CREDIT CARD
Other

Discover it Student Cash Back

3.75 of 5
💵
Annual fee
Free
🌎
Foreign transaction fees
No
🔄
Balance Transfer Fee
Yes
Bonus Points
No
SEE HOW TO APPLY

The Discover it Student Cash Back credit card is an excellent choice for students looking to earn rewards while building credit.

This card offers a blend of rewards, cashback, and educational resources, making it perfect for students who are new to credit cards and looking to maximize their spending.

It’s designed for those who spend on everyday purchases and want to earn rewards without paying an annual fee.


About the Financial Institution: Discover

Discover Financial Services, the issuer of the Discover it Student Cash Back card, is a well-known American financial institution that specializes in banking and payment services.

It operates the Discover Network, which provides financial services, including credit cards, personal loans, and student banking products.

As a pioneer in online banking, Discover offers a user-friendly online platform for managing accounts and accessing services, positioning itself as a trusted financial institution for millions of customers.


Who Is This Card For?

The Discover it Student Cash Back credit card is primarily aimed at students looking to build credit while earning cashback rewards on their purchases.

It’s ideal for individuals who have little to no credit history and are interested in learning how to responsibly use a credit card.

The card is a great way for students to get started on their financial journey, offering valuable tools to help them manage their finances.

If you’re a student who frequently makes purchases at restaurants, grocery stores, or online retailers, the Discover it Student Cash Back card is an excellent option.

It rewards students with cashback on rotating categories, which can help maximize their spending potential.


Advantages of the Discover it Student Cash Back Card

  1. Cashback Rewards: The Discover it Student Cash Back card offers 5% cashback on rotating categories each quarter, such as restaurants, grocery stores, and online shopping. This means students can earn a high cashback rate on the purchases they make most often. 1% cashback is earned on all other purchases.
  2. No Annual Fee: One of the most appealing features of this card is that it has no annual fee, making it a cost-effective choice for students who are just starting out with credit cards.
  3. Cashback Match: Discover matches all the cashback you’ve earned at the end of your first year. This means if you earn $200 in cashback, Discover will match that amount, giving you $400 in total rewards. This generous welcome bonus is perfect for students looking to get the most value from their card.
  4. Automatic Credit Reviews: Discover conducts monthly credit reviews to ensure that your credit limit is adjusted based on your responsible card usage. This helps students manage their credit utilization ratio and may help them increase their credit limit as they grow their credit history.
  5. No Foreign Transaction Fees: If you’re studying abroad or traveling internationally, the Discover it® Student Cash Back card doesn’t charge any foreign transaction fees, making it a great option for international students or those planning to travel.

Additional Benefits

  1. Free FICO® Credit Score: The card provides access to your FICO® credit score for free. This allows students to monitor their credit health and track their progress in building their credit score over time.
  2. 0% Introductory APR: For new cardholders, there is a 0% introductory APR on purchases for the first six months. This is an excellent opportunity for students to make larger purchases and pay them off over time without incurring interest charges during the introductory period.
  3. Student-Friendly Resources: Discover offers various educational tools designed to help students improve their financial literacy, including tips for building credit and managing debt.
  4. Security Features: The card offers $0 fraud liability, so if your card is lost or stolen, you won’t be responsible for any unauthorized purchases. Additionally, you can receive alerts for any suspicious activity, helping you stay informed about your account.

Fees and charges

OTHER FEES

● Introductory APR: 0% for 6 billing cycles;
● Standard APR: 17.24% - 26.24%;
● Balance Transfer Fee: 3% intro fee for transfers by April 10, 2025; up to 5% thereafter;
● Cash Advance: either $10 or 5% of the amount of each cash advance.

Expert review

The Discover it® Student Cash Back card is an excellent choice for students looking to build credit while earning rewards.

With a 5% cashback on rotating categories like restaurants and grocery stores (up to a quarterly limit), and 1% on all other purchases, it offers solid rewards on everyday spending.

The card also provides a cashback match in the first year, allowing you to double your rewards.

No annual fee, a free FICO® credit score, and no foreign transaction fees make it an attractive option for students seeking both value and simplicity.

SEE HOW TO APPLY

You will remain on this site

+Positive points

  • 5% cashback on rotating categories (up to the quarterly limit).
  • 1% cashback on all other purchases.
  • Cashback match in the first year, doubling the rewards.
  • No annual fees or foreign transaction fees.
  • Free access to your FICO® credit score.

- Negative points

  • The 5% rotating categories require quarterly enrollment.
  • The 5% cashback limit may apply depending on the category.
  • Cashback is limited to a maximum amount per quarter on the rotating categories.

Expert rating

Fees
4,00
Benefits
3,50
Final Rating
3,75

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Discover it Student Cash Back
Discover it Cash Back
Discover it Cash Back
Discover it Cash Back
Discover it Secured Credit Card
Discover it Secured Credit Card
Discover it Secured Credit Card
Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
Free
Card network
Card network
Other
Card network
Other
Card network
Other
Foreign transaction fees
Foreign transaction fees
No
Foreign transaction fees
No
Foreign transaction fees
No
Balance Transfer Fee
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Balance Transfer Fee
No
Bonus Points
Bonus Points
No
Bonus Points
Yes
Bonus Points
Yes
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CREDIT CARD
Visa

U.S. Bank Altitude Connect Visa Signature Card

4.25 of 5
💵
Annual fee
Free
🌎
Foreign transaction fees
No
🔄
Balance Transfer Fee
Yes
Bonus Points
Yes
SEE HOW TO APPLY

The U.S. Bank Altitude Connect Visa Signature® Card is a premium travel rewards credit card designed for individuals who frequently travel and dine out.

It offers an impressive bonus rewards structure, providing 4X points on travel and gas stations, 2X points on dining, streaming services, and grocery stores, and 1X points on all other purchases.

With a generous welcome bonus, travel perks, and no foreign transaction fees, this card is a strong contender in the competitive rewards credit card market.

Additionally, it offers valuable benefits, such as annual streaming service credits, travel protections, and Visa Signature perks, making it an attractive option for those who prioritize both rewards and convenience.

About the Financial Institution

The U.S. Bank, one of the largest and most reputable banks in the United States, issues this credit card.

Founded in 1863, U.S. Bank has a strong history of providing innovative financial products and excellent customer service.

The bank offers a wide range of financial services, including personal and business banking, investment management, and credit solutions.

With a commitment to digital banking and security, U.S. Bank ensures cardholders have access to top-tier financial tools, fraud protection, and a seamless banking experience through its mobile app and website.

Who Is This Card For?

The U.S. Bank Altitude Connect Visa Signature® Card is best suited for individuals who:

  • Travel frequently, whether for work or leisure, and want to earn rewards on flights, hotels, and gas.
  • Dine out regularly and wish to maximize points on restaurant purchases.
  • Stream digital content, as the card provides an annual streaming credit.
  • Value premium travel benefits, including TSA PreCheck® or Global Entry reimbursement.
  • Prefer a flexible rewards program, as points can be redeemed for travel, cash back, gift cards, and more.

If you are someone who spends heavily on travel, gas, and dining, this card can provide excellent rewards and benefits that outweigh the $95 annual fee (waived for the first year).

Key Advantages of the Card

Generous Welcome Bonus
New cardholders can earn a substantial introductory bonus after meeting the minimum spending requirement within the first few months. This bonus can be redeemed for flights, hotels, or statement credits.

4X Points on Travel & Gas Stations
Earn 4X points on eligible travel purchases, including flights, hotels, rental cars, and gas station purchases—a highly competitive rewards rate in the travel credit card space.

2X Points on Dining, Grocery Stores & Streaming Services
Enjoy 2X points on everyday spending categories, including restaurants, grocery stores, and popular streaming services such as Netflix, Spotify, and Hulu.

TSA PreCheck® or Global Entry Credit
Receive up to $100 reimbursement for TSA PreCheck® or Global Entry application fees, helping you streamline airport security checks.

