Overview

For budget-conscious travelers, Bank of America^® Travel Rewards credit card is the perfect no-fee travel card. Designed specifically for travelers, this rewards credit card comes with no annual fee, no foreign transaction fees, and no expiration on points. This allows you to accumulate reward points at your own pace without incurring additional costs.

Card Summary

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Bank of America^® Travel Rewards credit card

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards^® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro APR

0% on Purchases and qualifying Balance Transfers

Intro APR Period

15 billing cycles

Annual Fee

$0

Credit Needed

Excellent / Good

Card Benefits

Sign-up bonus

Upon spending a minimum of $1,000 with the card within the initial 90 days of becoming a card member, you qualify for a bonus of 25,000 points. It typically takes about 8 to 12 weeks for these bonus points to be posted to your rewards balance. This bonus, equivalent to a $250 travel statement credit, provides significant value for a card with no annual fee. Essentially, it represents a valuable sign-up bonus, translating to a 25% reward on your first $1,000 in purchases during the initial 90 days.

Earn rewards points

You earn unlimited 1.5 base rewards points for every dollar you spend with the credit card. You can also receive additional rewards bonus when you book travel through Bank of America’s Travel Center, which is powered by the popular Expedia travel booking platform.. You earn 3 points (consisting of 1.5 bonus points and 1.5 base points) for every $1 in net purchases, excluding insurance purchases, made through the Travel Center, with no limit on the number of bonus points you can earn.

Preferred Rewards^® Program – earn up to 75% rewards bonuses

If you are a Bank of America Preferred Rewards^® customer, you can get a 25%, 50% to 75% rewards bonus on the baseline rewards, depending on your eligible tier. There are 3 tiers in the Preferred Rewards program: Gold, Platinum and Platinum Honors. Your tier is based on your qualifying combined balances in your Bank of America® banking and/or Merrill investment accounts. Your Preferred Rewards status can help you earn up to 2.625 points per dollar on your purchases. For example, if you earn $100 in base rewards, your Preferred Rewards bonus will add $25, $50 or $75 to your reward earnings, totaling $125, $150 or $175. The following chart shows the minimum balance qualification requirement and rewards for Gold, Platinum, Platinum Honors tiers of Preferred Rewards.

Note: When your balances increase to qualify you for the next rewards tier, you will be moved up automatically. And once you reach a rewards tier, you’ll keep your program benefits for a full 12 months.

How to redeem points

You can redeem points for a travel credit or cash reward starting at 2,500 points, or for gift cards starting at 3,125 points. Your rewards points can be redeemed for a travel credit that is applied as a statement credit to your account to offset travel purchases from qualifying merchants in the following travel-related categories: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos and the like. Qualifying travel purchases are eligible for a travel credit for 12 months from the posting date. Each point redeemed for a travel credit is worth $0.01 (2,500 points = $25).

Free Museum Admission

As a Bank of America credit card member, you will have a unique perk of free admission to over 200 museums on the first full weekend of every month. Bank of America has been running a program of Museums on Us for over two decades, which offers its customers free admission to more than 200 museums on the first weekend each month. You can present your Bank of America Travel Rewards Credit Card along with a photo ID to gain one free general admission to any of 200+ museum participants of the special Museums on Us program.

Fees

There is no annual fee and no foreign transaction fees, making the Bank of America^® Travel Rewards credit card especially ideal for those who travel outside of the U.S. You can also use the card as little or as much as you like, without worrying about earning enough to cover an annual fee.

Introductory 0% APR

This travel credit card also offers 0% introductory APR on purchases for a period of 15 billing cycles. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies. You can use the credit card for purchases and carry a balance for an extended period without incurring interest cost.

Is this the right card for you?

If you value simplicity and like hassle-free travel credit cards, the Bank of America^® Travel Rewards credit card is the right card for you. It is one of the best travel credit cards with no foreign transaction fees and no annual fee out there. It offers a solid 1.5% back on all purchases made, which allows you to earn travel rewards without the limitations of specific purchasing categories. Furthermore, if you already bank with Bank of America or plan to in the future, you can take advantage of the extra points bonus, which may increase your rewards to 2.625% on each purchase. If you shop frequently, you can rack up enough points to use as travel credit, resulting in a significantly-sized savings on your next travel.

Similar Credit Cards

If you are interested in the Bank of America^® Travel Rewards credit card, you may also consider a few other credit cards with similar benefits.

Travel Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Wells Fargo Autograph℠ Card	20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.	$0 rates & fees
	Citi Premier® Card	60,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels 3 Points per $1 spent at Restaurants and Supermarkets 1 Point per $1 spent on all other purchases	$95 rates & fees
	Bank of America® Premium Rewards® credit card	Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening. Unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.	$95
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	$95

No-Annual-Fee Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Wells Fargo Active Cash® Card	$200 cash rewards bonus after spending $500 in purchases in the first 3 months. Unlimited 2% cash rewards on purchases.	$0 rates & fees
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.	$0 rates & fees
	Bank of America® Customized Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.	$0
	Bank of America® Unlimited Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Unlimited 1.5% cash back on all purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.	$0
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 (fees)
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.	$0 (fees)
	USAA Preferred Cash Rewards Credit Card	Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.	$0 (fees)

The post Bank of America® Travel Rewards Review – 25,000 Bonus Points appeared first on CardBenefit.

Overview

If you like to earn steady cash rewards, look no further than Bank of America^® Unlimited Cash Rewards credit card. It is a no-annual-fee credit card that awards cardholders flat 1.5% cash back on all purchases. In addition, Bank of America Unlimited Cash Rewards credit card gives out a $200 sign-up bonus after you make qualified purchases. Plus, you can enjoy 0% interest on purchases and qualifying balance transfers for 15 billing cycles.

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Bank of America^® Unlimited Cash Rewards credit card

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn unlimited 1.5% cash back on all purchases.
• If you're a Bank of America Preferred Rewards^® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
• No annual fee.
• No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro APR

0% on Purchases and qualifying Balance Transfers

Intro APR Period

15 billing cycles

Annual Fee

$0

Credit Needed

Excellent / Good

Card Benefits

$200 Cash Back Bonus

Cardholders of Bank of America Unlimited Cash Rewards credit card will earn $200 cash bonus after spending $1,000 in the first 90 days of account opening. Earning the $200 bonus is like getting a 20% discount on your first $1,000 in purchases. It is an easy way to put more cash back in your pocket.

Cash Rewards

In addition to the welcome bonus, you will earn cash back rewards everywhere you go. Bank of America Unlimited Cash Rewards credit card pays you unlimited 1.5% flat-rate cash back on purchases. For your cash rewards, there are no rotating spending categories to keep track of. There is no limit to the amount of cash back you can earn and your rewards never expire as long as your account remains open. You can redeem your cash back for any amount, anytime for statement credits and deposits made directly into your Bank of America checking or savings account.

For example, if you spend $30,000 on the card in a year, you will receive $450 cash back rewards. You can use our cash rewards calculator to find out how much cash back rewards you may receive.

0% Interest for 15 billing cycles

Bank of America Unlimited Cash Rewards credit card lets you have 0% interest on purchases and qualifying balance transfers for 15 billing cycles. After the introductory period, the go-to rate of 19.24% - 29.24% variable applies.

