Maximize Your Savings with the No Annual Fee Visa Cash Back Credit Cards

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cash back visa cardWhen looking for a cash back credit card, it’s important to choose one that gives you more money back on the things you buy the most. Some cards let you earn the same amount back on everything while others give you more cash back on certain purchases. Take a look at the following three no annual fee visa cash back credit cards from Wells Fargo, Bank of America and Capital One to find the one that’s suited to your spending style.

An Overview

Wells Fargo Cash Wise Visa® Card BankAmericard Cash Rewards™ Credit Card Capital One® Quicksilver® Cash Rewards Credit Card
Sign-up Bonus NEW! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
Rewards Structure Earn unlimited 1.5% cash rewards on virtually every purchase. Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter Earn unlimited 1.5% cash back on every purchase, every day
Additional Perks Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
Interest Rate 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% - 23.74% Variable APR. 3% fee (min $10) applies to balance transfers 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
Annual Fee None None None

 

Enrollment Bonus

When you sign up for any of the above three credit cards, you’re automatically eligible to earn a cash back bonus just for using your card. For Wells Fargo Cash Wise Visa Credit Card, you can earn a bonus cash rewards of $150 if you spend $1,000 or more in net purchases in the first 3 months. For both BankAmericard Cash Rewards™ Credit Card and Capital One Quicksilver Cash Rewards Credit Card, you will get an extra $100 cash bonus if you make $500 in purchases in the first three months or 90 days.

Earning Cash Back

The Wells Fargo Cash Wise Visa Credit Card lets you earn unlimited 1.5% cash rewards on everyday net purchases.

The BankAmericard Cash Rewards Credit Card offers you 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Plus earn 1% cash back on purchases everywhere, every time.

The Capital One Quicksilver Cash Rewards Credit Card gives you a solid 1.5% cash back on everything you purchase, and comes with no annual fee, no foreign transaction fee.

Additional Card Perks

With the Wells Fargo Cash Wise Visa Credit Card, Card members can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Credit Card.

With the BankAmericard Cash Rewards Credit Card, if you redeem your cash back into a Bank of America checking or savings account, you will receive a 10% customer bonus! If you are a Bank of America Preferred Rewards customer, which means you have at least $20k, $50k and $100k combined balances in your Bank of America® banking and/or Merrill Edge® and Merrill Lynch® investment accounts, the additional bonus you receive can be as much as 25%, 50% and 75%. That will boost cash back on gas to 3.75%, 4.5% and 5.25% and cash back on grocery to 2.5%, 3.0% and 3.5% respectively, and you can earn up to 1.75% on all other purchases.

As for the Capital One Quicksilver Cash Rewards Credit Card, you can take advantage of its free credit track tool to easily monitor your monthly credit score anytime, anywhere.

APR and Fees

With the Wells Fargo Cash Wise Visa Credit Card, card members can take advantage of a 0% intro APR on purchases and balance transfers for the first 12 months. The card has no annual fee. If you’re planning on taking a trip outside the U.S., you’ll be subject to a 3% foreign transaction fee on purchases made with your card.

BankAmericard Cash Reward Cardmembers are subject to a 3% foreign transaction fee for overseas purchases, as well. But the card comes with no annual fee and an introductory rate of 0% for 12 billing cycles on purchases and qualifying balance transfers.

Capital One QuickSilver Cash Rewards Card charges no annual fee and no foreign transaction fee. It offers Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred. Pay no annual fee or foreign transaction fees.

How to maximize your savings

If you like straightforward rewards on all purchases, the Wells Fargo Cash Wise Visa Credit Card can definitely maximize your savings along with the bonus offer of $150 cash. If you want a card that constantly rewards you on gas and grocery purchases, you should go with the BankAmericard Cash Rewards Credit Card and don’t forget to open a checking or savings account with them to boost your cash back to the maximum. The Capital One Quicksilver Cash Rewards Credit Card is obviously a great all-around choice and since it has no foreign transaction fee, it is a great card for traveling abroad.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Wells Fargo Cash Wise Visa® Card

0% intro APR
for 12 months

13.74% - 25.74% (Variable) APR after that

0% intro APR
for 12 months

13.74% - 25.74% (Variable) APR after that

$0

Good / Excellent CreditLearn MoreView Card Details
  • NEW! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
BankAmericard Cash Rewards™ Credit Card

0% intro APR
for 12 billing cycles

13.74% - 23.74% Variable APR after that

0% intro APR
for 12 billing cycles for qualifying Balance Transfers

13.74% - 23.74% Variable APR after that

$0

Excellent / Good CreditLearn MoreView Card Details
  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% - 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Capital One® Quicksilver® Cash Rewards Credit Card

0% intro APR
for 9 months

13.74% - 23.74% (Variable) APR after that

0% intro APR
for 9 months

13.74% - 23.74% (Variable) APR after that

$0

Excellent, Good CreditLearn MoreView Card Details
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • NEW! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Click here for more details on Wells Fargo Cash Wise Visa® Card
  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% - 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Click here for more details on BankAmericard Cash Rewards™ Credit Card
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Click here for more details on Capital One® Quicksilver® Cash Rewards Credit Card
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