Tag: no-annual-fee

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
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.

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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
Know card Know card
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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
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.

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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
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.

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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
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

You will remain on this site

+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
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.

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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 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

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+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
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.

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Chase Freedom Rise Credit Card
Chase Freedom Unlimited
Chase Freedom Unlimited
Chase Freedom Unlimited
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
Yes
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
No
Bonus Points
Yes
Bonus Points
Yes
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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
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.

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American Airlines AAdvantage MileUp Card
Wells Fargo Autographservice mark Card
Wells Fargo Autographservice mark Card
Wells Fargo Autographservice mark Card
Citi Strata Premier Card
Citi Strata Premier Card
Citi Strata Premier Card
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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CREDIT CARD
Mastercard

Citi Aadvantage Platinum Select World Elite Mastercard

3.75 of 5
💵
Annual fee
$99.00
🌎
Foreign transaction fees
No
🔄
Balance Transfer Fee
Yes
✅
Bonus Points
Yes
SEE HOW TO APPLY

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a premium travel rewards credit card tailored for American Airlines frequent flyers.

It allows cardholders to earn AAdvantage® miles on everyday purchases and unlock exclusive perks when flying with American Airlines.

With preferred boarding, a free checked bag, and discounts on in-flight purchases, this card helps travelers save money while enjoying a smoother travel experience.

In addition, the ability to earn miles on restaurants and gas station purchases makes it an excellent choice for individuals looking to accumulate travel rewards faster.

About the Financial Institution

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is issued by Citibank, one of the largest and most reputable financial institutions in the world.

Citi has a strong track record in the credit card industry, offering a variety of products ranging from cashback to premium travel rewards.

The bank has partnered with American Airlines to provide this co-branded card, which offers valuable AAdvantage® miles and travel-related perks.

Citi is well known for its robust security features, 24/7 customer service, and innovative mobile banking solutions, making it a reliable choice for credit card users.

Who is This Card For?

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is best suited for:

  • Frequent American Airlines Flyers: Travelers who often fly with American Airlines and want to save money on baggage fees, earn miles, and enjoy priority boarding.
  • Travel Enthusiasts: Individuals who want to earn AAdvantage® miles through everyday purchases and redeem them for flights, seat upgrades, and travel experiences.
  • Budget-Conscious Flyers: People looking to offset travel expenses by taking advantage of benefits like free checked bags and discounts on in-flight purchases.
  • Cardholders Looking for Dining & Gas Rewards: Since the card offers 2X miles on restaurants and gas station purchases, it’s ideal for those who frequently spend in these categories.

Card Advantages

  • Generous Welcome Bonus: Earn a substantial AAdvantage® miles bonus after meeting the initial spending requirement, which can be redeemed for flights and upgrades.
  • Reward Miles on Everyday Purchases: Earn 2X miles per dollar on restaurants, gas stations, and American Airlines purchases, and 1X mile on all other purchases.
  • First Checked Bag Free: Save up to $60 per round trip when flying with American Airlines, benefiting both solo travelers and families.
  • Preferred Boarding: Get priority boarding on American Airlines flights, allowing you to settle in early and secure overhead bin space.
  • No Foreign Transaction Fees: Use the card internationally without paying extra on foreign purchases.

Additional Benefits

  • 25% Discount on In-Flight Purchases: Enjoy savings on food, beverages, and Wi-Fi while flying with American Airlines.
  • Reduced Mileage Awards: Cardholders get discounts on award flights to select destinations.
  • Automatic Loyalty Points: Purchases made with the card contribute toward achieving AAdvantage® elite status, unlocking more travel perks.
  • Flexible Redemption Options: AAdvantage® miles can be used for flights, hotel stays, car rentals, vacation packages, and more.
  • World Elite Mastercard® Benefits: Enjoy premium services such as travel protections, concierge services, and exclusive discounts.

Potential Drawbacks

  • Annual Fee: While the first year’s annual fee may be waived, the card carries an ongoing annual fee that might not be ideal for occasional travelers.
  • Limited Airline Loyalty: The card is most beneficial for those who frequently fly with American Airlines, making it less valuable for those who prefer flexibility across multiple airlines.
  • Redemption Restrictions: Although AAdvantage® miles can be used for various travel-related expenses, blackout dates and availability restrictions can sometimes apply.