With 0% intro APR on purchases, you can charge expensive purchases to the card now and pay off the balance 15 months later. As long as you make minimum payments shown on your credit-card statements every month, you will not have to pay any interest or fees for 15 months.

Furthermore, you can have 0% interest on balance transfers made in the first 60 days, which allows you to transfer existing balance of other credit cards to your new Bank of America Unlimited Cash Rewards credit card. In this way, you can save money on interest fees by paying off current credit-card balance now and then paying no interest for 15 months on the Bank of America Unlimited Cash Rewards credit card.

Savings on Balance Transfers

For each balance transfer, there is a one-time transaction fee of 3% of the amount of each balance transfer. The balance transfer fees of Bank of America Unlimited Cash Rewards credit card are among the lowest of balance-transfer credit cards.

For instance, if you carry a balance of $12,000 on a credit card that has an interest rate of 25%, you can sign up for a new Bank of America Unlimited Cash Rewards credit card to request a transfer to save about $3,390. The potential interest fees on the current credit-card balance is about $3,750 for about 15 months. And the transaction cost is $360 to do the balance transfer in the first 60 days. Therefore, the net savings is about $3,390. You can use our balance transfer calculator to find out how much you can save on balance transfers.

Loyalty Bonus

If you are a Bank of America Preferred Rewards^® customer, your rewards bonus can be between 25% and 75% of your base cash rewards. There are 3 tiers in the Preferred Rewards program: Gold, Platinum and Platinum Honors. Your tier is based on your qualifying combined balances in your Bank of America deposit accounts and/or Merrill investment accounts. Depending on your eligible tier of Preferred Rewards, you can get a 25%, 50% to 75% rewards bonus on the baseline rewards. The following chart shows the qualification requirement of minimum balance and rewards for Gold, Platinum, Platinum Honors tiers of Preferred Rewards.

If you qualify for the Platinum Honors Tier of Preferred Rewards, and still spend the same amount as the above example, i.e., $30,000 on purchases, you will receive $787.50 cash rewards for the year. See the calculation of cash back rewards for preferred rewards.

Free Museum Admission

Cardholders of any Bank of America credit cards have a unique perk of free admission to more than 200 museums on the first full weekend of every month. Bank of America has been running a program of Museums on Us for over two decades, which lets its customers enjoy free admission to over 200 museums on the first weekend each month. You can present your Bank of America Unlimited Cash Rewards credit card along with a photo ID to gain one free general admission to any of 200+ museum participants of the special Museums on Us program.

Visa Signature^® Benefits

Bank of America Unlimited Cash Rewards credit card gives its card members access to Visa Signature^® benefits automatically, such as 24-hour personalized concierge service when you travel, discounts at selected hotels, resorts and spas, travel and roadside assistance, etc. All of these perks are available at no additional cost to card members.

Fees

Bank of America Unlimited Cash Rewards credit card has no annual fee, which means there is no cost to keep the card. But for purchases that you make when you travel abroad, there are 3% foreign transaction fees. It is typical for no-annual-fee credit cards to have 3% surcharges on foreign purchases.

Required Credit Rating

Bank of America Unlimited Cash Rewards credit card is for people with good or excellent credit profile. If your credit score is above 700, you may qualify for the credit card.

Is this the right card for you?

Bank of America Unlimited Cash Rewards credit card is best for people who prefer straight cashback without dealing with spending categories. It lets you earn 1.5% straightforward cash rewards on all purchases, including gasoline, grocery, travel, dining, utilities, and more. It offers a bounty of $200 bonus cash. Furthermore, Bank of America Unlimited Cash Rewards credit card has no annual fee and features 0% introductory interest. In conclusion, these benefits make Bank of America Unlimited Cash Rewards credit card an ideal cash back credit card to use for everyday purchases.

Similar Credit Cards

If you are interested in the Bank of America^® Unlimited Cash Rewards credit card, you may consider a few other credit cards with similar benefits.

Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Wells Fargo Active Cash® Card	$200 cash rewards bonus after spending $500 in purchases in the first 3 months. Unlimited 2% cash rewards on purchases.	$0 rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.	$0 rates & fees
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.	$0 rates & fees
	Bank of America® Customized Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 (fees)
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	USAA Preferred Cash Rewards Credit Card	Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.	$0 (fees)

Bonus Rewards

Credit Card		Credit Card Bonus	Annual Fee
	Citi Premier® Card	60,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.	$95 rates & fees
	Wells Fargo Autograph℠ Card	20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.	$0 rates & fees
	Bank of America® Travel Rewards credit card	25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.	$0
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel.	$95
	Bank of America® Premium Rewards® credit card	Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.	$95

0% Interest Credit Cards

Credit Card		0% Interest	Annual Fee
	Wells Fargo Reflect® Card	0% on purchases and qualifying balance transfers for 21 months from account opening (rates & fees)	$0
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on qualifying balance transfers for 21 months (rates & fees)	$0
	USAA Rate Advantage Credit Card	0% on balance transfers for 15 months (rates & fees)	$0 (fees)

The post Bank of America® Unlimited Cash Rewards Review – $200 Bonus Offer and 1.5% Cash Back appeared first on CardBenefit.

Overview

If you travel frequently and would like to earn rewards on travel and dining out, Bank of America^® Premium Rewards^® credit card is one of the best credit cards for what you do. It offers unlimited 2 points for every $1 spent on travel and dining purchases. If you are a Bank of America Preferred Rewards^® client, your rewards can go up by 75%, which means that you can earn up to 3.5 points for every $1 spent on travel and dining out. In addition, you can earn 60,000 bonus points after qualified spending, which can be redeemed for $600. You can earn another travel credit of $200 to pay for airline incidental and airport expedited screening, such as baggage fees, in-flight services, Global Entry, TSA PreCheck, etc.

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Bank of America^® Premium Rewards^® credit card

• Low $95 annual fee.
• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards^® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America^® accounts, credit to eligible Merrill^® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck^®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro APR

N/A

Intro APR Period

N/A

Annual Fee

$95

Credit Needed

Excellent / Good

Card Benefits

Sign-up Bonus

If you spend at least $4,000 in purchases within your first 90 days of becoming a card member, you will receive a bonus of 60,000 points, which can be redeemed for cash rewards of $600. It usually takes about 8 to 12 weeks from qualifying for the 60,000 bonus points to post to your rewards balance. In addition, you can get up to $200 in travel credit to pay for airline incidental and airport expedited screening statement credit.

Earn Rewards

You will earn unlimited 2 points for every dollar spent on travel and dining purchases. For all other purchases, you will earn unlimited 1.5 points per dollar. Points can be redeemed in your online credit card account for cash rewards, gift cards, or travel. Each point redeemed is worth $0.01 (For example, 2,500 points can be redeemed for $25 in cash rewards or gift cards). Therefore, your rewards is equivalent to 2% back for each dollar you spend on travel and dining purchases and 1.5% back on all other purchases.