No Foreign Transaction Fees
Unlike some other travel rewards cards, this card charges no foreign transaction fees, making it ideal for international travelers.

$30 Annual Streaming Credit
Cardholders can receive $30 in statement credits per year when they pay for eligible streaming services.

Versatile Redemption Options
Points can be redeemed for travel, statement credits, cash back, gift cards, and more, allowing for flexible rewards usage.

Comprehensive Travel Protections
The card includes benefits such as travel accident insurance, rental car collision damage waiver, and trip cancellation/interruption insurance.

Cell Phone Protection
Cardholders who pay their phone bill with this card are eligible for up to $600 in cell phone protection against theft or damage.

Additional Benefits

Visa Signature Perks
As a Visa Signature card, this credit card provides additional benefits such as:

  • Luxury hotel privileges, including room upgrades and late checkout.
  • Concierge service for travel planning and dining reservations.
  • Exclusive access to events, shopping deals, and dining experiences.

Contactless Payments & Digital Wallet Compatibility
The card supports contactless payments and is compatible with Apple Pay, Google Pay, and Samsung Pay, offering enhanced security and convenience.

Security Features

  • Zero Fraud Liability Protection – You won’t be held responsible for unauthorized charges.
  • Real-Time Alerts – Get instant notifications for unusual transactions.
  • 24/7 Customer Service – Access to dedicated support whenever needed.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $41;
Returned payment: Up to $41;

OTHER FEES

● APR: 17.24% - 28.24%;
● Balance Transfer Fee: either 3% of the amount of each transfer or $5 minimum;
● Cash Advance: either 5% of the amount of each advance or $10 minimum.

Expert review

The U.S. Bank Altitude Connect Visa Signature® Card is a top-tier travel rewards card designed for frequent travelers and everyday spenders.

With 4X points on travel and gas stations, 2X points on dining, grocery stores, and streaming services, and a generous welcome bonus, this card offers excellent value.

It also provides TSA PreCheck® or Global Entry credit, no foreign transaction fees, and comprehensive travel protections.

The $95 annual fee (waived for the first year) is reasonable, given its benefits.

Ideal for those seeking versatile redemption options and premium travel perks, this card is a strong competitor in the rewards category.

SEE HOW TO APPLY

You will remain on this site

+Positive points

  • High rewards rate on travel and gas: Earn 4X points on travel and gas station purchases.
  • Bonus points on everyday spending: Get 2X points on dining, grocery stores, and streaming services.
  • Generous welcome offer: New cardholders can earn a substantial sign-up bonus.
  • Travel perks: Includes TSA PreCheck® or Global Entry reimbursement and travel protections.
  • No foreign transaction fees: Ideal for international travelers.

- Negative points

  • $95 annual fee: While waived the first year, the fee may not be ideal for casual spenders.
  • Limited premium travel benefits: Lacks lounge access and higher-tier luxury perks.
  • Redemption restrictions: Some rewards may be more valuable when redeemed through U.S. Bank’s portal.

Expert rating

Fees
4,50
Benefits
4,00
Final Rating
4,25

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U.S. Bank Altitude Connect Visa Signature Card
U.S. Bank Altitude Go Visa Signature Card
U.S. Bank Altitude Go Visa Signature Card
U.S. Bank Altitude Go Visa Signature Card
Citi Simplicity Card
Citi Simplicity Card
Citi Simplicity Card
Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
Free
Card network
Card network
Visa
Card network
Visa
Card network
Mastercard
Foreign transaction fees
Foreign transaction fees
No
Foreign transaction fees
Yes
Foreign transaction fees
No
Balance Transfer Fee
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Bonus Points
Bonus Points
Yes
Bonus Points
Yes
Bonus Points
Yes
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CREDIT CARD
Visa

U.S. Bank Shopper Cash Rewards Visa Signature Card

4 of 5
💵
Annual fee
Free
🌎
Foreign transaction fees
Yes
🔄
Balance Transfer Fee
Yes
Bonus Points
Yes
SEE HOW TO APPLY

The U.S. Bank Shopper Cash Rewards Visa Signature Card is a premium cash-back credit card designed specifically for individuals who prioritize savings on everyday purchases.

Unlike traditional cash-back cards that offer fixed reward rates, this card allows customization, letting users choose two major retailers every quarter where they can earn 5% cash-back.

About U.S. Bank

U.S. Bank, officially known as U.S. Bancorp, is a top-tier financial institution in the United States, offering a wide range of personal, business, and investment banking services.

Established in 1863, U.S. Bank has a long-standing reputation for financial stability, innovation, and customer-centric solutions.

As the fifth-largest commercial bank in the U.S., U.S. Bank serves millions of customers nationwide, providing everything from checking and savings accounts to mortgages, credit cards, and investment services.

The bank is known for its advanced digital banking tools, strong security measures, and competitive credit card products, making it a trusted choice for both consumers and businesses.

Who Is This Card For?

The U.S. Bank Shopper Cash Rewards Visa Signature Card is tailored for individuals who frequently shop at major retailers and want to maximize their cash-back rewards. This card is ideal for:

Frequent shoppers who consistently make purchases at grocery stores, department stores, wholesale clubs, and major online retailers.

Budget-conscious consumers who want to save money on everyday essentials and strategically select cash-back categories to match their spending habits.

Families and households looking for substantial savings on groceries, gas, and dining—three of the most common spending categories.

Tech-savvy consumers who enjoy using contactless payments, mobile wallets, and digital banking for convenience and security.

People who pay off their balances in full each month, ensuring they maximize rewards without incurring interest charges.

Key Advantages of the Card

The U.S. Bank Shopper Cash Rewards Visa Signature Card is loaded with features that make it one of the most rewarding cash-back cards available today.

High Cash-Back Rewards

5% Cash-Back on Two Selected Retailers – Every quarter, cardholders can select two major retailers from an approved list to earn 5% cash-back on their purchases, up to $2,000 per quarter ($100 max cash-back per quarter). Examples of eligible retailers include:
Walmart, Target, Costco, Sam’s Club (for household shopping)
Apple, Best Buy (for tech purchases)
Macy’s, Nordstrom, Kohl’s (for fashion and apparel)

3% Cash-Back on Everyday Essentials – Users automatically earn 3% cash-back on:
Dining, including restaurants and takeout
Gas stations and EV charging stations
Grocery stores and delivery services

1.5% Cash-Back on All Other Purchases – No matter where you shop, you’ll earn a solid 1.5% cash-back rate on all other eligible purchases, ensuring consistent rewards.

Additional Financial Benefits

0% Introductory APR for 15 Billing Cycles – New cardholders benefit from a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles, helping with large purchases or consolidating debt.

No Annual Fee for the First Year – While the card has a $95 annual fee, U.S. Bank waives it for the first year, allowing users to enjoy rewards without immediate costs.

Flexible Redemption Options – Cash-back rewards can be redeemed in multiple ways, including:
Statement credits (reduce your monthly balance)
Direct deposit into a U.S. Bank checking or savings account
Gift cards from major retailers

Premium Visa Signature Benefits

Travel Protection and Insurance – Enjoy coverage for travel accidents, lost luggage reimbursement, trip delay, and cancellation protection when booking with the card.

Auto Rental Collision Damage Waiver – Receive rental car insurance when paying with the card, saving money on expensive rental policies.

Extended Warranty and Purchase Protection – Get extended coverage on eligible items and purchase protection against theft or damage.

Concierge Service and Exclusive Discounts – Access 24/7 Visa Signature concierge services, plus VIP event access, luxury hotel benefits, and shopping discounts.

Contactless and Mobile Payment Compatibility – Works seamlessly with Apple Pay, Google Pay, and Samsung Pay for quick and secure transactions.


Potential Downsides

While the U.S. Bank Shopper Cash Rewards Visa Signature Card has many advantages, there are a few drawbacks to consider:

$95 Annual Fee After the First Year – Although the first year is free, users will need to spend enough annually to offset this fee.