How to Maximize This Card

To make the most of the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, follow these strategies:

  • Use It for Dining & Gas Purchases: Earn 2X miles when spending at restaurants and gas stations, accelerating your rewards accumulation.
  • Book Flights with American Airlines: Maximize AAdvantage® miles by booking flights directly with American Airlines.
  • Take Advantage of Free Checked Bags: Ensure you save money on baggage fees, especially if you travel frequently.
  • Redeem Miles for High-Value Flights: Use miles for long-haul flights, upgrades, or premium cabin redemptions to get the most value.
  • Leverage the Welcome Bonus: Meet the initial spending requirement to unlock a substantial AAdvantage® miles bonus, which can be used for flights and travel perks.

Fees and charges

REVOLVING CREDIT INTEREST RATE

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

OTHER FEES

● Introductory APR: 0% for 15 billing cycles;
● Standard 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 Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is an excellent choice for frequent American Airlines travelers.

It offers accelerated miles earning, priority boarding, and free checked bags, making travel more economical and comfortable.

Additionally, the no foreign transaction fees and in-flight purchase discounts add value to the card.

However, its annual fee and reliance on American Airlines benefits may be a drawback for those seeking more flexibility.

Overall, it's ideal for those looking to maximize rewards on air travel.

SEE HOW TO APPLY

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+Positive points

  • Accelerated Miles Earning: Earn 2X miles per dollar on dining, gas station purchases, and American Airlines purchases.
  • First Checked Bag Free: Save up to $60 per round-trip when flying with American Airlines.
  • Priority Boarding: Enjoy priority boarding on American Airlines flights, saving time and avoiding long lines.
  • No Foreign Transaction Fees: Use the card internationally without worrying about additional fees.
  • 25% Discount on In-Flight Purchases: Enjoy savings on food, beverages, and Wi-Fi while flying with American Airlines.

- Negative points

  • Annual Fee: The card carries an annual fee, which may be a drawback for those who don’t frequently use the benefits.
  • Benefits Limited to American Airlines: Many benefits, like free checked bags and priority boarding, are only available on American Airlines flights.
  • Redemption Restrictions: Mileage redemption can be limited by blackout dates and seat availability.

Expert rating

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

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is an excellent choice for frequent American Airlines travelers.

It offers accelerated miles earning, priority boarding, and free checked bags, making travel more economical and comfortable.

Additionally, the no foreign transaction fees and in-flight purchase discounts add value to the card.

However, its annual fee and reliance on American Airlines benefits may be a drawback for those seeking more flexibility.

Overall, it's ideal for those looking to maximize rewards on air travel.

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Citi Aadvantage Platinum Select World Elite Mastercard
Citi Aadvantage Platinum Select World Elite Mastercard
Citi Aadvantage Platinum Select World Elite Mastercard
Citi Aadvantage Platinum Select World Elite Mastercard
U.S. Bank Visa Platinum Card
U.S. Bank Visa Platinum Card
U.S. Bank Visa Platinum Card
Annual fee
Annual fee
$99.00
Annual fee
$99.00
Annual fee
Free
Card network
Card network
Mastercard
Card network
Mastercard
Card network
Visa
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
Yes
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CREDIT CARD
Visa

U.S. Bank Smartly Visa Signature Card

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

The U.S. Bank Smartly™ Visa Signature® Card is a cashback credit card that offers consistent and valuable rewards for everyday spending.

With a flat 2% cashback rate on all eligible purchases, it is a great option for those who prefer a simple and effective rewards system without the need to track spending categories.

One of the most attractive features of this card is that it allows U.S. Bank customers to earn even more.

By maintaining a qualifying account balance, cardholders can unlock higher cashback rates of 2.5%, 3%, or even 4%.

This makes it particularly appealing for those who already bank with U.S. Bank or are considering opening an account.

About the Financial Institution

The U.S. Bancorp, headquartered in Minneapolis, Minnesota, is the parent company of U.S. Bank, one of the largest banks in the United States.

Founded in 1863, it has built a strong reputation for financial stability, offering a wide range of services, including consumer banking, business banking, wealth management, mortgages, and payment solutions.

With assets exceeding $600 billion, U.S. Bank ranks as the seventh-largest bank in the country.

It is known for reliable customer service, innovative banking solutions, and a strong focus on security and convenience.

For consumers who already have a U.S. Bank checking or savings account, the Smartly Visa Signature Card can be even more rewarding, thanks to the enhanced cashback opportunities and seamless integration with the bank’s digital banking tools.

Who is This Card For?

