings) — first $2,500 in combined choice-category and grocery/wholesale purchases each quarter | $200 cash rewards bonus after at least $1,000 in purchases within the first 90 days | 17.49% – 27.49% variable | See issuer |
| Bank of America® Unlimited Cash Rewards Credit Card Bank of America · as of September 30, 2026 | $0 | Unlimited 1.5% cash back — Every purchase | $250 cash rewards bonus after at least $1,000 in purchases within the first 90 days | 17.49% – 27.49% variable (after intro period) | See issuer |
| Bank of America® Travel Rewards Credit Card Bank of America · as of September 30, 2026 | $0 | Unlimited 1.5 points — Every $1 spent on everyday purchases | 25,000 online bonus points (worth a $250 statement credit) after at least $1,000 in purchases in the first 90 days | 17.49% – 27.49% variable (after intro period) | None |
| U.S. Bank Cash+® Visa Signature® Card U.S. Bank · as of September 30, 2026 | $0 | 5% cash back — Two categories you choose (first $2,000 in combined purchases per quarter, then 1%) | $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days | See issuer | See issuer |
Figures come from each issuer’s page (see the card page for the source link) and were checked on the date shown. Offers, rates and eligibility change often and the issuer’s terms control. “See issuer” = not shown on the issuer page we read. FinancePortal is not a card issuer and does not receive payment for the order of this list.
🗂️ Browse by type
💳No Annual Fee Credit CardsCompare cards in this category →💳Cash Back Credit CardsCompare cards in this category →💳Travel Credit CardsCompare cards in this category →💳Credit Cards with a 0% Intro APRCompare cards in this category →💳Balance Transfer Credit CardsCompare cards in this category →💳Flat-Rate Rewards Credit CardsCompare cards in this category →💳Premium Travel & Rewards Credit CardsCompare cards in this category →💳Credit Cards for DiningCompare cards in this category →💳Credit Cards for GroceriesCompare cards in this category →
🏛️ Credit cards by issuer
💳 How a credit card works
- Credit limitThe issuer sets a limit based on your income and credit history; purchases reduce your available credit.
- Billing cycle and statementYour purchases are totalled on a statement each billing cycle.
- Due dateUnder the CARD Act, the due date is at least 21 days after the statement is sent. Pay the full statement balance and, on most cards, you pay no interest on new purchases.
- Minimum paymentPaying only the minimum keeps the account in good standing, but the rest of the balance accrues interest at your APR.
- RewardsCash back, points or miles are earned on eligible purchases; categories and caps differ by card, so check the card page.
💵 Fees and charges to know
| Charge | What it is | Where to check |
|---|---|---|
| Annual fee | Yearly fee for keeping the card open; many cards charge $0. | Card page, “Annual fee” |
| Purchase APR | Interest rate on balances you carry; usually variable and based on creditworthiness. | Card page, “Fees & APR” |
| Intro APR | A temporary low or 0% rate on purchases and/or balance transfers. | Card page, “Intro APR offer” |
| Balance transfer fee | A fee charged when you move a balance from another card. | Issuer terms; see balance transfer calculator |
| Foreign transaction fee | A fee some cards add to purchases made abroad or in another currency. | Card page, “Foreign transaction fee” |
| Late fee | Charged if the minimum payment is not made by the due date. | Issuer’s pricing and terms |
🛡️ Your rights as a cardholder
- Your due date must be at least 21 days after the bill is sent.
- The issuer generally must give 45 days’ advance notice before raising the interest rate for new purchases or making other significant changes.
- You can dispute billing errors with your issuer; see the CFPB guidance.
- You can check your credit reports free — see our free credit reports guide.
Sources: CFPB — changing account terms, interest rate increases.
🧮 Credit card calculators
📚 Credit guides
📝 How to apply for a credit card
Requirements differ by issuer. This is what most card applications involve.
Who can apply (eligibility)
- You generally must be at least 18; if you are under 21, federal rules require you to show independent ability to make payments or have a cosigner (CARD Act)
- A credit history the issuer can review; requirements vary by card and issuer
- Income you can report for the application
- A US mailing address; some issuers also ask for a Social Security number or, where accepted, an ITIN
Documents and information
- You usually do not upload documents for a card application; you provide information instead
- Full legal name, date of birth and Social Security number (or ITIN where the issuer accepts it)
- Home address and how long you have lived there
- Employment status and total annual income you can rely on to pay
- Monthly housing payment
- The issuer may ask for proof of identity or income if it cannot verify your application
How to apply, step by step
- Check your credit reports and read the card’s fee, APR and rewards terms.
- Look for pre-qualification with a soft credit check on the issuer’s site, if it is offered.
- Apply on the issuer’s official website (the “View terms” button on each card page goes to the issuer).
- Answer the application questions accurately and submit; the issuer may decide instantly or ask for more information.
- If approved, wait for the card, activate it and set up autopay and due-date alerts.
- Track any sign-up spending requirement and its deadline.
A full application usually causes a hard inquiry on your credit report; see the guide on hard vs soft inquiries. Every lender sets its own requirements, so confirm the list with the lender before you apply.
❓ Frequently asked questions
Are these cards ranked?
No. Cards are listed without a ranking, and FinancePortal does not receive payment for their order. Use the filters to narrow the list, then compare the numbers.
Where do the figures come from?
Each figure is taken from the issuer’s own card page and dated. The card page links to the exact source. Offers and rates change often, so the issuer’s terms control.
What does “See issuer” mean?
The issuer page we read did not show that figure, so we did not guess. Check the issuer’s terms before you apply.
Will applying affect my credit?
A full application usually causes a hard inquiry. Read our guide on hard vs soft inquiries →