For travelers, hotel nights may cost more than flights. You may need to pay hundreds of dollars per night to stay in expensive neighborhoods such as Manhattan New York. A few nights in upscale hotels on an extended travel adventure can easily rack up your expenses by thousands of dollars. Luckily, you can earn 10% back on your hotel accommodations if you use the right travel credit cards to book hotels. Citibank, our partner, is running a limited time offer on its Citi Premier^® Card to give cardholders an opportunity to earn 10% back on hotel, car rentals, and attractions.

How to Earn 10% Back Automatically

To earn 10% back, you need to sign up for Citi Premier Card. When you use the credit card to book hotels, car rentals, and attractions, simply go to Citi Travel portal to make reservations. You will receive 10 ThankYou Points per dollar on your reservations. Your reward miles can be redeemed for cash rewards or statement credit.

Apply Now

Citi Premier^® Card

• Earn 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.
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou^® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Excellent, Good

Conclusion

Taking 10% discount off expensive hotel nights on your trips does not require any special coupons. If you have the Citi Premier Card, you can automatically save 10% on hotel reservations made at the Citi Travel portal. In addition, you can enjoy a generous sign-up bonus, unlimited rewards on all purchases, and the benefits of paying no foreign transaction fees on your purchases overseas.

Alternative Hotel Cards or Travel Credit Cards

Alternatively, you may use one of the following hotel cards or travel credit cards to save on hotel bookings.

Hotel Cards

Credit Card		Bonus and Rewards	Annual Fee
	Hilton Honors American Express Card	80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. 3X Points for all other eligible purchases on your Card.	$0 (fees)
	Hilton Honors American Express Surpass® Card	130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass Card in your first 6 months of Card Membership. 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.	$150 (fees)
	The Hilton Honors American Express Business Card	Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5. 12X Hilton Honors Bonus Points on eligible Hilton purchases. ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.	$195 (fees)
	World of Hyatt Business Credit Card	60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member 1 Bonus Point per $1 spent on all other purchases.	$199
	IHG One Rewards Premier Business Credit Card	Limited Time offer! Earn up to 175,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening. 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases	$99
	IHG One Rewards Premier Credit Card	140,000 Bonus Points 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases	$99
	IHG One Rewards Traveler Credit Card	80,000 bonus points 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases	$0
	Marriott Bonvoy Business® American Express® Card	Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. Terms apply. 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program.	$125 (fees)

Travel 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	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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
	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
	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® 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 Reserve®	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel. 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases	$550

The post How to Earn 10% Back on Hotel Accommodations appeared first on CardBenefit.

Grow your credit history with responsible use of credit and on-time payments! Citi Double Cash Card is an unsecured card with $200 bonus and 2% cash rewards. It is the best card for people with fair credit ratings to earn cash rewards while building credit.

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

Alternative Credit Cards for Fair or Average Credit

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

Credit Card		Bonus and Rewards	Annual Fee
	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
	Capital One QuicksilverOne Cash Rewards Credit Card	Unlimited 1.5% cash back on every purchase, every day Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply	$39 (fees)
	First Latitude Select Mastercard® Secured Credit Card	1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.	$39.00
	Upgrade Cash Rewards Visa®	$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*	$0
	Upgrade Triple Cash Rewards Visa®	$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*	$0
	Capital One Quicksilver Student Cash Rewards Credit Card	Unlimited 1.5% cash back on every purchase, every day Early Spend Bonus: Earn $50 when you spend $100 in the first three months 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024	$0 (fees)

The post Best Credit Cards for People who have Limited or Fair Credit appeared first on CardBenefit.

Wells Fargo Active Cash Card offers unlimited 2% cash back on every purchase, including all online purchases. In addition, new cardholders can also receive a $200 cash bonus. Card members can also get up to $600 protection on cell phone against covered damage or theft. Citi Double Cash Card also offers unlimited 2% cash back on every purchase and a $200 sign-up bonus.

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

3%+ Cash Back on Purchases (with a quarterly or yearly limit)

Bank of America Customized Cash Rewards Card lets you earn 3% cash back on up to $2,500 quarterly online purchases. You may also be eligible for Preferred Rewards to receive 5.25% cash rewards. Blue Cash Everyday Card from Amex lets you earn 3% cash back on up to $6,000 online retail purchases annually.

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/furnishing 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)

Alternative Cash Back Credit Cards for Online Purchases

Credit Card		Bonus and Rewards	Annual Fee
	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
	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
	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
	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
	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 Best Cash Back Credit Cards for Online Purchases 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.