If you are a Bank of America Preferred Rewards^® customer, you can receive up to 75% additional bonus on your base rewards, which would boost your rewards to 3.5% for travel and dining, and 2.625% on all other purchases. Depending on your eligible tier of Preferred Rewards, you can get a 25%, 50% to 75% rewards bonus on the baseline rewards. There are 3 tiers in the Preferred Rewards program: Gold, Platinum and Platinum Honors. Your tier is based on the combined balances of your qualifying Bank of America® banking and/or Merrill investment accounts. If you have an IRA account or a mutual fund account, you can simply choose Merrill for those investment accounts to easily help qualifying for the 75% bonus. The following chart shows the qualification requirement of account balance and rewards for Gold, Platinum, Platinum Honors tiers of Preferred Rewards.

There is no limit to the points you can earn, and your points don’t expire as long as your account remains open, which means you don’t have to worry about losing rewards points.

Additional Travel Benefits

The Bank of America^® Premium Rewards^® credit card has no foreign transaction fees, which is a friendly feature for international travelers who may use the credit card abroad. It also offers up to $200 in combined airline incidental and airport expedited screening statement credits, plus valuable travel insurance protections – you will get up to a $100 Airline Incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees, and will get up to $100 Airport Security Statement Credit towards TSA PreCheck or Global Entry Application fee, every four years

The airline incidental credit can help you pay for fees such as checked baggage or in-flight refreshments. The airport expedited screening program, such as TSA PreCheck and Global Entry, can save travelers 20 to 30 minutes in most airports. TSA PreCheck provides expedited security screening benefits for flights departing from U.S. Airports. Global Entry provides the TSA PreCheck benefit plus expedited US customs screening for international air travelers when entering the United States. TSA PreCheck costs $85 and Global Entry costs $100 for a five year membership. The travel credit will be automatically applied to your card statement.

How to Redeem Rewards

When your points balance is 2,500 points or more, you can redeem your points for cash rewards, including a statement credit, an electronic deposit into a Bank of America® checking or savings account, or for credit to an eligible Cash Management Account® with Merrill Wealth Management® including 529 accounts. Points may also be redeemed for travel at the Travel Center, or gift cards. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand. Each point redeemed is worth $0.01 (2,500 points = $25).

To redeem points, you just need to sign in to your online account of Bank of America^® Premium Rewards^® credit card and click on the “Rewards” tab, which will show the point balance of your account, along with an option to redeem the points for cash rewards, travel, or gift cards.

Free Museum Admission

As a Bank of America credit card member, you will have a unique perk of free admission to over 200 museums on the first full weekend of every month. Bank of America has been running a program of Museums on Us for over two decades, which offers its customers free admission to more than 200 museums on the first weekend each month. You can present your Bank of America Premium Rewards Credit Card and a photo ID to gain one free general admission to any of 200+ museum participants of the special Museums on Us program.

Additional Information

Fees

There is an annual fee of $95. With all the travel benefits and a generous bonus valued at $600, frequent travelers can easily earn enough rewards to offset the cost of the annual fee. It has has no foreign transaction fees, which is a friendly feature for international travelers who may use the credit card abroad. Most credit cards typically charge a transaction fee 3% on your purchases in foreign countries. If you may travel abroad, it is always a good idea to carry a credit card such as Bank of America^® Premium Rewards^® credit card so that you can avoid the 3% surcharge on your purchases.

Required Credit Rating

The Bank of America^® Premium Rewards^® credit card is for people with good or excellent credit rating. If you have a credit score of 700 or more, you may be qualified for the credit card.

Is this the right card for you?

If you value rewards and like travel benefits such as expedited security screening or airline incidental credit, the Bank of America^® Premium Rewards^® credit card is the right card for you. It is one of the best travel credit cards with no foreign transaction fees. It offers a solid 2% rewards on travel and dining purchases. Furthermore, if you are a customer of Bank of America or plan to do so in the future, you can take advantage of the extra rewards bonus for Preferred Rewards members, which will increase your travel and dining rewards to as much as 3.5% back. 

This credit card has a low annual fee of $95, but it offers 60,000 bonus points for new card members, which can offset more than five years of annual fee. In addition, its generous rewards and valuable travel perks make it a useful credit card for travelers.

Similar Credit Cards

If you are interested in the Bank of America^® Premium Rewards^® credit card, you may also consider a few other travel credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Wells Fargo Autograph℠ Card	20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.	$0 rates & fees
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	$95
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.	$0 rates & fees
	Bank of America® Travel Rewards credit card	Unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.	$0
	Wells Fargo Active Cash® Card	$200 cash rewards bonus after spending $500 in purchases in the first 3 months. Unlimited 2% cash rewards on purchases.	$0 rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.	$0 rates & fees
	Bank of America® Customized Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.	$0
	Bank of America® Unlimited Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Unlimited 1.5% cash back on all purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.	$0
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Ink Business Cash® Credit Card	5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary	$0
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.	$0 (fees)

The post Bank of America® Premium Rewards® Review – 60000 Points Offer and up to $200 Credit appeared first on CardBenefit.

Overview

Bank of America^® Customized Cash Rewards credit card is an ideal credit card that offers big rewards on purchases at places such as online shopping sites, restaurants, airlines, hotels, supermarkets, wholesale clubs, gas stations. It allows everyday spenders to accrue cash back on your daily expenses. In addition, Bank of America^® Customized Cash Rewards credit card also offers a $200 sign-up bonus and has no annual fee.

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Bank of America^® Customized Cash Rewards credit card

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
• If you're a Bank of America Preferred Rewards^® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and cash rewards don't expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro APR

0% on Purchases and qualifying Balance Transfers

Intro APR Period

15 billing cycles

Annual Fee

$0

Credit Needed

Excellent / Good

Card Benefits

$200 Cash Back Bonus Offer

With Bank of America^® Customized Cash Rewards credit card, new cardholders can earn a welcome bonus of $200 cash just for using their card. To obtain the $200 bonus cash back, you only need to charge at least $1,000 of purchases to your card in the first 90 days after opening your credit card account. Earning the $200 bonus cash rebate is like receiving a 20% discount on your first $1,000 in purchases, which is an easy way to put more cash back in your pocket.

Rewards Program

You will earn cash back rewards everywhere you go. The card pays you 3% cash back in the category of your choice: gas (including Electric Vehicle Charging (EVC) Stations), online shopping (including Cable, Streaming, Internet and Phone Services), dining, travel, drug stores, or home improvement & furnishings, and 2% cash back on purchases at grocery stores and wholesale clubs. There is a cap of $2,500 in combined choice category, grocery, and wholesale club purchases per quarter. After that, those purchases earn 1% cash back. For all other purchases, you will automatically earn unlimited 1% cash back with no cap.

For example, if you spend $7,500 on purchases that qualify for 3% cash back, $2,500 on groceries, and $20,000 on everything else in a year, you will receive $475 cash rewards for the year. You can use our cash back calculator to find out how much cash rewards you may receive.

To receive cash rewards, you can request cash back as statement credits, checks, or direct deposits into a Bank of America or Merrill Cash Management account. The best part is, your rewards never expire as long as your account remains open, which means that you can use them whenever you like.