Quarterly Category Selection Required – Unlike fixed rewards cards, this card requires users to manually select their 5% cash-back categories every three months.

Spending Cap on 5% Rewards – The 5% cash-back is capped at $2,000 per quarter (or $8,000 annually), meaning high spenders may hit the limit quickly.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $41;
Returned payment: Up to $41;

OTHER FEES

● APR: 18.74% - 28.74%;
● Balance Transfer Fee: either 3% of the amount of each transfer or $5 minimum;
● Cash Advance: either 5% of the amount of each advance or $10 minimum.

Expert review

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is an exceptional cash-back credit card designed for frequent shoppers looking to maximize their savings.

It offers 5% cash-back on two selected retailers each quarter (up to $2,000 in purchases), 3% on gas, dining, and groceries, and 1.5% on all other purchases.

With a 0% introductory APR for 15 months and no annual fee for the first year, it’s an attractive option.

However, the $95 annual fee after year one and quarterly category selection requirement may not suit all users.

Ideal for savvy spenders seeking flexibility.

SEE HOW TO APPLY

You will remain on this site

+Positive points

  • High Cash-Back Potential: Earn 5% cash-back on purchases at two selected retailers each quarter (up to $2,000 in purchases).
  • Versatile Bonus Categories: Get 3% cash-back on gas, dining, and groceries.
  • Introductory 0% APR: Benefit from a 0% intro APR for 15 months on purchases and balance transfers.
  • 1.5% Cash-Back on All Other Purchases: Ensures steady rewards even outside of bonus categories.
  • First-Year Annual Fee Waived: No annual fee for the first year, making it cost-effective initially.

- Negative points

  • $95 Annual Fee After the First Year: While waived initially, the fee may reduce long-term savings.
  • Quarterly Category Selection Required: Users must manually choose their top 5% cash-back retailers every quarter.
  • Spending Cap on Bonus Categories: The 5% cash-back is limited to $2,000 in purchases per quarter.

Expert rating

Fees
4,00
Benefits
4,00
Final Rating
4,00

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U.S. Bank Shopper Cash Rewards Visa Signature Card
U.S. Bank Cash+ Visa Signature Card
U.S. Bank Cash+ Visa Signature Card
U.S. Bank Cash+ Visa Signature Card
BankAmericard
BankAmericard
BankAmericard
Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
Free
Card network
Card network
Visa
Card network
Visa
Card network
Mastercard
Foreign transaction fees
Foreign transaction fees
Yes
Foreign transaction fees
Yes
Foreign transaction fees
Yes
Balance Transfer Fee
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Bonus Points
Bonus Points
Yes
Bonus Points
Yes
Bonus Points
Yes
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CREDIT CARD
Visa

Wells Fargo Autographservice mark Card

4.25 of 5
💵
Annual fee
Free
🌎
Foreign transaction fees
No
🔄
Balance Transfer Fee
Yes
Bonus Points
Yes
SEE HOW TO APPLY

The Wells Fargo Autograph℠ Card is a no-annual-fee rewards credit card designed for individuals who want to earn generous points on everyday purchases.

With an unlimited 3X rewards rate on key spending categories like restaurants, travel, gas, streaming, and transit, this card stands out as a valuable option for those seeking flexibility, savings, and convenience.

Beyond its rewards structure, the Autograph℠ Card is travel-friendly, with no foreign transaction fees, making it a great companion for international travelers.

Cardholders can redeem their rewards in multiple ways, including cash back, travel, gift cards, and statement credits, ensuring that the earned points remain versatile and useful.


About Wells Fargo

Wells Fargo is one of the largest and most reputable financial institutions in the United States, with a history dating back to 1852.

The company has built a strong reputation in banking, credit cards, lending, and wealth management, providing innovative financial solutions and a robust digital banking experience.

Wells Fargo stands out for:

  • Strong Customer Service – Nationwide presence with thousands of branches and ATMs.
  • Advanced Digital Banking – User-friendly mobile app and online banking features.
  • Security and Protection – Industry-leading fraud prevention tools.
  • Diverse Financial Offerings – Banking, loans, credit cards, and investment solutions.

The Autograph℠ Card is part of Wells Fargo’s growing portfolio of competitive rewards credit cards, offering valuable perks for everyday spenders and travelers.


Who Should Get the Wells Fargo Autograph℠ Card?

The Wells Fargo Autograph℠ Card is an excellent choice for various types of consumers, including:

Everyday Spenders

If you frequently spend on dining, gas, travel, transit, phone plans, and streaming services, this card allows you to maximize your rewards with unlimited 3X points on these categories.

Frequent Travelers

With no foreign transaction fees, this card is ideal for international travelers who want to earn rewards while avoiding unnecessary fees on purchases made abroad.

Budget-Conscious Consumers

With no annual fee, a strong sign-up bonus, and a 0% intro APR for 12 months, this card is perfect for those who want high-value benefits without additional costs.

Mobile Phone Users

The $600 in cell phone protection (when paying your bill with the card) is a standout feature, making this card a smart choice for those who want extra device security.

First-Time Rewards Credit Card Users

For individuals looking for an easy-to-use rewards credit card without complicated redemption systems, this card provides straightforward and flexible earning potential.


Key Benefits of the Wells Fargo Autograph Card

1. No Annual Fee

Unlike many rewards credit cards, the Wells Fargo Autograph℠ Card does not charge an annual fee, making it a cost-effective option for earning points.

2. Strong Welcome Bonus

  • Earn 20,000 bonus points ($200 value) after spending $1,000 in the first 3 months.
  • This is a competitive sign-up offer, considering the card has no annual fee.

3. 3X Points on Everyday Spending

  • Earn unlimited 3X points on:
    • Restaurants
    • Travel & Transit
    • Gas Stations
    • Popular Streaming Services
    • Phone Plans
  • Earn 1X points on all other purchases.
  • These categories cover essential, frequent expenses, making it easy to accumulate rewards.

4. No Foreign Transaction Fees

  • Many no-annual-fee cards charge foreign transaction fees (around 3%)—but not the Autograph℠ Card.
  • This makes it ideal for international purchases and travel.

5. Cell Phone Protection

  • Get up to $600 in coverage for damage or theft when you pay your monthly phone bill with the card.
  • Subject to a $25 deductible.

6. 0% Intro APR on Purchases

  • Enjoy 0% APR for the first 12 months on new purchases.
  • A great feature for those planning to finance a large purchase.

7. Flexible Redemption Options

  • Points never expire, and can be redeemed for:
    • Cash back (statement credit or bank deposit)
    • Travel bookings (flights, hotels, car rentals)
    • Gift cards
    • Merchandise
  • No complicated airline transfer partners—just straightforward redemption.

8. Enhanced Security & Protection Features

  • Zero Liability Protection: You are not responsible for unauthorized transactions.
  • Real-time Fraud Monitoring: Alerts for suspicious activity.
  • Visa Signature® Benefits:
    • Travel and emergency assistance
    • Roadside dispatch services
    • Special event access and discounts (concerts, dining, sports)

Additional Benefits That Enhance the Card’s Value

Beyond rewards and security, the Wells Fargo Autograph℠ Card provides additional perks:

Auto Rental Collision Damage Waiver – Use your card to pay for a rental car and get coverage against theft and damages.
Travel & Emergency Assistance Services – 24/7 access to emergency travel assistance, including medical and legal referrals.
Concierge Service – Visa Signature® provides access to exclusive event tickets, dining reservations, and more.
Extended Warranty Protection – Get additional coverage on eligible purchases beyond the manufacturer’s warranty.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $40;

OTHER FEES

● Introductory APR: 0% for 12 billing cycles;
● Standard APR: 19.24% - 29.24%;
● Balance Transfer Fee: intro fee - $5 or 3% per transfer for 120 days. Then up to 5% (min. $5);
● Cash Advance: either $10 or 5% of the amount of each advance.

Expert review

The Wells Fargo Autograph℠ Card is an excellent no-annual-fee credit card, offering unlimited 3X points on key spending categories like restaurants, travel, gas, streaming, and transit.

