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- No annual fee
- No foreign transaction fees
This card is for people who shop at Walmart often, above all Walmart+ members. It earns 5% cash back at Walmart with a linked Walmart+ membership, 3% without one, and 1.5% everywhere else Mastercard is accepted, with no annual fee and no foreign transaction fee. You apply on Walmart.com, in the Walmart app or in a store. The caveat: the purchase APR depends on the account type you are approved for, 20.24% or 30.74% Variable, and the higher one erases the rewards on any balance you carry.
- No annual fee
- No foreign transaction fees
For drivers and families whose biggest costs are fuel, groceries and dining out. It earns 5X points on fuel and EV charging, 3X at supermarkets and restaurants and 1X elsewhere, with no annual fee and no foreign transaction fee. Balance transfers made in the first 60 days get 0% intro APR for 12 months with a 3% fee. PenFed creates your credit union membership during the application. The caveat: points redeem for gift cards, merchandise or travel rather than straight cash, and they expire 5 years from the date earned.
- No annual fee
- No foreign transaction fees
For Navy Federal members who want flat cash back with no annual fee. Every purchase earns 1.5%, or 2% if your approved credit limit is $5,000 or more (the cashRewards Plus version). New accounts can earn $250 after $2,500 in 90 days, and there are no foreign transaction or balance transfer fees. The caveat: you must be a Navy Federal member, which is open to the military, veterans, Department of Defense employees and their immediate family members.
For Navy Federal members building or rebuilding credit. You deposit $200 to $5,000 into your membership savings account and that amount becomes your spending limit. Every purchase earns 1% cash back, with no annual fee and no foreign transaction fee. After 6 months Navy Federal reviews the account monthly for an upgrade to an unsecured cashRewards card. The caveat: you need Navy Federal membership, and your deposit stays on hold until the account is upgraded.
For iPhone users who pay with Apple Pay most of the time. Apple Pay purchases earn 2% Daily Cash, everything bought at Apple and Apple Pay purchases at select merchants such as Uber, Walgreens, Nike and Exxon Mobil earn 3%, and the titanium card earns 1%. There are no annual, over-the-limit, foreign-transaction or late fees. The caveat: purchases made with the physical card earn only 1%, and Apple's page shows no sign-up bonus or intro APR.
This card is for Costco members who spend on gas, dining and travel. It earns 5% on gas at Costco and 4% on other eligible gas and EV charging on a combined $7,000 a year, then 1%, plus 3% on restaurants and eligible travel, 2% at Costco and 1% on the rest. There is no annual fee with a paid Costco membership and no foreign transaction fee. The caveat: cash back arrives once a year as a certificate you redeem at a U.S. Costco warehouse, not as money you can use anywhere.
This card is for Prime members who already do most of their shopping at Amazon.com and Whole Foods Market. Those purchases, plus Audible.com and Chase Travel, earn unlimited 5% back. Gas stations, restaurants and local transit or commuting earn 2%, and everything else earns 1%. There is no annual fee and no foreign transaction fee, and Prime members get a $150 Amazon Gift Card on approval. The caveat: the 5% rate needs an eligible Prime membership, so the card only makes sense if you already pay for Prime.
This card is for business owners with fair credit who want a card for the business with no annual fee. Every purchase earns 1% cash back with no minimums or expiration, and there are no foreign transaction fees. The caveat: 1% is a low earn rate and the 28.99% Variable APR makes any carried balance costly, so it fits building a business credit history more than earning rewards.
This card is for small businesses that want simple cash back without an annual fee. Every purchase earns 1.5% cash back, plus 5% on hotels and rental cars booked through Capital One Business Travel. New accounts can earn a $750 cash bonus after $6,000 in the first 3 months, and there is a 0% intro APR for 9 months. The caveat: the intro period is short, and after it the APR is 16.74% - 26.74% Variable.
This card is for college students building credit who spend on food and entertainment. It earns 3% cash back at grocery stores, on dining, entertainment and popular streaming services, and 1% on everything else. There is no annual fee and no foreign transaction fee, and a $50 bonus comes after $100 in purchases in the first 3 months. The caveat: the purchase APR is 18.49% - 28.49% Variable, so carrying a balance costs more than the rewards pay.
This card is for households whose spending runs through the supermarket, restaurants and streaming bills. It earns 3% cash back at grocery stores, on dining, entertainment and popular streaming services, and 1% on everything else, with a $0 annual fee and no foreign transaction fee. New cardholders get a $200 bonus after $500 in purchases in 3 months and 0% intro APR for 12 months on purchases and balance transfers. The caveat: superstores like Walmart and Target do not count as grocery stores.
This card is for people with excellent credit who want one flat rate and no fee. Every purchase earns 1.5% cash back with no categories or caps, and a $200 bonus comes after $500 in purchases in the first three months. Purchases and balance transfers get 0% intro APR for 15 months, and there is no foreign transaction fee. The caveat: outside the Capital One Travel portal the rate never rises above 1.5%, so heavy grocery and dining spenders earn more on a tiered card such as Capital One's Savor.