Loyalty Bonus

If you are a Bank of America Preferred Rewards^® customer, your rewards bonus can be between 25% and 75% of your base cash rewards. There are 3 tiers in the Preferred Rewards program: Gold, Platinum and Platinum Honors. Your tier is based on your qualifying combined balances in your Bank of America deposit accounts and/or Merrill investment accounts. Depending on your eligible tier of Preferred Rewards, you can get a 25%, 50% to 75% rewards bonus on the baseline rewards. The following chart shows the qualification requirement of minimum balance and rewards for Gold, Platinum, Platinum Honors tiers of Preferred Rewards.

Preferred Rewards Structure

An Example Calculation of Preferred Rewards

If you qualify for the Platinum Honors Tier of Preferred Rewards, and still spend the same amount as the above example, i.e., $7,500 on purchases in the spending category that qualifies for the highest cash back, $2,500 on groceries, and $20,000 on everything else per year, you will receive $831.25 cash rewards for the year. See the calculation of cash back rewards for preferred rewards.

Free Museum Admission

As a Bank of America credit card member, you will have a unique perk of free admission to over 200 museums on the first full weekend of every month. Bank of America has been running a program of Museums on Us for over two decades, which offers its customers free admission to more than 200 museums on the first weekend each month. You can present your Bank of America Customized Cash Rewards Credit Card along with a photo ID to gain one free general admission to any of 200+ museum participants of the special Museums on Us program.

Visa Signature^® Benefits

If you have been searching for a cash rewards card that also offers VIP benefits, look no further. Cardholders of Bank of America^® Customized Cash Rewards credit card automatically enjoy Visa Signature^® benefits, which include 24-hour personalized concierge service when you travel, discounts at selected hotels, resorts and spas, travel and roadside assistance, $0 fraud liability. All of these perks are included at no additional cost to card members.

Fees

Bank of America^® Customized Cash Rewards credit card carries no annual fee. You can earn cash back rewards without worrying about paying an annual fee to keep the card. As an added perk, new members pay 0% interest on purchases and qualified balance transfers for an extended period of 15 billing cycles, which is great if you plan on making a large purchase or transferring a high interest balance to the card. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies.

Is this the right card for you?

With no annual fee and an easy-to-understand rewards structure, Bank of America^® Customized Cash Rewards credit card is a great payment card that is best for people who want to get more cash back on the things you buy every day. On top of the new account bonus of $200, you can earn up to 3% cash back on your regular purchases. Unlike many other rewards cards, there are no rotating categories to keep track of. You can earn even bigger bonuses just for being a Bank of America customer. Bank of America customers may use this credit card to earn top-tier cash rewards of up to 5.25% back, which makes it one of the highest cash back credit cards.

Similar Rewards Credit Cards

If you are interested in Bank of America^® Customized Cash Rewards credit card, you may also consider a few other credit cards with similar benefits.

Travel Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Wells Fargo Autograph℠ Card	20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.	$0 rates & fees
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	$95

Grocery Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Premier® Card	60,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels 3 Points per $1 spent at Restaurants and Supermarkets 1 Point per $1 spent on all other purchases	$95 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.	$0 intro annual fee for the first year, then $95. (fees)
	Choice Rewards World Mastercard®	20,000 bonus Rewards Points when you spend $3,000 in the first 60 days 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases	$0

Gas Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees

Dining Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Bank of America® Premium Rewards® credit card	Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening. Unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.	$95
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Ink Business Cash® Credit Card	5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary	$0

No Annual Fee Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Wells Fargo Active Cash® Card	$200 cash rewards bonus after spending $500 in purchases in the first 3 months. Unlimited 2% cash rewards on purchases.	$0 rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.	$0 rates & fees
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.	$0 rates & fees
	Bank of America® Travel Rewards credit card	Unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.	$0
	Bank of America® Unlimited Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Unlimited 1.5% cash back on all purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.	$0
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0

The post Bank of America® Customized Cash Rewards Credit Card Review – $200 Bonus Offer and 3% Back on your Choice Category appeared first on CardBenefit.

Overview

If you’re seeking substantial rewards from your credit card, you may sign up for the Wells Fargo Autograph^℠ Card. As the latest inclusion in Wells Fargo’s array of consumer credit cards, this card proves to be a valuable choice for those desiring an everyday rewards card. With no annual fee, it presents an attractive option for budget-conscious individuals. The card offers commendable points accrual rates for dining, gasoline, travel, and transportation expenses. Additionally, the Wells Fargo Autograph Card provides a noteworthy sign-up bonus, enhancing its appeal as a rewarding credit card option. Read on for our in-depth review and analysis of the card.

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Wells Fargo Autograph^℠ Card

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Intro APR

0% on Purchases

Intro APR Period

12 months from account opening

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good

Card Benefits

Sign-up Bonus

After spending $1,000 within the first three months of opening your account, you qualify for a welcome bonus of 20,000 points. When these points are redeemed, the bonus equates to $200. This welcome offer serves as a noteworthy incentive, providing a 20% reward on the initial $1,000 in purchases made during the first three months. The bonus will be credited to your account within one to two billing periods after you have met the qualifying criteria.

How to Earn Rewards with Wells Fargo Autograph

Wells Fargo Autograph Card provides a lucrative 3X rewards system for a range of common purchases. You can earn 3 points for every dollar spent on various essentials, including dining expenses at restaurants, travel costs, gas purchases, transit, phone plans, and popular streaming services. Additionally, you’ll accrue 1 point for each dollar spent on all other purchases.

What sets this card apart is its exceptional combination of 3X rewards across these everyday categories. Notably, the Autograph Card stands out as possibly the only rewards card offering 3X points simultaneously in such popular and diverse spending areas. The inclusion of phone plans as a distinct and valuable bonus category is especially noteworthy, considering that some families spend as much on phone plans as they do on dining out. Another advantage is the simplicity of not having to monitor or enroll in rotating categories, as these 3X rewards are applicable throughout the entire year.

An Example Calculation of Rewards

To illustrate, suppose you spend $18,000 on purchases eligible for 3X rewards and $12,000 on all other expenses within a year. In this scenario, you would accumulate a total of 66,000 rewards points. When redeemed, these points translate into $660 in cash back for the entire year. Utilizing our credit card rewards calculator can help you determine the potential rewards you might receive based on your specific spending patterns.

How to Redeem Wells Fargo Rewards

You can redeem your Wells Fargo rewards points in a variety of ways, including statement credit, gift cards, travel, etc. To redeem points, simply log in to your online Wells Fargo credit card account and click the “Wells Fargo Rewards” link. Your rewards points is valued at a rate of one cent per point.

When redeeming points for statement credits, you may redeem up to the full value of your rewards. And you can receive the credit to a Wells Fargo account of yours, such as credit card, checking account, and mortgage. Alternatively, you may use rewards points to pay for purchases, such as flights, hotels, merchandises, etc. Similar to statement credits, you may use up to the full amount of your rewards points when redeeming for purchases.

You may also redeem points for gift cards of your favorite stores, including Amazon, Apple, Home Depot, etc. Gift cards are available in increments of $25, equivalent to increments of 2,500 rewards points. As an incentive, Wells Fargo sometimes runs limited time offers to give you 10% off on select gift cards. This would allow you to redeem every 2,250 points for a $25 gift card. As of November 2023, over a dozen shopping gift cards are available at 10% discount, including Apple, Home Depot, Macy’s, McDonald’s, etc.