The U.S. Bank Smartly Visa Signature Card is designed for a wide range of consumers, but it is particularly beneficial for:

  • People who want a simple and high cashback rate – The 2% unlimited cashback is ideal for those who want to earn rewards without tracking spending categories.
  • U.S. Bank customers – If you already have an eligible account with U.S. Bank, you can qualify for even higher cashback rates.
  • Consumers looking for a no-annual-fee card – Unlike many other premium cashback cards, this one comes with no annual fee, making it a cost-effective option.
  • Individuals who want a 0% APR introductory offer – The 12-month 0% APR on purchases and balance transfers can be useful for those planning large purchases or needing to consolidate existing debt.

Even if you’re not currently a U.S. Bank customer, the 2% cashback on all purchases makes this card a competitive option in the market.

Advantages of the Card

  • Flat 2% Cashback – Earn unlimited 2% cashback on all purchases without spending categories or limits.
  • Higher Cashback for U.S. Bank Customers – By maintaining qualifying account balances, customers can earn up to 4% cashback.
  • No Annual Fee – Enjoy the full benefits of the card without any annual costs.
  • 0% Introductory APR – Get 0% APR for 12 billing cycles on purchases and balance transfers, followed by a variable APR of 18.49%–28.74%.
  • Contactless & Digital Wallet Compatibility – Supports Apple Pay, Google Pay, and Samsung Pay for secure and convenient transactions.

Additional Benefits

  • U.S. Bank ExtendPay® Plan – This feature allows you to split large purchases into fixed monthly payments with no interest (only a small fixed fee).
  • Visa Signature® Benefits – Includes purchase protection, extended warranty, and access to Visa Signature perks, such as concierge service and travel benefits.
  • Metal Card Design – Unlike many cashback credit cards, the U.S. Bank Smartly™ Visa Signature® Card has a sleek metal design, offering a premium feel.
  • Fraud Protection & Zero Liability – Cardholders are protected against unauthorized transactions, ensuring peace of mind when shopping online or in-store.

Fees and charges

REVOLVING CREDIT INTEREST RATE

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

OTHER FEES

● Introductory APR: 0% for 12 billing cycles;
● Standard APR: 18.49% - 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 Smartly™ Visa Signature® Card is an excellent choice for consumers seeking consistent cashback rewards with no annual fee.

Offering a flat 2% cashback on all purchases, it simplifies earnings without category restrictions.

U.S. Bank customers can unlock higher cashback rates of up to 4%, making it particularly rewarding for account holders.

The 0% intro APR for 12 months adds flexibility for large purchases or balance transfers.

With Visa Signature® perks, fraud protection, and contactless payments, this card is a well-rounded option for those prioritizing simplicity, value, and financial efficiency.

SEE HOW TO APPLY

You will remain on this site

+Positive points

  • Attractive Cashback: Offers 2% unlimited cashback on all purchases, with no need to track spending categories.
  • Additional Rewards for U.S. Bank Customers: Qualified customers can earn up to 4% cashback, making the card even more rewarding.
  • No Annual Fee: Unlike many high-reward cards, this card charges no annual fee, ensuring savings.
  • 0% Intro APR: Promotional 0% APR for 12 billing cycles on purchases and balance transfers.
  • Visa Signature® Benefits: Access to fraud protection, extended warranty, and exclusive concierge services.

- Negative points

  • Requirements for Maximum Cashback: To earn more than 2% cashback, you need to maintain a qualified balance with U.S. Bank.
  • Limited Cashback Rewards: No bonus categories, which may be less appealing for those looking for specific spending rewards.
  • High APR After Intro Period: Once the 0% APR period ends, the rate can range from 18.49% to 28.74%, which may be high for those carrying a balance.

Expert rating

Fees
4,50
Benefits
4,50
Final Rating
4,50
EXPERT REVIEW

The U.S. Bank Smartly™ Visa Signature® Card is an excellent choice for consumers seeking consistent cashback rewards with no annual fee.

Offering a flat 2% cashback on all purchases, it simplifies earnings without category restrictions.

U.S. Bank customers can unlock higher cashback rates of up to 4%, making it particularly rewarding for account holders.

The 0% intro APR for 12 months adds flexibility for large purchases or balance transfers.

With Visa Signature® perks, fraud protection, and contactless payments, this card is a well-rounded option for those prioritizing simplicity, value, and financial efficiency.