Apply Now

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	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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/furnishing 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

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Learn More

Valley Direct High Yield Savings

• Open a Valley Direct High Yield Savings account and get 4.75% APY
• Earn more than 10x the national average
• Quickly and securely open your account online
• No monthly maintenance fees
• FDIC insurance up to $250,000 per depositor, for each account ownership category
• Deposit products and services are offered by Valley National Bank.

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Credit cards allow you to borrow money up to a pre-set limit for your purchases or balance transfers. Card issuers will charge interest if you do not pay off your full statement balance by the payment deadline. You will be charged for late fees if you miss payment due dates. The convenience of using credit cards as a payment option comes with the potential cost of fees and interest. But if you use credit cards properly, you can save money in many ways.

1. Sign-up bonuses with new credit card accounts

Credit cards with rich bonus can let you earn substantial rewards in the first few months of account opening. Some Credit cards such as Ink Business Unlimited^® Credit Card and Ink Business Cash^® Credit Card are currently offering up to $750 bonus cash back after qualified spending. And some other credit cards offer $200 bonus cash back after $500 is spent on purchases within the first 3 months from account opening, which is a whopping 40% cash back on the first $500 charged to your credit card. See more credit cards that offer top-notch bonus.

2. Cash back or travel rewards

There are many cash back credit cards that give you cash rewards on your purchases. The cash rewards offered by different cards vary. In general, you can expect between 1% and 2% cash back on most purchases. You can receive higher cash rewards on select purchases. Sometimes credit card rewards are in the form of points or miles, which are redeemable for travel credit or shopping gift cards.

For example, Wells Fargo Active Cash^® Card offers 2% cash back on all purchases, along with $200 bonus cash back. And Bank of America^® Customized Cash Rewards credit card offers 3% cash back on purchases in the spending categories of your choice.

3. Buy now and pay later, with no interest cost

Credit cards with 0% introductory interest on purchases can help you save money. If you need to make a big purchase, 0% intro APR credit cards let you borrow money from the card issuer for an extended period of time without incurring any interest or fees. As long as you make the minimum payments every month and pay off the remaining balance before the end of the introductory period, you will not pay for any interest.

For example, Wells Fargo Reflect^® Card offers 0% Introductory APR for 21 billing cycles for purchases. If you use the card to make a purchase of $10,000, you can pay the monthly minimum payment for 21 months, which is usually around 1% of the account balance, and then pay off the remaining balance at the end of 21 billing cycles without incurring any interest fees.

4. Use balance transfers to minimize interest charges

Credit cards with 0% introductory APR on balance transfers can help you save money by allowing you to transfer high-interest balances to a 0 interest credit card to eliminate or minimize interest charges. For example, if you have $10,000 in credit card debt and are paying an interest rate of 20%, transferring balances to a 0% APR credit card for 18 months, such as Citi Double Cash^® Card, can provide substantial savings. You can save around $3,000 on interest charges over the next 18 months. If you are carrying a credit card balance each month, it is well worth your time and effort to apply for a credit card offering 0% intro APR on balance transfers.

5. Free membership of Global Entry and TSA Pre✓

For frequent flyers, getting stuck in the airport security lines means the unnecessary long wait. Sometimes the delay causes travelers to miss flights or connections. In such situations, the travelers have to change flight ticket and may need to stay in a nearby hotel overnight if the flight is scheduled for the next day.

The airport expedited screening programs of TSA Pre✓ and Global Entry can save travelers 20 to 30 minutes in most airports, which help you avoid the situation of missing flights. TSA Pre✓ provides expedited security screening benefits for flights departing from U.S. airports. Global Entry provides the TSA Pre✓ benefit plus expedited US customs screening for international air travelers when entering the United States. TSA Pre✓ costs $85 and Global Entry costs $100 for a five year membership.

A few travel credit cards, such as Chase Sapphire Reserve^® and IHG One Rewards Premier Credit Card, offer up to $100 Airport Security Statement Credit towards TSA Pre✓ or Global Entry Application fee.

6. Free checked bags

Many airlines charge $25 or $30 per bag on each leg, which means an additional cost of $50 or $60 per passenger on a round trip. The cost of baggage fees can add up quickly for a large travel group. Some airline credit cards let you check your first bag for free. United^℠ Explorer Card and United Quest^℠ Card offer its cardholders free checked bags on United flights.

7. Free access to airport lounges

Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a pleasant experience when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Some travel credit cards offer a complimentary Priority Pass Select membership, which is a prestigious membership program for travelers to visit airport VIP lounges. For example, Mastercard^® Gold Card™ offers complimentary Priority Pass Select membership, which is an instant savings of a few hundred dollars in value annually.