For example, if you have 9,351 rewards points, you can redeem all of the points for $93.51 in statement credits to post to a qualifying Wells Fargo account. On the other hand, if you choose gift cards, you may redeem 7,500 points for $75 gift cards, leaving 1,851 points in your account. But if you choose those gift cards with 10% discount, you can actually receive $100 gift cards by using only 9,000 points and still keeping 351 points.

Travel Benefits

No Foreign Transaction Fees

Because there are no foreign transaction fees with Wells Fargo Autograph Card, it is a great payment card for international travel. This card could help you save money while you are on vacation since these fees typically account for around 3% of international purchases.

Rental Car Coverage

Wells Fargo Autograph Card will cover any loss or damage to your rental car, up to $50,000, provided you charge the whole cost of the rental car to the card and refuse the rental company’s insurance. It’s crucial to keep in mind, however, that this coverage is secondary to your insurance policy in the United States, which means that it won’t begin to pay out until after your primary auto insurance has been used. Outside the United States, where this benefit is available, the coverage is primary even if you have another insurance policy.

Roadside Assistance

Wells Fargo Autograph Card also provides its card members with Roadside Dispatch, a pay-per-use roadside assistance program. For a set price per call, you will have access to roadside assistance services such as towing, tire changing, jump starting, lockout service, fuel delivery, winching. It gives you security and convenience wherever your travels take you.

Additional Perks

Cell phone protection

You can get up to $600 in cell phone protection if you use Wells Fargo Autograph Card to pay your monthly cell phone bill. It has a $25 deductible and covers both theft and damage to cell phones.

24/7 Visa Signature Concierge service

Wells Fargo Autograph Card comes with 24/7 Visa Signature Concierge, allowing its cardholders to access a multitude of services. Whether you’re looking for tickets to premier sports and entertainment events, planning travel arrangements, or making dinner reservations, the concierge service is at your disposal to streamline these tasks and more. You can enjoy the convenience of a dedicated service ready to assist you around the clock.

My Wells Fargo Deals

You can also explore personalized deals through My Wells Fargo Deals and unlock exclusive offers from a range of merchants. This convenient platform provides tailored deals that enable you to earn cash back as an account credit when you use Wells Fargo Autograph Card for shopping, dining, or enjoying various experiences. For example, you may get 10% cash back from Panera Bread, Doordash, Four Points hotels by Marriott, 5% cash back from Walmart, 2% cash back from Texaco.

Complementary FICO Score and Credit Monitoring

Wells Fargo Autograph Card also provides complimentary Credit Close-Up, a tool that equips you with the knowledge to comprehend and monitor your FICO Score. By enrolling, you gain access to monthly FICO Score updates and personalized credit insights. This valuable service is complimentary for Wells Fargo Online customers, and rest assured, utilizing it will not have a negative impact on your credit score.

Fees and 0% APR

Wells Fargo Autograph Card has no annual fee and no foreign transaction fees, making it a perfect card to keep without the burden of cost. Furthermore, it offers 0% introductory APR on purchases for 12 months from account opening after account opening. After the intro period ends, the go-to rate of 20.24%, 25.24%, or 29.99% Variable applies.

Required Credit Rating

Wells Fargo Autograph Card is tailored for customers with excellent or good credit. When applying, it’s recommended to have a FICO Score of at least 700. Your credit score is among the various factors considered during the application process.

Is Wells Fargo Autograph Card the right card for you?

If you’re in search of a dependable credit card without an annual fee that provides substantial rewards for everyday purchases, consider obtaining Wells Fargo Autograph Card. The attractive features, including the earning rate, welcome bonus, numerous travel benefits and perks, along with the low introductory APR on purchases, collectively enhance the appeal of this credit card offer.

Similar Rewards Credit Cards

If you are interested in Wells Fargo Autograph Card, you may also consider a few other credit cards with similar benefits.

Travel Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Premier® Card	60,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels 3 Points per $1 spent at Restaurants and Supermarkets 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	$95
	Bank of America® Premium Rewards® credit card	Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening. Unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.	$95

Restaurant Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Ink Business Cash® Credit Card	5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary	$0

Gas Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Bank of America® Customized Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.	$0
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.	$0 rates & fees

No Annual Fee Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Wells Fargo Active Cash® Card	$200 cash rewards bonus after spending $500 in purchases in the first 3 months. Unlimited 2% cash rewards on purchases.	$0 rates & fees
	Bank of America® Travel Rewards credit card	Unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.	$0
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.	$0 rates & fees

The post Wells Fargo Autograph Card Review appeared first on CardBenefit.

Overview

Total Visa Card is designed to assist individuals with poor credit or limited credit history in building or rebuilding their credit profiles. Issued by The Bank of Missouri, this credit card serves as a tool for credit improvement, particularly for those with a history of bankruptcy.

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Total Visa^® Card

• Earn 1% cash back rewards on payments made to your Total Credit Card
• Checking Account Required
• $300 credit limit (subject to available credit)
• No security deposit, simply pay a one-time $95 program fee to open your account.*
• User friendly Mobile App.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$75.00 1st year, $48.00 after*

Credit Needed

Fair / Bad

Card Benefits

One notable feature of the Total Visa Card is its accessibility, catering to individuals with less-than-ideal credit scores. It offers them an opportunity to improve their credit profiles. In addition, as an unsecured credit card, the card does not require a security deposit to open an account. This makes the card more accessible to a broader range of individuals.

The Total Visa Card typically comes with a low initial credit limit. However, the credit limit has the potential to increase over time with responsible use and on-time payments.

The card issuer reports cardholder activity to major credit bureaus on a monthly basis. Consequently, it offers cardholders an opportunity to positively impact their credit scores through responsible credit usage.

Furthermore, Total Visa Card offers 1% cash back on purchases, which helps you earn a little rewards while building credit. As a VISA card, the Total Visa Card is widely accepted by merchants worldwide. And its online account management features provide convenience, allowing cardholders to make payments, check balances, and monitor transactions.

Fees

It’s important for cardholders to be aware of the associated fees, as the Total Visa Card comes a one-time program fee of $95.00. It also has an annual fee of $75.00 for the first year, and $48.00 thereafter.

Is Total Visa Card the right card for you?

For individuals with less-than-perfect credit, the Total Visa Card presents a valuable opportunity to rebuild credit. As an unsecured card, it eliminates the need for making an initial security deposit. Most importantly, this card reports to all three major credit bureaus—Experian, TransUnion, and Equifax. This reporting mechanism ensures that responsible credit behavior, including making timely payments, will have a positive impact on the cardholder’s credit history. For individuals aiming to repair or build credit, the Total Visa Card proves to be an effective tool when used responsibly.

Similar Cards for Credit Building

Similar to the Total Visa Card, a few other credit cards offer similar benefits.

Credit Card		Credit Building	Annual Fee
	First Latitude Select Mastercard® Secured Credit Card	Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Choose your own fully-refundable credit line - $200 to $2000 - based on your security deposit. Reports to all 3 credit bureaus No minimum credit score required for approval! †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.	$39.00
	OpenSky® Plus Secured Visa® Credit Card	New feature! Earn up to 10% cash back* on everyday purchases No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Secure your credit line with a refundable security deposit - as low as $300. Now you can make smaller partial payments towards funding your security deposit over 60 days	$0
	Reflex® Platinum Mastercard®	Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time) See if you're Pre-Qualified with no impact to your credit score Access to your Vantage 3.0 score from Experian (When you sign up for e-statements) Initial Credit Limit of $300 - $1,000 (subject to available credit) Monthly reporting to the three major credit bureaus	$75 - $125

The post Total Visa® Card Review – Rebuild Credit with an Unsecured Card appeared first on CardBenefit.