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U.S. Bank Smartly Visa Signature Card
Amazon Prime Rewards Visa Signature Card
Amazon Prime Rewards Visa Signature Card
Amazon Prime Rewards Visa Signature Card
U.S. Bank Altitude Connect Visa Signature Card
U.S. Bank Altitude Connect Visa Signature Card
U.S. Bank Altitude Connect Visa Signature Card
Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
Free
Card network
Card network
Visa
Card network
Visa
Card network
Visa
Foreign transaction fees
Foreign transaction fees
Yes
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
No
Bonus Points
Yes
Bonus Points
Yes
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CREDIT CARD
Visa

Wells Fargo Reflect Card

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

The Wells Fargo Reflect Card is a credit card designed for individuals who are looking for long-term financial flexibility with a 0% intro APR on purchases and qualifying balance transfers.

This card offers a 12-month introductory 0% APR period on both purchases and balance transfers, followed by a variable APR.

This makes it a great option for those who need to finance a large purchase or pay off existing credit card debt without paying interest for an extended period.

Another great feature of the Wells Fargo Reflect Card is its no annual fee, which makes it a cost-effective option for consumers who want to benefit from introductory financing without incurring high annual fees.

About the Financial Institution

Wells Fargo & Company is one of the largest and most well-established financial institutions in the United States.

Founded in 1852, it offers a wide range of financial products and services, including banking, investments, loans, and credit cards.

Wells Fargo is known for its extensive network of branches and ATMs, as well as its strong online and mobile banking services.

The company is committed to providing financial solutions to individuals, small businesses, and corporations, and has been a trusted name in the financial industry for over a century.

It is also recognized for its commitment to corporate social responsibility, focusing on environmental sustainability, financial inclusion, and community development.

Who Is This Card For?

The Wells Fargo Reflect Card is best suited for individuals who:

  • Need to make large purchases and want to spread the payments over time without paying interest for up to 18 months.
  • Have existing credit card debt they want to transfer and pay off without accruing interest for the first year and a half.
  • Prefer a simple rewards structure and want to avoid the complexity of tracking bonus categories or rewards tiers.
  • Want flexibility in making payments without incurring fees or interest if the balance is paid in full within the introductory period.
  • Prefer cards with no annual fee and are looking for a low-cost way to manage their finances.

Card Advantages

  1. 0% Introductory APR for 18 Months – This card offers an introductory 0% APR on purchases and qualifying balance transfers for the first 18 months, giving cardholders time to pay off large purchases or existing balances without incurring interest charges.
  2. No Annual Fee – The Wells Fargo Reflect Card does not charge an annual fee, allowing you to save money while benefiting from the introductory APR period.
  3. 0% APR on Balance Transfers – If you transfer your balance from another credit card, you’ll enjoy the same 0% intro APR on balance transfers for 18 months.
  4. Flexible Repayment Terms – The 18-month introductory period offers ample time for cardholders to pay off their balances, providing flexibility for managing their financial obligations.
  5. Access to Wells Fargo Mobile App – Cardholders can manage their accounts easily through the Wells Fargo Mobile App, which allows for quick payments, balance checks, and transaction history tracking.
  6. Fraud Protection – The Wells Fargo Reflect Card comes with built-in fraud protection, which helps protect you against unauthorized charges and suspicious activity.

Additional Benefits

  • Introductory Offer – While the Wells Fargo Reflect Card does not offer a bonus after meeting spending requirements, the 18 months of 0% APR is a substantial benefit for those with significant purchases or outstanding balances to transfer.
  • No Late Fees on First Late Payment – Wells Fargo offers one-time leniency, where your first late payment will not incur a late fee.
  • Online Account Access – Manage your account, track spending, and make payments through Wells Fargo Online Banking or the mobile app.
  • Personalized Spending Insights – Wells Fargo’s mobile app provides users with spending insights to help manage budgets and stay on track with financial goals.

Things to Consider

  • Variable APR After Introductory Period – After the 18-month introductory period ends, the APR changes to a variable rate, which could be higher than some other cards with ongoing 0% APR offers.
  • Balance Transfer Fee – There is a 3% fee for each balance transfer, which can add up if you are transferring a large amount from another credit card.
  • No Rewards Program – While this card offers great introductory APR benefits, it does not come with a rewards program, which might be a drawback for those seeking ongoing rewards for their spending.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $40;

OTHER FEES

● Introductory APR: 0% for 21 billing cycles;
● Standard APR: 17.24% - 28.99%;
● Balance Transfer Fee: 5% for each balance transfer, with a minimum of $5;
● Cash Advance: either $10 or 5% of the amount of each advance.