It stands out for its generous rewards structure, strong welcome bonus, and no foreign transaction fees, making it ideal for everyday use and travel.

Additionally, it provides $600 in cell phone protection, Visa Signature® benefits, and flexible redemption options, including cash back and travel.

However, it lacks premium travel perks like lounge access or airline transfer partners. Overall, it’s a versatile, high-value rewards card.

SEE HOW TO APPLY

You will remain on this site

+Positive points

  • No Annual Fee: Enjoy all the benefits without any yearly costs.
  • 3X Points on Key Categories: Earn triple points on dining, travel, gas, streaming, and transit purchases.
  • Generous Welcome Bonus: New cardholders can earn a substantial bonus after meeting spending requirements.
  • No Foreign Transaction Fees: Ideal for international travelers who want to save on extra charges.
  • Cell Phone Protection: Receive up to $600 in coverage against damage or theft when paying your phone bill with the card

- Negative points

  • No Premium Travel Benefits: Lacks perks like airport lounge access or airline transfer partners.
  • Limited Redemption Options: While points can be used for travel and cash back, they don’t transfer to airline or hotel loyalty programs.
  • High APR for Carried Balances: Interest rates can be steep if you don’t pay off the balance in full each month.

Expert rating

Fees
4,50
Benefits
4,00
Final Rating
4,25

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Wells Fargo Autographservice mark Card
Wells Fargo Attuneservice mark Card
Wells Fargo Attuneservice mark Card
Wells Fargo Attuneservice mark Card
Ally Platinum Mastercard
Ally Platinum Mastercard
Ally Platinum Mastercard
Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
Free
Card network
Card network
Visa
Card network
Mastercard
Card network
Mastercard
Foreign transaction fees
Foreign transaction fees
No
Foreign transaction fees
Yes
Foreign transaction fees
No
Balance Transfer Fee
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Bonus Points
Bonus Points
Yes
Bonus Points
Yes
Bonus Points
Yes
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CREDIT CARD
Visa

Wells Fargo Autograph Journey Card

3.75 of 5
💵
Annual fee
$95.00
🌎
Foreign transaction fees
No
🔄
Balance Transfer Fee
Yes
Bonus Points
Yes
SEE HOW TO APPLY

The Wells Fargo Autograph Journey Card is a premium travel rewards credit card designed for individuals who frequently travel and want to maximize their spending through high-value rewards and exclusive perks.

With a strong earning structure, cardholders can enjoy accelerated points on travel, dining, and everyday purchases.

Unlike traditional airline-branded credit cards, this card offers flexibility in redemption, making it a perfect choice for those who value versatility in their travel rewards.

Key features of the card include:

  • High rewards rates on airfare, hotels, car rentals, and dining.
  • Flexible redemption options including travel, cashback, gift cards, or merchandise.
  • Travel-focused benefits such as annual travel credits, rental car insurance, and no foreign transaction fees.
  • Luxury perks, including concierge services, exclusive experiences, and security protections.

This card is positioned as a direct competitor to travel-focused cards like the Chase Sapphire Preferred® and Capital One Venture Rewards®, offering competitive earning potential and travel-related perks.

About Wells Fargo: A Trusted Financial Institution

Founded in 1852, Wells Fargo & Company is a global financial institution that serves millions of customers across the United States and internationally.

With a strong reputation in banking, credit, and investment services, Wells Fargo has become a household name for financial solutions.

Why Choose Wells Fargo?

  • Over 170 years of financial expertise.
  • One of the largest banks in the U.S., offering secure and innovative banking solutions.
  • A growing credit card portfolio, including Autograph, Reflect, and Active Cash® cards.
  • Strong customer service support with fraud protection and account security features.

The Wells Fargo Autograph Journey Card aligns with the bank’s commitment to providing premium financial products tailored for individuals looking to maximize their travel experiences.

Who is This Card For?

This card is ideal for individuals who:
Travel frequently and want to earn high rewards on airfare, hotels, and dining.
Prefer a flexible travel card that isn’t tied to a single airline or hotel chain.
Enjoy luxury benefits such as concierge services, travel credits, and airport perks.
Want a card with no foreign transaction fees, making it great for international travel.
Appreciate strong security features, including rental car insurance, fraud protection, and extended warranties.

Unlike entry-level travel cards, the Wells Fargo Autograph Journey Card caters to seasoned travelers who want to maximize their spending power and enjoy elite-level benefits.


Card Advantages: Why You Should Consider This Card

The Wells Fargo Autograph Journey Card offers an impressive rewards structure and premium perks that cater to travelers and high spenders.

Generous Rewards Program

  • 5X points on airfare booked directly with airlines.
  • 4X points on hotels, resorts, and car rentals.
  • 3X points on dining, bars, and streaming services.
  • 1X point on all other purchases.

Valuable Welcome Bonus

  • New cardholders can earn a substantial sign-up bonus after meeting a minimum spending requirement within the first three months.

Annual Travel Credits

  • Receive a yearly travel credit that can be applied toward flights, hotels, baggage fees, and more.

No Foreign Transaction Fees

  • Unlike many standard credit cards, this card does not charge foreign transaction fees, making it ideal for international use.

Comprehensive Travel Protections

  • Rental car insurance for collision damage waiver (CDW).
  • Trip delay reimbursement, covering expenses for unexpected travel disruptions.
  • Lost baggage protection, offering financial assistance for misplaced luggage.

Flexible Redemption Options

  • Points can be used for travel, cashback, statement credits, gift cards, or merchandise.
  • No restrictions on airlines or hotel brands, offering maximum flexibility.

Additional Benefits of the Wells Fargo Autograph Journey Card

Beyond rewards, this card provides exclusive perks to enhance your financial and travel experience:

Exclusive Access to Wells Fargo Offers

  • Cardholders receive special discounts and promotions through Wells Fargo’s partnership programs.

Advanced Security Features

  • Zero Liability Protection: Ensures fraud protection against unauthorized transactions.
  • Contactless payments and compatibility with digital wallets like Apple Pay and Google Pay.
  • 24/7 fraud monitoring, ensuring real-time account security.

Concierge and VIP Services

  • Luxury concierge service for booking exclusive events, dining reservations, and travel planning.

Purchase Protections

  • Extended warranties on eligible purchases.
  • Return protection, covering select items beyond a store’s standard return policy.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $40;

OTHER FEES

● APR: 20.24% - 29.24%;
● Balance Transfer Fee: intro fee: $5 or 3% per transfer for 120 days. Then up to 5% (min. $5);
● Cash Advance: either $10 or 5% of the amount of each advance.

Expert review

The Wells Fargo Autograph Journey Card is a highly rewarding travel credit card, ideal for frequent travelers seeking flexibility and premium perks.

With 5X points on airfare, 4X on hotels and car rentals, and 3X on dining, it offers one of the best earning structures in its category.

The annual travel credits, no foreign transaction fees, and comprehensive travel protections make it a strong competitor to cards like the Chase Sapphire Preferred.

However, its annual fee and lack of airport lounge access may not appeal to all users.

Best for high-spending travelers looking for versatile rewards.

SEE HOW TO APPLY

You will remain on this site

+Positive points

  • High rewards rates: Earn 5X points on airfare, 4X on hotels and car rentals, and 3X on dining, making it highly rewarding for travelers.
  • Annual travel credits: Enjoy up to $50 in statement credits for travel purchases, adding extra value.
  • No foreign transaction fees: A great benefit for international travelers, ensuring you don’t pay extra fees abroad.
  • Comprehensive travel protections: Includes trip cancellation, interruption insurance, and rental car coverage.
  • Flexible redemption options: Points can be used for travel, statement credits, or gift cards, providing versatility.

- Negative points

  • Annual fee: The card comes with a yearly fee, which may not be ideal for occasional travelers.
  • No airport lounge access: Unlike premium travel cards, this one does not offer Priority Pass or other lounge benefits.
  • Limited airline and hotel transfer partners: While the rewards program is strong, it lacks a variety of transfer partners compared to competitors.