Overview

For those seeking a no-annual-fee credit card to establish a credit history, Capital One Platinum Credit Card stands out as an excellent option. Designed as an unsecured credit card, it caters to individuals with average credit ratings. It offers them an opportunity to enhance their credit profiles. Notably, approval for this card is accessible with a FICO credit score in the 600s.

An advantageous feature of the Capital One Platinum Credit Card is its regular reporting to all three major credit reporting agencies. This provides users with the means to showcase their credit activity and progress. Additionally, the card offers the flexibility to increase the credit limit after five months of responsible use, which may contribute positively to the cardholder’s credit score.

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Capital One Platinum Credit Card

• No annual or hidden fees. See if you're approved in seconds
• Be automatically considered for a higher credit line in as little as 6 months
• Help build your credit through responsible use of a card like this
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
• Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$0

Credit Needed

Average, Fair, Limited

Card Benefits

If you have not established a credit profile yet, obtaining new credit lines or loans may pose a challenge. However, the Capital One Platinum Credit Card can be a valuable solution in such situations. As an unsecured credit card, it offers the advantage of not requiring a security deposit to open an account. This makes it particularly accessible for individuals with limited or no credit history, including those venturing into their first credit card experience.

Even if your credit score hovers in the 600s, a range where many card issuers might hesitate to grant unsecured credit, the Capital One Platinum Credit Card is tailored to the needs of individuals with average credit. This makes it a viable option for initiating the process of building your credit.

As a Mastercard, the card is widely accepted, which allows you to make purchases at most merchants worldwide. Moreover, the card automatically considers you for a higher credit line in as little as six months. This provides an opportunity for increased flexibility.

Furthermore, the card offers unlimited access to your credit score and tools through CreditWise from Capital One. This helps you monitoring and managing your credit profile. Additionally, the $0 Fraud Liability feature protects you against unauthorized charges, offering a layer of security against fraudulent purchases.

Fees

With no annual fee, the Capital One Platinum Credit Card emerges as an excellent choice for long-term ownership. This feature enhances its appeal, making it a favorable credit card for individuals who are new to building credit. The absence of an annual fee contributes to the card’s affordability. It makes the card a practical option for those looking to establish and maintain their credit history over an extended period.

Is this the right card for you?

For individuals with average or fair credit, the Capital One Platinum Credit Card presents a valuable opportunity to build credit without the burden of an annual fee. As an unsecured card, it eliminates the need for a security deposit. Consequently, it provides accessibility for those looking to strengthen their credit profiles. In addition, as a Mastercard, it offers widespread acceptance, allowing its users to make purchases nearly everywhere.

One of the noteworthy features of this card is its reporting to all three major credit bureaus — Experian, TransUnion, and Equifax. This reporting mechanism ensures that responsible credit behavior, especially timely payments, contributes positively to the cardholder’s credit history. For those aiming to establish credit, the Capital One Platinum Credit Card proves to be an effective tool when used responsibly.

Similar Cards for Credit Building

Like the Capital One Platinum Credit Card, a few other credit cards offer similar benefits.

#1. Citi Double Cash Card: 2% Cash Rewards

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Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/24.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good, Fair

#2. Total Visa Card: 1% Cash Back Unsecured Card

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Total Visa^® Card

• Earn 1% cash back rewards on payments made to your Total Credit Card
• Checking Account Required
• $300 credit limit (subject to available credit)
• No security deposit, simply pay a one-time $95 program fee to open your account.*
• User friendly Mobile App.
• *See Rates, Fees, Costs & Limitations for complete offer details
• See Total Card Visa Rewards Programs Terms & Conditions for details

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$75.00 1st year, $48.00 after*

Credit Needed

Fair / Bad

#3. First Latitude Select Mastercard Secured Credit Card: Secured Card

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First Latitude Select Mastercard^® Secured Credit Card

• Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
• Past credit issues shouldn't prevent you from getting a credit card with great benefits & rewards!
• Choose your own fully-refundable credit line - $200 to $2000 - based on your security deposit.
• Build or rebuild your credit!†
• Accepted wherever Mastercard^® is accepted
• Reports to all 3 credit bureaus
• No minimum credit score required for approval!
• †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
• *See Important Disclosures for complete offer details

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$39.00

Credit Needed

Poor / Limited / No

The post Capital One Platinum Credit Card Review appeared first on CardBenefit.

Overview

If you need a credit card that offers straightforward cash rewards, consider Citi Double Cash Card, provided by our partner Citibank. This credit card provides a $200 bonus cash back along with a consistent 2% cash back on all purchases. As a Mastercard, it allows you to earn an unlimited 1% cash back when making purchases, with an additional 1% cash back as you pay for those transactions. With no annual fee, the card also features a 0% introductory APR on balance transfers for the first 18 months.

Card Summary

Apply Now

Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/24.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good, Fair

Card Benefits

Special Offer: $200 Cash Back Bonus

Citi Double Cash Card users have the opportunity to earn a $200 cash rewards bonus by making $1,500 in purchases within the initial 6 months. Receiving this $200 cash rewards bonus translates to a 13% discount on the first $1,500 spent — an effortless means of increasing the cash back in your wallet.

Cash Back: How Citi Double Cash Works

By earning 1% cash back when making purchases and an additional 1% when paying off the balance, you accumulate a total of 2% cash back on all your expenditures. The cash back has no limits, and as long as your account remains open, your earned rewards don’t expire.

Illustratively, if your annual card spending amounts to $30,000, you would receive $600 in cash back rewards. You can utilize our cash rewards calculator to determine the potential cash back rewards based on your specific expenditures.

0% Introductory APR

Additionally, it offers a 0% introductory APR on balance transfers, enabling you to transfer your current credit card balance and benefit from an extended period of 18 months with no interest. This provides an opportunity to save on interest costs. Post the introductory period, a go-to rate of 19.24% - 29.24% (variable) applies.

Fees

Citi Double Cash Card boasts a zero annual fee, allowing you to retain the card without incurring any charges. On the other hand, it has foreign transaction fees at 3% of each transaction in U.S. dollars. If you’re planning to use a credit card for international transactions, it’s crucial to be aware of any foreign transaction fees and consider other cards that may offer more favorable terms for overseas spending if that’s a significant part of your financial activity.

Required Credit Rating

Citi Double Cash Card is tailored for individuals with an excellent, good, or fair credit profile.

Bottom Line

To recap, here are the main pros and cons when considering Citi Double Cash Card:

Pros

Double Cash Back: Citi Double Cash Card provides a unique structure where you earn 1% cash back on all purchases when you make them and an additional 1% cash back when you pay them off. This effectively gives you 2% cash back on every purchase, making it competitive in the cash back rewards category.

Sign-Up Bonus: The card offers a sign-up bonus of $200 cash, which makes it quite attractive.