Expert review

The Wells Fargo Reflect Card is an excellent choice for individuals seeking long-term financial flexibility.

With an 18-month introductory 0% APR on purchases and balance transfers, it provides ample time to pay off large purchases or transfer existing debt without interest.

Its no annual fee and no penalty APR on late payments make it a cost-effective option.

However, the card lacks a rewards program, and the balance transfer fee is 3%.

Overall, it's ideal for those looking to manage debt or make purchases with a long repayment window.

SEE HOW TO APPLY

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+Positive points

  • 18-Month Introductory 0% APR: Enjoy 18 months of 0% APR on purchases and qualifying balance transfers, allowing ample time to pay off balances without accruing interest.
  • No Annual Fee: There is no annual fee, making it a cost-effective option for those seeking flexibility without extra costs.
  • No Penalty APR: If you miss a payment, there is no penalty APR, which helps avoid higher interest rates on your balance.
  • Cell Phone Protection: Pay your monthly cell phone bill with the card to receive cell phone protection against theft, loss, or damage.
  • Extended Warranty: Get up to one additional year of warranty coverage on eligible purchases, extending the manufacturer’s warranty.

- Negative points

  • No Rewards Program: Unlike some other cards, the Wells Fargo Reflect Card does not offer a rewards program, which could be a downside for those seeking rewards on their spending.
  • 3% Balance Transfer Fee: There is a 3% fee for balance transfers, which can add up if you’re transferring large amounts from other cards.
  • Variable APR After Intro Period: After the 18-month introductory period ends, the APR becomes variable, which can be higher than other cards with ongoing 0% APR offers.

Expert rating

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

The Wells Fargo Reflect Card is an excellent choice for individuals seeking long-term financial flexibility.

With an 18-month introductory 0% APR on purchases and balance transfers, it provides ample time to pay off large purchases or transfer existing debt without interest.

Its no annual fee and no penalty APR on late payments make it a cost-effective option.

However, the card lacks a rewards program, and the balance transfer fee is 3%.

Overall, it's ideal for those looking to manage debt or make purchases with a long repayment window.

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Wells Fargo Reflect Card
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Surge Mastercard
Surge Mastercard
Surge Mastercard
Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
$75.00
Card network
Card network
Visa
Card network
Mastercard
Card network
Mastercard
Foreign transaction fees
Foreign transaction fees
Yes
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
Yes
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CREDIT CARD
Visa

Bank of America Unlimited Cash Rewards Credit Card

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

The Bank of America Unlimited Cash Rewards Credit Card is a cashback credit card designed for individuals who want simple, unlimited rewards on every purchase.

With this card, you earn a flat 1.5% cash back on all transactions, making it an excellent choice for those who prefer straightforward rewards without category restrictions.

Additionally, this card offers a $200 welcome bonus after meeting the minimum spending requirement, and it comes with no annual fee, making it a great option for those looking to maximize rewards without extra costs.

About the Financial Institution

The Bank of America Corporation, founded in 1904, is one of the largest financial institutions in the U.S., serving millions of consumers, small businesses, and corporations.

It provides a variety of financial services, including banking, investment management, credit cards, and loans.

Bank of America is known for its robust online banking system, extensive branch network, and Preferred Rewards program, which offers enhanced benefits to customers with high balances in eligible accounts.

As the issuer of the Unlimited Cash Rewards Credit Card, Bank of America ensures secure transactions, fraud protection, and seamless digital payment options, making it a reliable choice for cardholders.

Who Is This Card For?

The Bank of America Unlimited Cash Rewards Credit Card is best suited for:

  • Everyday Shoppers – Those who want to earn cash back on all purchases without tracking spending categories.
  • Individuals Looking for a No-Fee Card – Since it has no annual fee, it’s an excellent option for cost-conscious users.
  • Bank of America Customers – Those enrolled in Bank of America’s Preferred Rewards program can earn up to 75% more cash back, boosting the 1.5% rate to as much as 2.62% on every purchase.
  • People Who Prefer Simplicity – With flat-rate rewards, there’s no need to activate categories or remember rotating bonuses.
  • Those Looking for a Strong Introductory Offer – The card provides a $200 cash rewards bonus after meeting spending requirements.