Expert rating

Fees
3,50
Benefits
4,00
Final Rating
3,75

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Wells Fargo Autograph Journey Card
Wells Fargo One Key Card
Wells Fargo One Key Card
Wells Fargo One Key Card
Citi Diamond Preferred Card
Citi Diamond Preferred Card
Citi Diamond Preferred Card
Annual fee
Annual fee
$95.00
Annual fee
Free
Annual fee
Free
Card network
Card network
Visa
Card network
Mastercard
Card network
Mastercard
Foreign transaction fees
Foreign transaction fees
No
Foreign transaction fees
No
Foreign transaction fees
Yes
Balance Transfer Fee
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Bonus Points
Bonus Points
Yes
Bonus Points
Yes
Bonus Points
No
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CREDIT CARD
Amex

Delta SkyMiles Platinum American Express Card

4 of 5
💵
Annual fee
$350.00
🌎
Foreign transaction fees
No
🔄
Balance Transfer Fee
No
Bonus Points
Yes
SEE HOW TO APPLY

The Delta SkyMiles® Platinum American Express Card is a travel rewards credit card specifically designed for individuals who frequently fly with Delta Air Lines.

This card offers an array of perks for those looking to earn valuable SkyMiles® on everyday purchases and enjoy enhanced travel benefits with one of the leading airlines in the U.S.

The card allows you to earn 2x miles on Delta purchases, restaurant purchases, and U.S. supermarkets, while also providing a welcome bonus of 50,000 SkyMiles after meeting the spending requirement.

About the Financial Institution

The Delta SkyMiles® Platinum American Express Card is issued by American Express, a globally recognized financial institution that has built a reputation for offering premium credit card services.

With a broad portfolio of credit card options, American Express has partnered with Delta Air Lines to offer a co-branded card that helps cardholders make the most of their travel experiences.

American Express is known for its world-class customer service, robust security measures, and access to valuable rewards and exclusive experiences.

The company has an extensive network of cardholders worldwide and continues to offer products that cater to both premium and everyday users.

Who is This Card For?

The Delta SkyMiles® Platinum American Express Card is ideal for:

  1. Frequent Delta Flyers: Travelers who consistently fly with Delta Air Lines will benefit greatly from the perks this card offers, such as priority boarding, a free checked bag, and the ability to earn SkyMiles® on every purchase.
  2. Travel Enthusiasts: For those who want to maximize their travel rewards, this card offers the chance to earn SkyMiles® on all purchases, which can be redeemed for flights, seat upgrades, and other travel experiences.
  3. Budget-Conscious Flyers: With benefits such as a free checked bag and priority boarding, this card helps reduce the cost of flying, making it a great option for individuals looking to save money while traveling.

Card Advantages

The Delta SkyMiles® Platinum American Express Card comes with a variety of benefits and rewards that make it a highly attractive option for regular travelers:

  1. Earn 2X Miles: Cardholders earn 2x miles on Delta purchases, restaurants, and supermarket purchases. This makes it easier to accumulate miles on everyday spending.
  2. Welcome Bonus: After meeting the spending requirement, you can earn 50,000 SkyMiles, which can be redeemed for flights, upgrades, or other travel perks.
  3. Free Checked Bag: Enjoy a free checked bag on Delta flights for both the cardholder and up to 8 travel companions, saving up to $60 per person on round-trip flights.
  4. Priority Boarding: Get priority boarding on Delta flights, allowing you to board earlier, find overhead bin space, and settle in comfortably.
  5. Global Lounge Access: With American Express Global Lounge Collection, you get access to more than 1,200 airport lounges around the world, ensuring a relaxing experience before your flight.

Additional Benefits

  • Miles on Everyday Purchases: In addition to 2x miles on the specified categories, cardholders earn 1x mile on all other purchases, allowing them to build up their SkyMiles even when they’re not traveling.
  • Companion Certificate: Each year after renewal, cardholders receive a companion certificate, allowing them to bring a companion along on a domestic flight for just the cost of taxes and fees (subject to certain conditions).
  • SkyMiles® American Express Offers: Access exclusive offers to earn more SkyMiles® when booking travel, dining, shopping, and more.
  • No Foreign Transaction Fees: Unlike many other credit cards, the Delta SkyMiles® Platinum American Express Card has no foreign transaction fees, making it a great option for international travel.

Potential Drawbacks

While the Delta SkyMiles® Platinum American Express Card offers a host of benefits, it’s important to be aware of a few potential drawbacks:

  1. Annual Fee: The card comes with an annual fee, which may be a deterrent for some individuals, especially those who do not travel frequently with Delta.
  2. High APR: The card carries a relatively high APR for purchases and cash advances, making it less ideal for those who tend to carry a balance.
  3. Limited Airline Benefits: While the card offers great perks for Delta travelers, it is less useful for those who prefer flying with other airlines. The perks are primarily geared toward Delta flights and services.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $40;
Returned payment: Up to $40;

OTHER FEES

● APR: 19.99% - 28.99%;
● Cash Advance: either $10 or 5% of the amount of each cash advance.

Expert review

The Delta SkyMiles® Platinum American Express Card is an excellent choice for frequent flyers with Delta Air Lines.

It offers valuable benefits, such as 2x miles on Delta purchases, dining, and U.S. supermarkets, along with a welcome bonus of 50,000 SkyMiles.

Cardholders enjoy perks like a free checked bag, priority boarding, and access to Delta Sky Club lounges.

With no foreign transaction fees, it’s ideal for international travelers.

Although it comes with an annual fee, the card’s travel rewards and exclusive benefits make it a top contender for frequent Delta customers.

SEE HOW TO APPLY

You will remain on this site

+Positive points

  • 2x miles on Delta purchases, dining, and U.S. supermarkets.
  • Welcome bonus of 50,000 SkyMiles after meeting the initial spending requirement.
  • Free checked bag on Delta flights for the cardholder and up to 8 companions.
  • Priority boarding on Delta flights, allowing you to get settled early.
  • Access to Delta Sky Club lounges when flying Delta with a same-day ticket.

- Negative points

  • Annual fee of $250, which may not be ideal for occasional travelers.
  • Limited to Delta purchases for maximizing miles on certain categories.
  • Not as many general travel rewards outside of Delta-related spending.

Expert rating

Fees
3,50
Benefits
4,50
Final Rating
4,00

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Delta SkyMiles Platinum American Express Card
Platinum Mastercard from Capital One
Platinum Mastercard from Capital One
Platinum Mastercard from Capital One
Ally Platinum Mastercard
Ally Platinum Mastercard
Ally Platinum Mastercard
Annual fee
Annual fee
$350.00
Annual fee
Free
Annual fee
Free
Card network
Card network
Amex
Card network
Mastercard
Card network
Mastercard
Foreign transaction fees
Foreign transaction fees
No
Foreign transaction fees
Yes
Foreign transaction fees
No
Balance Transfer Fee
Balance Transfer Fee
No
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Bonus Points
Bonus Points
Yes
Bonus Points
Yes
Bonus Points
Yes
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CREDIT CARD
Mastercard

Ally Unlimited Cash Back Mastercard

3.75 of 5
💵
Annual fee
Free
🌎
Foreign transaction fees
No
🔄
Balance Transfer Fee
Yes
Bonus Points
No
SEE HOW TO APPLY

The Ally Unlimited Cash Back Mastercard® offers a straightforward, hassle-free rewards system, making it an excellent choice for cardholders seeking to earn cash back on all purchases.

With its simple structure and high flexibility, this card provides an attractive solution for people who prefer not to deal with rotating categories or complicated rewards programs.

Below, we’ll dive deeper into the features, benefits, and additional considerations that make this card a noteworthy option for those looking to maximize their rewards without the complexity.

About Ally Bank

Ally Bank is well-regarded for its customer-centric approach to banking.