8. Free in-flight food, drinks, and WIFI

Some credit cards give you airline credit of $100 or $200 annually to pay for airline incidentals, such as in-flight drinks, refreshments and WIFI access. For example, Mastercard^® Gold Card™ offers $200 annual airline credit. Bank of America^® Premium Rewards^® credit card offers $100 annual airline credit.

9. Complimentary elite status of hotel membership

Hotel cards may offer complimentary elite status of hotel membership, which can be used to save you on a number of hotel amenities, such as complimentary breakfast, room upgrade, award nights, etc. You can also earn extra rewards points which can be redeemed for free hotel nights or merchandises.

10. Complimentary concierge services

Personal concierge services provide errand management and information research for private clients. Services include informational requests, making travel arrangements, booking tickets to special events or concerts, setting dinner reservations, making telephone calls, and more. The cost of using an independent personal concierge company can be quite expensive. A few premium credit cards offer complimentary concierge services. For example, Mastercard^® Gold Card™, Mastercard^® Titanium Card™, and Mastercard^® Titanium Card™ provide their cardholders with complimentary Luxury Card Concierge.

11. Complimentary car rental insurance

When you rent a card, you may need to buy car rental insurance. Buying such insurance services from the rental car company will add extra cost to your car rentals. Many credit cards offer complimentary insurance against damage to or theft of your rental cars. It will save you money on car rentals. For example, offers auto rental collision damage waiver as a complimentary service to its cardholders.

12. Save on the cost of foreign currency exchange

When you are traveling abroad, withdrawing cash from local ATMs and converting currency can cost extra. Many credit cards let you pay no foreign transaction fees for your purchases in foreign countries. For example, Capital One credit cards do not charge foreign transaction fees. In addition, some travel credit cards do not charge such fees either, such as Chase Sapphire Preferred^® Card, Bank of America^® Travel Rewards credit card. Wwhen you travel abroad, it is always a good idea to carry a credit card with no foreign transaction fees because it saves you money on purchases and it helps you avoid the hassle of converting currency.

13. Discounts on companion airfare

Some airline credit cards let you buy companion flight tickets at a discount, which saves you money on airfare if you fly with a companion.

14. Complimentary extended warranties

In-store extended warranties may cost too much and you may never have a chance to use the coverage. You are often better off declining to pay for such extended warranties because it can be a waste of money. Luckily, many credit cards offer extended warranty at no cost for their card members.

15. Complimentary price protection

Price protection is another common benefit provided by credit cards. If your purchase goes on sale after you buy, some credit cards may refund the difference. You just need to provide an ad proving the better price and submit the claim within the specified time limit of the price change.

16. Improve credit score and save on loans

Having a higher credit score can lower your costs on other loans, such as home mortgage, car loans, etc. Your credit-card payment activities affect your credit score. If you make payments on time to pay towards the balance on your credit card accounts, your responsible payments will improve your credit score. Having an excellent credit rating may qualify you for loans with lower interest rates, which will potentially save you thousands of dollars each year. If you have poor credit or have insufficient credit history, you may be ineligible for loans. Opening credit card accounts and making payments responsibly can be a good first step to establish credit history so that you can save a lot on loans. Sometimes you may have to start with secured credit cards to build credit, which may have low credit limit and may cost a little, but having an established credit history of good ratings will pay off over the long term.

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In January 2011, Discover Card introduced Discover More Card with a groundbreaking promotional balance transfer offer, providing new members with a remarkable 0% introductory APR on balance transfers for an astounding 24 months. This offer, initially available for over three months, set a historical record for the longest 0% balance transfer offer period. However, by late April 2011, the offer was modified to an 18-month 0% APR promotion. Despite subsequent developments in the credit card industry, the Discover More Card’s initial promotion still stands as a record holder for its extended 24-month period. While no other credit card has surpassed this record to date, several cards continue to offer appealing deals for individuals seeking to transfer high-interest balances.

How a Balance Transfer Works

Executing a balance transfer is a relatively straightforward procedure. When applying for a new credit card, you’ll need to furnish the account number and the sum you wish to transfer from your existing balance. Upon approval of your application, the new credit card issuer will initiate a payment to the other credit card company for the specified transferred amount. This process allows flexibility as you can choose to transfer the entirety or a portion of your balance. Moreover, it’s possible to consolidate balances from multiple cards in a single transfer. Opting for a card with a 0% APR on transfers means you won’t incur any interest charges on the transferred amount until the promotional period concludes.