Card Advantages

  1. Unlimited 1.5% Cash Back – Earn 1.5% cash back on all purchases, making it simple and rewarding for any type of spending.
  2. No Annual Fee – Enjoy unlimited cash rewards without worrying about annual costs.
  3. $200 Welcome Bonus – Receive $200 in cash rewards after spending $1,000 within the first 90 days.
  4. Higher Cash Back for Preferred Rewards Members – If you’re part of Bank of America’s Preferred Rewards program, you can boost your cash back rate to up to 2.62% on all purchases.
  5. 0% Introductory APR Offer – Enjoy a 0% intro APR on purchases and balance transfers for the first 15 billing cycles (then a variable APR applies).
  6. Flexible Redemption Options – Redeem cash rewards as a statement credit, direct deposit to a Bank of America account, or contribution to an eligible Merrill account.
  7. No Expiration on Rewards – Earned cash back never expires, as long as the account remains open and in good standing.
  8. No Minimum Redemption Amount – You can redeem any amount of cash back at any time.

Additional Benefits

  • Intro APR for Balance Transfers – Transfer balances at a 0% intro APR for 15 billing cycles (3% transfer fee applies).
  • FICO® Score Access – Cardholders can check their FICO® credit score for free through the Bank of America mobile app or website.
  • Tap to Pay Feature – Supports contactless payments for fast and secure transactions.
  • Account Alerts & Mobile Banking – Get real-time alerts for fraud protection, payment due dates, and spending insights.
  • Extended Warranty & Purchase Protection – Eligible purchases may qualify for extended warranties and purchase protection against damage or theft.

Things to Consider

While the Bank of America Unlimited Cash Rewards Credit Card has many benefits, there are a few drawbacks:

  1. 1.5% Cash Back May Not Be the Highest Rate – Some other cards offer 2% cash back on all purchases or higher rewards in specific categories.
  2. No Bonus Categories – If you spend heavily in areas like dining, travel, or groceries, a category-specific rewards card might offer better returns.
  3. Balance Transfer Fee – Although there is a 0% intro APR for 15 months, a 3% fee applies to each balance transfer.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $40;

OTHER FEES

● Introductory APR: 0% for 15 billing cycles;
● Standard APR: 18.24% - 28.24%;
● Balance Transfer Fee: 3% fee on balance transfers in the first 60 days; afterward, 4%;
● Cash Advance: 4% of the amount of each transaction.

Expert review

The Bank of America Unlimited Cash Rewards Credit Card is a versatile cash back option offering 1.5% unlimited cash back on all purchases, with no annual fee.

It’s ideal for those seeking consistent rewards without category restrictions.

The $200 welcome bonus after spending $1,000 in the first 90 days adds strong initial value.

Preferred Rewards members can increase earnings up to 2.62% cash back.

Additionally, a 0% intro APR for 15 billing cycles on purchases and balance transfers enhances flexibility.

However, the lack of bonus categories may not appeal to those seeking higher-tiered rewards.

SEE HOW TO APPLY

You will remain on this site

+Positive points

  • No Annual Fee: This card has no annual fee, allowing you to earn cash back without incurring extra costs.
  • 1.5% Unlimited Cash Back: Earn 1.5% cash back on every purchase, offering simplicity and flexibility.
  • $200 Welcome Bonus: Receive a $200 cash rewards bonus after spending $1,000 within the first 90 days of account opening.
  • 0% Introductory APR: Enjoy 0% intro APR on purchases and balance transfers for the first 15 billing cycles (then variable APR applies).
  • Preferred Rewards Program: Bank of America customers can earn up to 2.62% cash back if enrolled in the Preferred Rewards program.

- Negative points

  • No Bonus Categories: Unlike other cards, there are no bonus categories for higher cash back earnings in specific areas like dining or travel.
  • Balance Transfer Fee: While there’s 0% APR on balance transfers, a 3% balance transfer fee applies.
  • Higher APR After Intro Period: After the 0% intro APR period ends, the APR can be high, making it less ideal for carrying balances long-term.

Expert rating

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

The Bank of America Unlimited Cash Rewards Credit Card is a versatile cash back option offering 1.5% unlimited cash back on all purchases, with no annual fee.

It’s ideal for those seeking consistent rewards without category restrictions.

The $200 welcome bonus after spending $1,000 in the first 90 days adds strong initial value.

Preferred Rewards members can increase earnings up to 2.62% cash back.

Additionally, a 0% intro APR for 15 billing cycles on purchases and balance transfers enhances flexibility.

However, the lack of bonus categories may not appeal to those seeking higher-tiered rewards.

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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
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
No
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