A direct bank with no physical branches, it offers a range of financial products, including savings accounts, personal loans, and credit cards.

As an online institution, Ally has earned a reputation for simplicity, transparency, and high-quality customer service.

The Ally Unlimited Cash Back Mastercard reflects these values by offering a user-friendly rewards program with no annual fee and various redemption options, making it a top choice for those looking to streamline their finances.

Who Is This Card For?

The Ally Unlimited Cash Back Mastercard® is ideal for individuals who:

  • Want a simple cash back structure without rotating categories or activation requirements.
  • Prefer no annual fee credit cards to keep their costs down.
  • Frequently make everyday purchases such as groceries, gas, or online shopping.
  • Travel abroad, thanks to the card’s no foreign transaction fees.
  • Enjoy flexibility in redeeming rewards, with multiple options for cash back redemption.

This card is well-suited for people who prefer a flat-rate cash back model that rewards them equally on every purchase, making it perfect for those who don’t want to track complicated categories or restrictions.

Card Features and Advantages

  • Straightforward 1.5% Cash Back: One of the biggest selling points of the Ally Unlimited Cash Back Mastercard® is its simple flat-rate 1.5% cash back on every eligible purchase. Whether you’re shopping at your local supermarket, filling up your car, or making an online purchase, you’ll earn cash back on all purchases, with no restrictions or categories to worry about. This makes the card incredibly easy to use and ideal for anyone looking for simplicity and consistency in earning rewards.
  • Cash Back Redemption Flexibility: The rewards program offers flexibility in how you redeem your cash back. You can request a statement credit, transfer funds to an Ally Bank account, or receive a check for the cash back you’ve earned. This variety allows you to choose how you want to manage your rewards, whether you prefer them applied directly to your account balance or converted into cash.
  • No Limit on Cash Back Earnings: Unlike many other cards that cap how much cash back you can earn, the Ally Unlimited Cash Back Mastercard® has no limits on your earnings. This is perfect for individuals who make significant purchases and want to ensure that their spending is always rewarded. No matter how much you spend, you’ll continue earning cash back at the same rate.
  • Introductory APR: For new cardholders, this card offers 0% APR on purchases for the first 15 months. After this introductory period, the APR reverts to a standard variable rate. This makes the card particularly useful for individuals who are planning to make larger purchases and want to avoid interest during the first 15 months.
  • No Foreign Transaction Fees: For those who travel internationally, the Ally Unlimited Cash Back Mastercard® is an excellent choice because it has no foreign transaction fees. Whether you’re shopping abroad or making online purchases from foreign retailers, you won’t incur extra costs, making this card a great option for frequent travelers.
  • Contactless Payments: The card features contactless payment technology, allowing you to make quick and secure purchases by simply tapping your card at participating retailers. This feature adds convenience and an extra layer of security, as it reduces the need to swipe or insert your card, decreasing the risk of fraud or card skimming.

Additional Considerations

While the Ally Unlimited Cash Back Mastercard® offers many advantages, there are a few things to keep in mind:

  • Balance Transfer APR: While the introductory 0% APR on purchases is a highlight, it’s important to note that balance transfers are not eligible for the 0% APR offer during the promotional period. Make sure to check the terms if you’re considering transferring any existing balances to this card.
  • Standard Fees: Though there is no annual fee, the card does come with other standard fees, such as late payment fees, cash advance fees, and returned payment fees. These fees are common across most credit cards, and avoiding them is easy by paying your balance on time and managing your credit responsibly.

Fees and charges

OTHER FEES

● APR: 26.99%;
● Balance Transfer Fee: 4% or $5, whichever's greater;
● Cash Advance: 5% or $10, whichever's greater.

Expert review

The Ally Unlimited Cash Back Mastercard® is an excellent choice for those seeking simplicity and rewards on every purchase.

With a flat-rate 1.5% cash back on all eligible spending and no annual fee, it offers great value for everyday consumers.

There are also no foreign transaction fees, making it ideal for international purchases.

Additionally, the card provides a 0% APR on purchases for the first 15 months, allowing cardholders to finance large purchases without interest.

It’s a strong contender for anyone who wants a straightforward, no-fuss cash back card.

SEE HOW TO APPLY

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+Positive points

  • 1.5% Unlimited Cash Back on all purchases, making it a great option for everyday spending.
  • No Annual Fee, which enhances the card's overall value and affordability.
  • 0% Intro APR on Purchases for the first 15 months, allowing cardholders to finance large purchases without interest.
  • No Foreign Transaction Fees, making it a solid option for international purchases.
  • Simple Rewards Structure, providing cash back on every purchase without needing to track rotating categories.

- Negative points

  • Limited Rewards Categories as it only offers a flat 1.5% cash back on all purchases, lacking bonus categories.
  • No Introductory Bonus or special rewards, which can be a downside for those seeking extra perks upfront.
  • Higher Interest Rates After Intro Period, as the APR reverts to a higher rate after the 0% APR intro period expires.

Expert rating

Fees
3,50
Benefits
4,00
Final Rating
3,75

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Ally Unlimited Cash Back Mastercard
Ally Everyday Cash Back Mastercard
Ally Everyday Cash Back Mastercard
Ally Everyday Cash Back Mastercard
U.S. Bank Cash+ Visa Signature Card
U.S. Bank Cash+ Visa Signature Card
U.S. Bank Cash+ Visa Signature Card
Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
Free
Card network
Card network
Mastercard
Card network
Mastercard
Card network
Visa
Foreign transaction fees
Foreign transaction fees
No
Foreign transaction fees
Yes
Foreign transaction fees
Yes
Balance Transfer Fee
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Bonus Points
Bonus Points
No
Bonus Points
Yes
Bonus Points
Yes
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CREDIT CARD
Visa

Chase Sapphire Reserve Credit Card

4 of 5
💵
Annual fee
$550.00
🌎
Foreign transaction fees
No
🔄
Balance Transfer Fee
Yes
Bonus Points
Yes
SEE HOW TO APPLY

The Chase Sapphire Reserve® Credit Card is a high-end travel rewards credit card that offers premium benefits for frequent travelers.

This card is part of Chase’s prestigious Sapphire family, known for its valuable rewards and exclusive perks.

With an impressive sign-up bonus and a comprehensive rewards structure, the Chase Sapphire Reserve is ideal for those who love to travel and want to earn significant points for their purchases.

The card offers 3X points on travel immediately after earning your $300 travel credit, 3X points on dining, and 1X point on all other purchases.

Points can be redeemed for travel through the Chase Ultimate Rewards® program, offering a wide range of options such as flights, hotels, car rentals, and more.

About the Financial Institution

The Chase Sapphire Reserve® Credit Card is issued by Chase, one of the largest financial institutions in the United States.

Chase is known for its customer-centric approach, offering a wide range of banking services, including credit cards, mortgages, auto loans, and personal banking solutions.

As an issuer, Chase provides robust customer support, a strong mobile app experience, and excellent security features, making it a trusted name in the financial industry.

The Chase Ultimate Rewards® program is a key highlight, allowing cardholders to earn and redeem points for travel and other purchases seamlessly.

Who Is This Card For?

The Chase Sapphire Reserve® Credit Card is perfect for:

  1. Frequent Travelers: Individuals who travel often, both domestically and internationally, will benefit from the 3X points on travel and dining, along with a range of premium travel benefits like access to airport lounges, travel insurance, and global acceptance.
  2. Luxury Seekers: This card offers exclusive perks such as access to over 1,000 airport lounges worldwide through the Priority Pass Select membership, along with premium concierge services, which are ideal for those seeking a more luxurious travel experience.
  3. Reward Maximizers: People who enjoy earning and redeeming valuable points for flights, hotel stays, car rentals, and other travel experiences will find this card’s Ultimate Rewards® program very attractive.
  4. Business and Leisure Travelers: Whether you’re traveling for business or leisure, the card’s comprehensive coverage on travel purchases such as trip cancellation insurance, primary car rental insurance, and baggage delay can give peace of mind.
  5. Individuals with High Spending: If you’re able to meet the spending requirement to earn the sign-up bonus, and regularly spend on dining and travel, this card offers great long-term rewards.