When a Balance Transfer Makes Sense

Balance transfers can be a smart strategy to cut down on interest expenses, especially when dealing with a substantial balance carrying a high interest rate or if you’re unable to pay off your credit card in full each month. When contemplating a balance transfer, it’s crucial to assess various factors, such as the prevailing interest rate on your current card, the interest rate offered by the new card, annual fees associated with both cards, and the balance transfer fee.

Typically ranging from three to five percent of the transferred balance, balance transfer fees may have a cap once a certain limit is reached. For instance, transferring a $1,000 balance with a 3% transfer fee would incur a $30 cost to move the balance to another card. It’s important to note that even if the new card provides a 0% interest rate, the savings in interest might be partially offset by the transfer fee. Therefore, a comprehensive evaluation of these factors is essential to determine the overall financial benefit of a balance transfer.

Best 0% Balance Transfer Offers

As of the latest available information, the longest 0% balance transfer period currently offered is 21 months. Balance transfer credit cards with 0% APR introductory periods generally range between 12 and 21 months. Several cards are currently featuring top 0% balance transfer promotions along with additional attractive benefits.

0% Interest on Transfers for 21 Months

Credit Card		Bonus, 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

0% Interest on Transfers for 18 Months

Credit Card		Bonus, 0% Introductory Interest	Annual Fee
	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. 0% on balance transfers for 18 months (rates & fees)	$0

0% Interest on Transfers for 15 Months

Credit Card		Bonus, 0% Introductory Interest	Annual Fee
	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% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies.	$0
	Wells Fargo Active Cash® Card	$200 cash rewards bonus after spending $500 in purchases in the first 3 months. 0% on purchases and qualifying balance transfers for 15 months from account opening (rates & fees)	$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. 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies.	$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. 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies.	$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. 0% on purchases and balance transfers for 15 months (rates & fees)	$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 0% on purchases and balance transfers for 15 months (rates & fees)	$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! 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 20.49% - 29.24% variable applies.	$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. 0% on purchases and balance transfers for 15 months (rates & fees)	$0 (fees)
	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)
	Mastercard® Black Card™	0% on balance transfers made in the first 45 days for 15 billing cycles	$495 ($195 for each authorized user added to the account)
	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 0% on balance transfers for 15 months	$0

Conclusion

Discover set the bar for other credit card issuers with their 24-month 0% balance transfer promotion. While it remains to be seen if another card will do the same, you can still save on interest when you take advantage of the great 0% APR balance transfer deals that are are out there.

The post The Longest Period of 0% Intro Balance Transfer Offer appeared first on CardBenefit.

0% interest credit cards offer a valuable financial tool, particularly when it comes to managing existing debt or making substantial purchases. The 0% introductory interest rate provides a window where you can borrow money without incurring additional interest or fees, given you meet the minimum monthly payment requirements. This strategic approach allows individuals to address their financial needs more effectively, offering a temporary period of relief from the typical costs associated with borrowing money.

Check out the following credit cards offering 0% APR, sorted by the length of introductory periods.

0% Interest for 21 Months

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

0% Interest for 18 Months

Credit Card		0% Introductory Interest	Annual Fee
	Citi Double Cash® Card	0% on balance transfers for 18 months (rates & fees)	$0

0% Interest for 15 Months

Credit Card		0% Introductory Interest	Annual Fee
	Bank of America® Travel Rewards credit card	0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies.	$0
	Bank of America® Unlimited Cash Rewards credit card	0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies.	$0
	Bank of America® Customized Cash Rewards credit card	0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies.	$0
	Citi Custom Cash® Card	0% on purchases and balance transfers for 15 months (rates & fees)	$0
	Wells Fargo Active Cash® Card	0% on purchases and qualifying balance transfers for 15 months from account opening (rates & fees)	$0
	Citi Rewards+® Card	0% on purchases and balance transfers for 15 months (rates & fees)	$0
	Chase Freedom Unlimited®	0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 20.49% - 29.24% variable applies.	$0
	Blue Cash Everyday® Card from American Express	0% on purchases and balance transfers for 15 months (rates & fees)	$0 (fees)
	USAA Preferred Cash Rewards Credit Card	0% on purchases for 15 months (rates & fees)	$0 (fees)
	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)
	Mastercard® Black Card™	0% on balance transfers made in the first 45 days for 15 billing cycles	$495 ($195 for each authorized user added to the account)

0% Interest for 12 Months

Credit Card		0% Introductory Interest	Annual Fee
	Wells Fargo Autograph℠ Card	0% on purchases for 12 months from account opening (rates & fees)	$0
	Blue Cash Preferred® Card from American Express	0% on purchases for 12 months (rates & fees)	$0 intro annual fee for the first year, then $95. (fees)

Small Business Cards with 0% Interest for 12 Months

Credit Card		0% Introductory Interest	Annual Fee
	Ink Business Cash® Credit Card	0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies.	$0
	Ink Business Unlimited® Credit Card	0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies.	$0

The post Best 0% APR Credit Cards of 2024 appeared first on CardBenefit.

