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

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

An Overview

Wells Fargo Cash Wise Visa® Card Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
Sign-up Bonus Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards Structure Earn unlimited 1.5% cash rewards on purchases. Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening Earn unlimited 1.5% cash back on every purchase, every day
Additional Perks Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
Interest Rate 0% Intro APR for 12 months on purchases and balance transfers, then a 14.74%-26.74% variable APR; balance transfer fees apply 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
Annual Fee $0 $0

 

Enrollment Bonus

When you sign up for any of the above three credit cards, you’re automatically eligible to earn a cash back bonus just for using your card. For Wells Fargo Cash Wise Visa Credit Card, you can earn a bonus cash rewards of $200 if you spend $1,000 or more in net purchases in the first 3 months. For Capital One Quicksilver Card- 0% Intro APR for 15 Months, you will get an extra $150 cash bonus if you make $500 in purchases in the first three months.

Earning Cash Back

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

The Capital One Quicksilver Card- 0% Intro APR for 15 Months gives you a solid 1.5% cash back on everything you purchase, and comes with no annual fee, no foreign transaction fee.

Additional Card Perks

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

As for the Capital One Quicksilver Card- 0% Intro APR for 15 Months, you can take advantage of its free credit track tool to easily monitor your monthly credit score anytime, anywhere.

APR and Fees

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

Capital One QuickSilver Cash Rewards Card charges no annual fee and no foreign transaction fee. It offers 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months. Pay no annual fee or foreign transaction fees.

How to maximize your savings

If you like straightforward rewards on all purchases, the Wells Fargo Cash Wise Visa Credit Card can definitely maximize your savings along with the bonus offer of $200 cash. The Capital One Quicksilver Card- 0% Intro APR for 15 Months is obviously a great all-around choice and since it has no foreign transaction fee, it is a great card for traveling abroad.

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

0% intro APR
for 12 months

14.74% - 26.74% (Variable) APR after that

0% intro APR
for 12 months

14.74% - 26.74% (Variable) APR after that

$0

Good / Excellent CreditLearn MoreView Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.74%-26.74% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

0% intro APR
for 15 months

14.74% - 24.74% (Variable) APR

0% intro APR
for 15 months

14.74% - 24.74% (Variable) APR

$0

Excellent, Good CreditLearn MoreView Card Details
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.74%-26.74% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Click here for more details on Wells Fargo Cash Wise Visa® Card
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • Click here for more details on Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
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