Card Advantages

  1. Sign-Up Bonus: The Chase Sapphire Reserve® card offers a generous sign-up bonus after meeting the initial spending requirement, which can provide substantial travel rewards right out of the gate.
  2. Points on Purchases: Earn 3X points on travel immediately after earning the $300 travel credit and on dining, 1X point on all other purchases. Chase Ultimate Rewards® points are some of the most valuable in the industry, especially when redeemed for travel.
  3. $300 Annual Travel Credit: The card offers a $300 annual travel credit to offset travel-related expenses, making it ideal for frequent travelers who incur travel costs regularly.
  4. Access to Airport Lounges: The Priority Pass Select membership provides access to over 1,000 airport lounges worldwide, offering a more comfortable travel experience.
  5. Flexible Points Redemption: Points earned with the Chase Sapphire Reserve® can be redeemed through the Chase Ultimate Rewards® program for travel, statement credits, and more. Points can also be transferred to over 14 airline and hotel partners for increased value.

Additional Benefits

  1. Travel Protections: The card provides a suite of travel protections, including trip delay insurance, trip cancellation insurance, primary car rental insurance, and more.
  2. Concierge Service: The Chase Sapphire Reserve® card offers access to a personal concierge service that can assist with booking travel, securing hard-to-get restaurant reservations, and much more.
  3. No Foreign Transaction Fees: One of the biggest advantages for international travelers is that the Chase Sapphire Reserve® does not charge foreign transaction fees, allowing cardholders to use it globally without incurring additional costs.
  4. Purchase Protection: The card includes purchase protection and extended warranty benefits, ensuring that your purchases are safeguarded against damage or theft, and warranties are extended on eligible purchases.
  5. Exclusive Experiences: Chase offers access to exclusive events and experiences for cardholders, such as VIP events, concerts, and culinary experiences, allowing you to enjoy unique perks unavailable to most travelers.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $40;
Returned payment: Up to $40;

OTHER FEES

● APR: 21.49% - 28.49%;
● Balance Transfer Fee: either $5 or 5% of the amount of each transfer;
● Cash Advance: either $10 or 5% of the amount of each transaction.

Expert review

The Chase Sapphire Reserve® Credit Card is a premium travel rewards card offering exceptional value for frequent travelers.

With 3X points on travel and dining, and a $300 annual travel credit, it rewards users for their everyday spending.

The card also provides exclusive perks like Priority Pass lounge access, trip protection benefits, and 1:1 point transfers to over 14 travel partners.

Although it comes with a high annual fee, the rich benefits and rewards make it an excellent choice for those seeking luxury and flexibility in their travel experiences.

SEE HOW TO APPLY

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+Positive points

  • 3X points on travel and dining purchases, allowing you to earn rewards quickly.
  • $300 annual travel credit, which helps offset the cost of the card.
  • Access to over 1,000 VIP lounges through the Priority Pass program, providing comfort during travel.
  • 1:1 point transfer to 14 travel partners, offering flexibility in using your miles.
  • Comprehensive travel protection, including trip cancellation, trip interruption, and rental car insurance.

- Negative points

  • High annual fee, which could be a challenge for those who don’t frequently use the card’s benefits.
  • Travel rewards are best for those who make frequent purchases in the eligible categories.
  • High credit requirements, making it harder for some people to qualify for the card.

Expert rating

Fees
3,50
Benefits
4,50
Final Rating
4,00

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Chase Sapphire Reserve Credit Card
American Express Gold Card
American Express Gold Card
American Express Gold Card
Chase Sapphire Preferred Card
Chase Sapphire Preferred Card
Chase Sapphire Preferred Card
Annual fee
Annual fee
$550.00
Annual fee
$325.00
Annual fee
$95.00
Card network
Card network
Visa
Card network
Amex
Card network
Visa
Foreign transaction fees
Foreign transaction fees
No
Foreign transaction fees
No
Foreign transaction fees
No
Balance Transfer Fee
Balance Transfer Fee
Yes
Balance Transfer Fee
No
Balance Transfer Fee
Yes
Bonus Points
Bonus Points
Yes
Bonus Points
Yes
Bonus Points
Yes
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CREDIT CARD
Visa

Chase Freedom Rise Credit Card

4.25 of 5
💵
Annual fee
Free
🌎
Foreign transaction fees
Yes
🔄
Balance Transfer Fee
Yes
Bonus Points
No
SEE HOW TO APPLY

The Chase Freedom Rise Credit Card is a no-annual-fee credit card designed for individuals seeking a flexible, rewards-based program with valuable benefits.

This card allows users to earn cashback on everyday purchases and offers an array of useful perks.

With a focus on everyday spending categories such as dining, gas stations, and online shopping, cardholders can earn significant rewards while enjoying zero annual fees.

The card also features an introductory bonus and is widely accepted due to its Mastercard network, making it a convenient option for both domestic and international travel.

About the Financial Institution

The Chase Freedom Rise Credit Card is issued by JPMorgan Chase & Co., one of the largest and most reputable financial institutions globally.

Known for its innovative financial products and services, Chase is a trusted name in banking and consumer credit.

The bank offers a wide range of credit cards to suit different needs, from cashback cards to travel rewards cards, and provides reliable customer service and advanced security features.

Chase is recognized for its strong digital banking presence, offering easy access to account management through its mobile app and online services.

Who is This Card For?

The Chase Freedom Rise Credit Card is a great option for:

  1. Cashback Enthusiasts: Individuals looking to earn cashback on a variety of purchases, including everyday expenses like dining, gas, and groceries.
  2. Young Adults or Students: Those starting their credit journey who want to build a credit history with a card that offers no annual fee and a straightforward rewards program.
  3. Frequent Shoppers: Consumers who often shop online or at select categories that earn bonus cashback, making it easy to accumulate rewards.
  4. Budget-Conscious Individuals: Those who want to save money on interest with 0% introductory APR on purchases for the first 15 months of account opening.
  5. Flexible Reward Seekers: People who enjoy having the freedom to redeem their cashback rewards for a variety of options, including statement credits or gift cards.

Card Advantages

  1. No Annual Fee: The Chase Freedom Rise Credit Card has no annual fee, making it an affordable option for those who want to earn rewards without any upfront cost.
  2. 0% Introductory APR: For the first 15 months, cardholders benefit from 0% APR on purchases, allowing you to make large purchases and pay them off over time without incurring interest charges.
  3. Cashback on Everyday Purchases: The card offers 1.5% cashback on all purchases, as well as a higher rate of cashback on certain categories, making it a great option for regular spending.
  4. Sign-Up Bonus: New cardholders can earn a cashback bonus after spending a specified amount within the first 3 months of opening their account, providing an immediate benefit.
  5. Wide Acceptance: With the Mastercard network, the Chase Freedom Rise Credit Card is accepted at millions of locations globally, making it convenient for domestic and international use.

Additional Benefits

  • Reward Flexibility: Cashback rewards can be redeemed in various ways, including as statement credits, gift cards, or even for travel expenses, offering flexibility for the cardholder.
  • Customer Protection: Cardholders enjoy fraud protection and the ability to freeze their account in case of suspicious activity.
  • Digital Wallet Integration: The card works seamlessly with Apple Pay, Google Pay, and Samsung Pay, allowing for secure, contactless payments.
  • Purchase Protection: New purchases are protected against damage or theft for a limited period after purchase, providing added peace of mind for your transactions.
  • Travel Benefits: Although this is not a premium travel card, the Chase Freedom Rise offers some travel-related perks, such as trip cancellation insurance, though at a basic level compared to higher-end cards.

