Compare credit cards

Filter by what you want the card to do, then line up rewards, fees and interest side by side.

Cards compared: 34
With no annual fee: 22

Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

Points and miles, travel credits and no foreign transaction fees.

12 cards

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Annual fee

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Top match for your filters
Bank
Travel Rewards
Bank of America
Travel Rewards
Best for: travel rewards without an annual fee
A no-annual-fee travel card with 1.5 points per $1 and no foreign transaction fees.
Top reward
1.5 points
Annual fee
$0
Intro APR
0%
Regular APR
17.49%–27.49%
1.5 points per $1 on everyday purchases, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: 25,000 points worth $250, after $1,000 in purchases in the first 90 days
- Unlimited 1.5 points per $1
- No foreign transaction fees
View details
Discover
it Miles
Discover
it Miles
Best for: a flat miles rate with a first-year match
Unlimited 1.5x miles on all purchases and a first-year Miles Match, with no annual fee.
Top reward
1.5x
Annual fee
$0
Intro APR
0%
Regular APR
17.49%–26.49%
1.5x miles on travel and everyday purchases, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: Miles Match Discover matches all the miles you earn at the end of your first year, with no limit
- Unlimited 1.5x miles on all purchases
- Miles Match at the end of the first year
View details
Capital
VentureOne Rewards
Capital One
VentureOne Rewards
Best for: travel rewards without an annual fee
A no-annual-fee travel card with 1.25 miles per $1, a 15-month 0% intro APR and no foreign transaction fees.
Top reward
1.25
Annual fee
$0
Intro APR
0%
Regular APR
18.49%–28.49%
1.25 miles per $1 on every purchase, unlimited. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: 20,000 miles after $500 in purchases in the first 3 months
- Unlimited 1.25 miles per $1
- 0% intro APR for 15 months on purchases and balance transfers
View details
Wells
Autograph
Wells Fargo
Autograph
Best for: everyday categories with points
A no-annual-fee card with 3X points on dining, travel, gas, transit, streaming and phone plans.
Top reward
3X
Annual fee
$0
Intro APR
0%
Regular APR
18.74%–28.74%
3X points on restaurants, travel, gas stations, transit, streaming services and phone plans. Intro offer: 0% for 12 mo purchases.
Welcome bonus: 20,000 points after $1,000 in purchases in the first 3 months
- 3X points across six everyday categories
- 20,000-point welcome bonus
View details
U.S.
Altitude Go Visa Signature
U.S. Bank
Altitude Go Visa Signature
Best for: dining and everyday spending without an annual fee
A no-annual-fee card with 4X points on dining, 2X on groceries, gas and streaming, and a 15-cycle 0% intro APR.
Top reward
4X
Annual fee
$0
Intro APR
0%
Regular APR
Not published
4X points on dining, takeout and restaurant delivery, on your first $2,000 each quarter. Intro offer: 0% for 15 mo purchases, 15 mo transfers.
Welcome bonus: 20,000 points after $1,000 in net purchases in the first 90 days
- 4X points on dining, takeout and delivery
- 2X on groceries, gas, EV charging and streaming
View details
Capital
Venture Rewards
Capital One
Venture Rewards
Best for: a flat 2x miles rate on all purchases
A $95 travel card with 2x miles on every purchase and a 75,000-mile bonus.
Top reward
2x
Annual fee
$95
Intro APR
None
Regular APR
19.49%–28.49%
2x miles on every purchase, every day. Intro offer: None.
Welcome bonus: 75,000 miles after $4,000 in purchases in the first 3 months
- 2x miles on every purchase
- 75,000-mile welcome bonus
View details
Bank
Premium Rewards
Bank of America
Premium Rewards
Best for: travel and dining with a flat rate elsewhere
A $95 travel card with 2 points on travel and dining, 1.5 on everything else and a 60,000-point bonus.
Top reward
2 points
Annual fee
$95
Intro APR
None
Regular APR
19.49%–27.49%
2 points per $1 on travel and dining purchases, unlimited. Intro offer: None.
Welcome bonus: 60,000 points a $600 value, after $4,000 in purchases in the first 90 days
- 2 points per $1 on travel and dining
- 1.5 points per $1 on all other purchases
View details
Citi
Strata Premier
Citi
Strata Premier
Best for: everyday categories plus travel
A $95 travel card with 3x points on air travel, restaurants, supermarkets and gas, and no foreign transaction fee.
Top reward
10x
Annual fee
$95
Intro APR
None
Regular APR
20.24%–28.24%
10x points per dollar on hotels, car rentals and attractions booked on cititravel.com. Intro offer: None.
- 3x points across five everyday and travel categories
- 10x on hotels, car rentals and attractions through cititravel.com
View details
Chase
Sapphire Preferred
Chase
Sapphire Preferred
Best for: travel and dining rewards
A $95 travel card with a 75,000-point bonus, 3x on dining and groceries, and a $100 annual hotel credit.
Top reward
5x
Annual fee
$95
Intro APR
None
Regular APR
19.24%–27.49%
5x points on purchases made through Chase Travel. Intro offer: None.
Welcome bonus: 75,000 points after $5,000 in purchases in the first 3 months
- 75,000-point welcome bonus
- 3x points on dining, streaming and online grocery
View details
Wells
Autograph Journey
Wells Fargo
Autograph Journey
Best for: hotel and airline spending
A $95 travel card with 5X on hotels, 4X on airlines and a 60,000-point bonus.
Top reward
5X
Annual fee
$95
Intro APR
None
Regular APR
Not published
5X points on hotels. Intro offer: None.
Welcome bonus: 60,000 points after $4,000 in purchases in the first 3 months
- 5X points on hotels and 4X on airlines
- 60,000-point welcome bonus
View details
Capital
Venture X Rewards
Capital One
Venture X Rewards
Best for: premium travel with a flat 2x rate
A $395 premium travel card with 2x miles on every purchase and up to 10x through Capital One Travel.
Top reward
10x
Annual fee
$395
Intro APR
None
Regular APR
19.49%–28.49%
10x miles on hotels and rental cars booked through Capital One Travel. Intro offer: None.
- 2x miles on all other purchases
- 10x on hotels and rental cars through Capital One Travel
View details
Chase
Sapphire Reserve
Chase
Sapphire Reserve
Best for: frequent travelers who will use the credits
A $795 premium travel card with a 100,000-point bonus and several annual travel and dining credits.
Top reward
8x
Annual fee
$795
Intro APR
None
Regular APR
19.49%–27.99%
8x points on purchases through Chase Travel, including The Edit. Intro offer: None.
Welcome bonus: 100,000 points after $6,000 in purchases in the first 3 months
- 100,000-point welcome bonus
- 8x on Chase Travel and 4x on flights and hotels booked direct
View details

Questions about credit cards

What credit score do I need for a credit card?

Rewards cards generally expect good or excellent credit (690 and above). Secured cards and some student cards accept limited or no credit history. Approval also depends on income and existing debt.

Does applying for a card hurt my credit?

A formal application triggers a hard inquiry, which can lower your score by a few points for a short time. Checking whether you prequalify usually uses a soft inquiry and has no effect.

Is a card with an annual fee worth it?

It can be, if the rewards and credits you will actually use exceed the fee. Add up the yearly value of the benefits you would use and compare it with the fee before you apply.

How does a 0% intro APR work?

For the promotional period, purchases or transferred balances accrue no interest. When it ends, any remaining balance is charged the card's regular APR, so plan to pay it off before then.