No Annual Fee: Citi Double Cash Card does not charge an annual fee, making it a cost-effective option for cardholders.

Simplicity: The card’s structure eliminates the need to navigate through different spending categories or deal with quarterly changes, offering a straightforward way to earn rewards on all purchases.

Balance Transfer Intro APR: The card typically offers a 0% introductory APR on balance transfers for a long period of 18 months, providing a potential benefit for those looking to transfer and manage existing credit card debt.

Cons

Foreign Transaction Fee: If you frequently travel internationally, it’s important to note that the card has foreign transaction fees, which may not be ideal for those who spend internationally.

Variable APR: The APR can be relatively high, especially if you have less-than-excellent credit, so it’s important to consider this if you carry a balance.

Is this the right card for you?

If you desire simple and direct cash back rewards without the burden of an annual fee, the Citi Double Cash Card is an obvious and advantageous choice. This card grants a $200 cash bonus following qualified spending and ensures a consistent 2% cash back on all purchases. Furthermore, it extends a 0% introductory APR on balance transfers for an extensive period of 18 months, providing a valuable opportunity to alleviate existing credit card debt.

Similar Rewards Credit Cards

If you are interested in the Citi Double Cash Card, it’s worth exploring a few other credit cards that offer comparable benefits.

2% Fixed Rate Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Wells Fargo Active Cash® Card	$200 cash rewards bonus after spending $500 in purchases in the first 3 months. Unlimited 2% cash rewards on purchases.	$0 rates & fees
	Bank of America® Unlimited Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Unlimited 1.5% cash back on all purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.	$0
	Fidelity® Rewards Visa Signature® Credit Card	Unlimited 2% cash back on everyday spending.	$0
	TD Double Up℠ Credit Card	$100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening Unlimited 2% Cash Back on all eligible purchases	$0

No-Annual-Fee Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Wells Fargo Autograph℠ Card	20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. Unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.	$0 rates & fees
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Bank of America® Travel Rewards credit card	Unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.	$0
	Bank of America® Customized Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.	$0
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.	$0 rates & fees
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 (fees)
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	USAA Preferred Cash Rewards Credit Card	Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.	$0 (fees)

0% APR Balance Transfer Credit Cards

Credit Card		0% APR	Annual Fee
	Wells Fargo Reflect® Card	0% on purchases and qualifying balance transfers for 21 months from account opening (rates & fees)	$0
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on qualifying balance transfers for 21 months (rates & fees)	$0
	USAA Rate Advantage Credit Card	0% on balance transfers for 15 months (rates & fees)	$0 (fees)
	Mastercard® Titanium Card™	0% on balance transfers made in the first 45 days for 15 billing cycles	$195 ($95 for each authorized user added to the account)

The post Citi Double Cash® Card Review – $200 Bonus and Straight 2% Cash Back on All Purchases appeared first on CardBenefit.

Overview

If you like earning steady cash rewards, look no further than Wells Fargo Active Cash^® Card. It is a no-annual-fee credit card that awards cardholders unlimited 2% cash back on all purchases. There is no spending category restrictions or sign ups for rotating categories. Your cash rewards won’t expire as long as your account remains open. In addition, Wells Fargo Active Cash Card gives out a $200 cash rewards bonus after qualifying purchases. It also lets you enjoy 0% interest on purchases and qualifying balance transfers for 15 months from account opening.

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Wells Fargo Active Cash^® Card

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don’t expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Intro APR

0% on Purchases and qualifying Balance Transfers

Intro APR Period

15 months from account opening

Annual Fee (rates & fees)

$0

Credit Needed

Good / Excellent

Card Benefits

$200 Cash Rewards Bonus

Cardholders of Wells Fargo Active Cash Card can earn $200 cash rewards bonus after spending $500 on purchases in the first 3 months. Earning the $200 cash rewards bonus is like getting a 40% discount on your first $500 in purchases. It is an easy way to put more cash back in your pocket.

Cash Rewards

In addition to the welcome bonus, you will earn cash back rewards everywhere you go. Wells Fargo Active Cash Card pays you unlimited 2% flat cash back on purchases. For your cash rewards, there are no rotating spending categories to keep track of and your rewards never expire. You can redeem cash rewards for paper checks, statement credits, or deposits to your eligible Wells Fargo checking or savings accounts.

How to Redeem Wells Fargo Active Cash Rewards

Wells Fargo Active Cash Card offers a versatile rewards redemption system, allowing cardholders to use their cash rewards in various ways, such as statement credits, gift cards, and travel. To redeem rewards, simply log in to your Wells Fargo credit card account online and navigate to the “Wells Fargo Rewards” link.

For statement credits, you can redeem your rewards up to the balance available. These credits can be applied to a Wells Fargo account of your choice, including your credit card, checking account, or mortgage. Similarly, when using rewards for purchases like flights, hotels, or merchandise, you can apply the full amount of your cash rewards.

Another option is redeeming rewards for gift cards from popular stores like Amazon, Apple, Home Depot, available in increments of $25. Occasionally, Wells Fargo may offer limited-time promotions, providing a 10% discount on select gift cards. For instance, if you have $22.50 in cash rewards, you can redeem it for a $25 gift card. As of November 2023, various shopping gift cards, including Apple, Home Depot, Macy’s, and McDonald’s, are available at a 10% discount.

To illustrate, if you have $1,137.22 in Wells Fargo cash rewards, you can choose to redeem the full amount for $1,137.22 in statement credits. Alternatively, if you opt for gift cards, you could redeem for $1,125 in gift cards, leaving $12.22 in your account. However, with the 10% discount on select gift cards, you can receive $1,250 in gift cards by using only $1,125, while still retaining the remaining $12.22. This rewards flexibility provides cardholders with options to maximize the value of their cash rewards.

0% Introductory APR

0% Interest for 15 Months

Wells Fargo Active Cash Card lets you have 0% interest on purchases and qualifying balance transfers for 15 months from account opening. After the introductory period, the go-to rate of 20.24%, 25.24%, or 29.99% Variable applies.

With the 0% intro APR on purchases, you can charge expensive purchases to the card now and pay off the balance 15 months later. As long as you make minimum payments shown on your credit-card statements every month, you will not have to pay any interest or fees for 15 months.

Furthermore, you can have 0% interest on balance transfers, which allows you to transfer existing balance of other credit cards to your Wells Fargo Active Cash Card. In this way, you can save money on interest fees by paying off current credit-card balance. And you can then pay no interest for 15 months on the Wells Fargo Active Cash Card.

Savings on Balance Transfers

For each balance transfer, there is a one-time transaction fee. If you transfer balances within 120 days from account opening, the introductory balance transfer fee is 3% of the amount of each balance transfer, with a minimum fee of $5. After the 120-day introductory period, you pay up to 5% for each balance transfer, with a minimum of $5. The balance transfer fees of Wells Fargo Active Cash Card are among the lowest of balance-transfer credit cards.

For instance, if you carry a balance of $10,000 on a credit card that has an interest rate of 25%, you can sign up for a Wells Fargo Active Cash Card to request a balance transfer to save about $2,825. The potential interest fees on the current credit-card balance is about $3,125 for 15 months. And the transaction cost is $300 for the balance transfer in the first 120 days. Therefore, the net savings is about $2,825. You can use our balance transfer calculator to find out how much you can save on balance transfers.