How to Maximize This Card

To maximize the benefits of the Chase Freedom Rise Credit Card, consider these tips:

  1. Take Advantage of the Sign-Up Bonus: Meet the spending requirement early on to receive the cashback bonus.
  2. Use the Card for Everyday Purchases: Ensure you use the card for dining, gas, and groceries, as these categories may offer higher cashback rates or bonus categories.
  3. Pay Off Purchases During the Introductory APR Period: Make larger purchases and pay them off within the 0% introductory APR period to avoid paying interest.
  4. Track and Redeem Rewards Efficiently: Keep track of your cashback earnings and redeem them for statement credits or gift cards to lower your overall expenses.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $40;
Returned payment: Up to $40;

OTHER FEES

● APR: 25.99%;
● Balance Transfer Fee: either $5 or 5% of the amount of each transfer;
● Cash Advance: either $10 or 5% of the amount of each transaction.

Expert review

The Chase Freedom Rise Credit Card is an excellent option for those seeking a straightforward cashback rewards card with no annual fee.

Offering 1.5% cashback on all purchases, along with a 0% introductory APR for the first 15 months, it's perfect for individuals who want to earn rewards while managing their spending efficiently.

The cashback sign-up bonus adds immediate value, and the card's wide acceptance with the Mastercard network makes it versatile for domestic and international use.

Its flexible reward redemption options further enhance its appeal for everyday spenders.

SEE HOW TO APPLY

You will remain on this site

+Positive points

  • No Annual Fee: The Chase Freedom Rise Credit Card comes with no annual fee, making it a cost-effective choice for cardholders.
  • 1.5% Cashback on All Purchases: Earn unlimited 1.5% cashback on every purchase, offering steady rewards for everyday spending.
  • Introductory 0% APR for 15 Months: Enjoy a 0% introductory APR on purchases and balance transfers for the first 15 months, making it great for financing large purchases.
  • Flexible Rewards Redemption: Cashback rewards can be redeemed for a variety of options, including statement credits, gift cards, and travel purchases.
  • Sign-up Bonus: New cardholders can earn a significant cashback bonus after meeting the initial spending requirement, providing an immediate reward.

- Negative points

  • No Bonus Categories: Unlike some other cards, the Chase Freedom Rise Credit Card does not offer elevated cashback rates for specific categories like groceries or dining.
  • Foreign Transaction Fees: This card charges foreign transaction fees, which can be costly for those who travel internationally frequently.
  • Limited Additional Perks: While the card offers cashback and a sign-up bonus, it lacks premium benefits like travel insurance or extended warranties offered by other cards.

Expert rating

Fees
4,50
Benefits
4,00
Final Rating
4,25

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Card network
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Foreign transaction fees
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Bonus Points
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CREDIT CARD
Mastercard

American Airlines AAdvantage MileUp Card

4.25 of 5
💵
Annual fee
Free
🌎
Foreign transaction fees
Yes
🔄
Balance Transfer Fee
Yes
Bonus Points
Yes
SEE HOW TO APPLY

The American Airlines AAdvantage® MileUp℠ Card operates similarly to other entry-level travel rewards cards, but it’s specifically designed for those who frequently shop for groceries or fly with American Airlines.

Every purchase made on the card earns you AAdvantage® miles, which can be redeemed for American Airlines flights or other travel-related expenses.

With the 2X miles on grocery store purchases, this card maximizes rewards on one of the most common spending categories.

Additionally, cardholders earn 1X mile per dollar on all other purchases, providing value even for non-travel-related spending.

Earning and Redeeming Miles

One of the key features of this card is its ability to earn AAdvantage® miles on various purchases.

These miles can be redeemed for a variety of rewards, including award flights with American Airlines, seat upgrades, hotel stays, and even vacation packages through American Airlines Vacations.

The miles are flexible and can be used on American Airlines flights, or even with Oneworld® alliance members, offering significant flexibility for travelers.

In addition to flights, cardholders can redeem miles for car rentals, hotel bookings, and other travel expenses, making the card valuable beyond just flight rewards.

Miles do not expire as long as you make at least one qualifying transaction within 18 months, which adds to the flexibility for users.

How to Maximize Rewards

  • Groceries and American Airlines Purchases: Since the card offers 2X miles per dollar on grocery store purchases and American Airlines flights, it’s beneficial to use this card for grocery shopping and all your American Airlines bookings to maximize miles.
  • Booking Flights: Make sure to use the AAdvantage® MileUp℠ Card to book your flights with American Airlines, so you earn 2X miles for each booking. Additionally, consider booking directly through the American Airlines website to ensure you earn maximum rewards.
  • Avoid Foreign Transaction Fees: While this card has a 3% foreign transaction fee, try to avoid using it abroad to minimize the extra cost. For international purchases, consider a card that does not charge foreign transaction fees.
  • Use the 25% In-Flight Discount: Take advantage of the 25% in-flight discount when purchasing food, beverages, or Wi-Fi on American Airlines flights. This can help reduce your in-flight expenses and make your travel experience more affordable.

Additional Rewards and Features

In addition to earning miles and the 25% in-flight discount, the American Airlines AAdvantage® MileUp℠ Card also offers several Mastercard® benefits, such as:

  • Extended Warranty Protection: This feature extends the manufacturer’s warranty on purchases made with your card.
  • Purchase Protection: If your purchase is damaged or stolen within 90 days of purchase, you may be reimbursed for up to a certain amount, depending on the situation.
  • Travel Assistance Services: Cardholders have access to a range of travel-related services, including assistance in case of emergencies, helping you navigate unexpected travel issues.

Why Choose the AAdvantage® MileUp℠ Card?

The American Airlines AAdvantage® MileUp℠ Card stands out because of its no annual fee, making it a fantastic option for occasional travelers who want to earn AAdvantage® miles without the extra cost of premium travel rewards cards.

The card is also great for budget-conscious travelers who want to earn rewards for groceries and American Airlines flights.

With grocery store bonus categories and reward opportunities for in-flight purchases, the card helps travelers earn valuable miles in everyday situations.

If you’re new to travel rewards or prefer not to commit to a more expensive card, this card is an excellent entry point.

It provides great earning potential on groceries, plus the ability to earn miles for your travel expenses, all with no annual fee.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $41;
Returned payment: Up to $41;

OTHER FEES

● APR: 20.24% - 29.24%;
● Balance Transfer Fee: either $5 or 5% of the amount of each transfer;
● Cash Advance: either $10 or 5% of the amount of each cash advance.

Expert review

The American Airlines AAdvantage® MileUp℠ Card is an excellent choice for casual travelers and frequent shoppers at grocery stores.

With 2X miles on grocery purchases and American Airlines flights, it provides a great way to accumulate miles for travel rewards.

The no annual fee is a standout feature, making it ideal for those new to rewards cards or those who don’t want to pay for premium benefits.

While it lacks some of the high-end travel perks, like priority boarding, it offers strong value with AAdvantage® miles and useful in-flight discounts.

SEE HOW TO APPLY

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+Positive points

  • 2X miles on grocery store purchases, helping to accumulate miles faster.
  • 2X miles on American Airlines purchases, allowing you to earn miles on flights and related purchases.
  • No annual fee, making it an excellent choice for those who want to start earning miles without extra costs.
  • Offers discounts on in-flight purchases and other American Airlines products, saving you money on flights.
  • Ability to earn AAdvantage® miles, which can be redeemed for flights, upgrades, and other travel benefits.

- Negative points

  • Does not offer benefits like VIP lounge access or priority boarding, which are common in higher-tier cards.
  • Does not provide significant rewards in categories other than groceries and American Airlines purchases, limiting its value in other spending areas.
  • The miles earnings may be lower compared to premium rewards cards in other categories.

Expert rating

Fees
4,50
Benefits
4,00
Final Rating
4,25

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American Airlines AAdvantage MileUp Card
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Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
$95.00
Card network
Card network
Mastercard
Card network
Visa
Card network
Mastercard
Foreign transaction fees
Foreign transaction fees
Yes
Foreign transaction fees
No
Foreign transaction fees
No
Balance Transfer Fee
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Bonus Points
Bonus Points
Yes
Bonus Points
Yes
Bonus Points
Yes
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