No-annual-fee credit cards offer several advantages that make them appealing to a wide range of consumers. Here are some key advantages of choosing a credit card with no annual fee:

Cost Savings: The most obvious benefit is that you won’t have to pay an annual fee to use the credit card. This can result in significant cost savings over time, especially for individuals who don’t use credit cards frequently or extensively.

Accessible for All Credit Levels: No-annual-fee cards are often more accessible to individuals with various credit levels, including those who are building or repairing their credit. These cards may have fewer stringent eligibility requirements compared to premium cards with annual fees.

Simple and Straightforward: No-annual-fee cards are straightforward, with fewer costs to consider. There are no hidden fees related to annual membership, making it easier for cardholders to understand and manage their expenses.

Ideal for Infrequent Card Users: If you use a credit card infrequently or primarily for emergencies, a no-annual-fee card can be a cost-effective option. You won’t incur charges simply for holding the card.

Introductory Offers: Some no-annual-fee cards still come with introductory offers, such as 0% APR for a certain period or rewards programs. This allows users to benefit from perks without the commitment of an annual fee.

Building Credit History: For individuals looking to or establish or improve their credit history, no-annual-fee cards can provide an entry point into the world of credit without the burden of an annual fee.

Backup Card: Having a no-annual-fee card as a backup can be convenient. Even if you primarily use another card, a no-annual-fee card can serve as a spare in case of emergencies or situations where your primary card may not be accepted.

List of Credit Cards with No Annual Fee

Here is a list of available personal credit cards that have no annual fee:

Citi Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	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% on purchases and balance transfers for 15 months (rates & fees)	$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% on purchases and balance transfers for 15 months (rates & fees)	$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% on balance transfers for 18 months (rates & fees)	$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 No foreign transaction fees	$0 rates & fees
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on qualifying balance transfers for 21 months (rates & fees)	$0

Wells Fargo Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	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. Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible. Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge. 0% on purchases for 12 months from account opening (rates & fees)	$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. 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. 0% on purchases and qualifying balance transfers for 15 months from account opening (rates & fees)	$0
	Wells Fargo Reflect® Card	Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible. 0% on purchases and qualifying balance transfers for 21 months from account opening (rates & fees)	$0

Bank of America Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	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% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies.	$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/furnishing 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% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies.	$0
	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. No foreign transaction fees 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% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 18.24% - 28.24% variable applies.	$0

Chase Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	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% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 20.49% - 29.24% variable applies.	$0
	United Gateway℠ Card	20,000 bonus miles 2 miles per $1 spent on United purchases, at gas stations and on local transit and commuting 1 mile per $1 spent on all other purchases 0% on purchases for 12 months. After the intro period ends, the go-to rate of 21.99% - 28.99% variable applies.	$0
	IHG One Rewards Traveler Credit Card	80,000 bonus points 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases No foreign transaction fees	$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% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies.	$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% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies.	$0

American Express Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	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 Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X Membership Rewards points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.	$0 (fees)
	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% on purchases and balance transfers for 15 months (rates & fees)	$0 (fees)
	Hilton Honors American Express Card	80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. 3X Points for all other eligible purchases on your Card. No foreign transaction fees	$0 (fees)
	Delta SkyMiles® Blue American Express Card	10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. 2X Miles per dollar spent on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and 1X Mile on all other eligible purchases. No foreign transaction fees	$0 (fees)

USAA Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	USAA Preferred Cash Rewards Credit Card	Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back. No foreign transaction fees 0% on purchases for 15 months (rates & fees)	$0 (fees)
	USAA Rate Advantage Credit Card	No foreign transaction fees 0% on balance transfers for 15 months (rates & fees)	$0 (fees)

Additional Credit Cards with No Annual Fee

In addition to the above offers, many other no-annual-fee credit cards feature excellent rewards too.

>> Click here to see more credit cards with no annual fee <<

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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 18.24% - 28.24% 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 18.24% - 28.24% 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	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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/furnishing 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)

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