Additional Perks

Complimentary Cellular Telephone Protection

Cardholders can enjoy complimentary Cellular Telephone Protection provided by Wells Fargo, which reimburses account holders for damage to or theft of cell phones. Just use your Wells Fargo Active Cash Card to pay monthly cell phone bills, and you will get up to $600 of protection against covered damage or theft. It reimburses you for the cost of the repair or replacement of your original cell phone. You have a maximum benefit limit of $600 per claim, less a $25 deductible, and $1,200 per 12 month period.

24/7 Visa Signature Concierge service

Wells Fargo Active Cash Card offers a valuable perk with its 24/7 Visa Signature Concierge service. This feature allows cardholders to access a range of services for various needs. Whether you’re in search of tickets for top-tier sports and entertainment events, organizing travel plans, or making reservations for dinner, the concierge service is available to simplify these tasks and more. With this offering, cardholders can enjoy the convenience of a dedicated service ready to assist them around the clock, enhancing their overall experience with the Wells Fargo Active Cash Card.

Free FICO Score

Wells Fargo Active Cash Card offers an additional benefit with its complimentary Credit Close-Up tool. This resource empowers cardholders by providing the tools needed to understand and track their FICO Score. Upon enrollment, individuals gain access to monthly updates of their FICO Score, along with personalized insights into their credit. Notably, this valuable service comes at no cost for Wells Fargo Online customers, and using it does not adversely affect one’s credit score. This feature enhances the cardholder experience by promoting financial awareness and informed credit management.

Fees

Wells Fargo Active Cash Card has no annual fee, which means there is no cost to keep the card. But for purchases that you make when you travel abroad, there are 3% foreign transaction fees. It is typical for no-annual-fee credit cards to have 3% surcharges on foreign purchases.

Required Credit Rating

Wells Fargo Active Cash Card is for people with good or excellent credit profile. If your credit score is above 700, you may qualify for the credit card.

Is this the right card for you?

Wells Fargo Active Cash Card is best for people who prefer straight cashback without dealing with spending categories. It lets you earn 2% straightforward cash rewards on all purchases, including gasoline, grocery, travel, dining, utilities, and more. It offers a nice bounty of $200 cash rewards bonus after a mere $500 is spent on purchases in the first 3 months. Furthermore, Wells Fargo Active Cash Card has no annual fee and features 0% introductory interest. In addition, you will receive free Cellular Telephone Protection of up to $600 per claim for damaged or stolen cell phones. You will also have access to 24/7 Visa Signature Concierge and free FICO scores as additional perks. In conclusion, these benefits make Wells Fargo Active Cash Card an ideal cash back credit card to use for everyday purchases.

Similar Credit Cards

If you are interested in the Wells Fargo Active Cash Card, you may consider a few other credit cards with similar benefits.

Cash Back Credit Cards

Credit Card		Cash Rewards	Annual Fee
	Citi Double Cash® Card	2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.	$0 rates & fees
	Bank of America® Customized Cash Rewards credit card	3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.	$0
	Citi Custom Cash® Card	5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.	$0 rates & fees
	Bank of America® Unlimited Cash Rewards credit card	Unlimited 1.5% cash back on all purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.	$0
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

Bonus Rewards

Credit Card		Credit Card Bonus	Annual Fee
	Wells Fargo Autograph℠ Card	20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.	$0 rates & fees
	Citi Premier® Card	60,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.	$95 rates & fees
	Bank of America® Premium Rewards® credit card	Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.	$95
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel.	$95
	Bank of America® Travel Rewards credit card	25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.	$0

0% Interest Credit Cards

Credit Card		0% Introductory Interest	Annual Fee
	Wells Fargo Reflect® Card	0% on purchases and qualifying balance transfers for 21 months from account opening (rates & fees)	$0
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on qualifying balance transfers for 21 months (rates & fees)	$0
	Citi Rewards+® Card	0% on purchases and balance transfers for 15 months (rates & fees)	$0

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Overview

Citi Custom Cash^® Card, issued by our partner Citibank, is a cash back credit card that rewards you 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. There are no rotating bonus categories to sign up for. Citi Custom Cash Card also offers a $200 sign-up bonus and has no annual fee.

Apply Now

Citi Custom Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel^℠ portal through 6/30/2025.
• No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash^® Card account per person.

Intro APR

0% on Purchases and Balance Transfers

Intro APR Period

15 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good, Fair

Card Benefits

$200 Cash Back Bonus Offer

With Citi Custom Cash Card, new cardholders can earn a welcome bonus of $200 cash just for using the card to pay for purchases of $1,500 or more in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. Earning the $200 bonus cash is like receiving a 13.3% rebate on your first $1,500 in purchases.

Rewards Program

You will earn cash back rewards everywhere you go. The card pays you 5% cash back for each dollar, up to the first $500, in your highest spending category each billing cycle. After the first $500 spent in that category during the billing cycle, you will earn 1% cash back for each additional dollar you spend. Eligible spending categories include the following: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. For all other purchases, you will earn unlimited 1% cash back for each dollar you spend on purchases. You don’t need to sign up for any rotating bonus rewards categories. As your spending changes each billing cycle, your cash rewards adjusts automatically when you spend in any of the eligible categories.

For example, if you spend $6,000 on purchases that qualify for 5% cash back, and $4,000 on everything else in a year, you will receive $340 cash rewards for the year. You can use our cash back calculator to find out how much cash rewards you may receive.

0% Interest for 15 Months

Citi Custom Cash Card lets you have 0% interest on purchases and balance transfers for 15 months. After the introductory period, the go-to rate of 19.24% - 29.24% (variable) applies.

With 0% intro APR on purchases, you can charge expensive purchases to the card now and pay off the balance 15 months later. As long as you make minimum payments shown on your credit-card statements every month, you will not need to pay any interest or fees for 15 months.

Furthermore, you can have 0% interest on balance transfers, which allows you to transfer existing balance of other credit cards to your new Citi Custom Cash Card. In this way, you can save money on interest fees by paying off current credit-card balance now and then paying no interest for 15 months on the Citi Custom Cash Card.

Interest and Fees

Citi Custom Cash Card carries no annual fee. You can earn cash back rewards without worrying about paying an annual fee to keep the card.

Required Credit Rating

The Citi Custom Cash Card is for people with excellent, good, or fair credit profile.

Is this the right card for you?

With no annual fee and an easy-to-understand rewards structure, Citi Custom Cash Card is a great payment card that is best for people who want to get more cash back on the things you buy every day. On top of the new account bonus of $200, you can earn up to 5% cash back on the purchases that you make most frequently.

Similar Rewards Credit Cards

If you are interested in Citi Custom Cash Card, you may also consider a few other credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Wells Fargo Active Cash® Card	$200 cash rewards bonus after spending $500 in purchases in the first 3 months. Unlimited 2% cash rewards on purchases.	$0 rates & fees
	Bank of America® Customized Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.	$0
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.	$0 rates & fees
	Bank of America® Unlimited Cash Rewards credit card	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Unlimited 1.5% cash back on all purchases. If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.	$0
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 (fees)

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