Cash-Back Maximizer

No.003 Mainstream

Chase Freedom Unlimited

Chase・Visa

🎁 Extra 1.5% cash back on everything in year one

Annual fee No fee Foreign transaction fee 3%

• 1.5% on all purchases
• 3x dining & drugstores
• Pairs with Sapphire to convert cash into points

✓ Verified

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No.004 Mainstream

Chase Freedom Flex

Chase・Mastercard

🎁 $200 (spend $500 in 3 months)

Annual fee No fee Foreign transaction fee 3%

• 5% rotating quarterly categories
• 3x dining & drugstores
• No annual fee

✓ Verified

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No.005 Starter

Chase Freedom Rise

Chase・Visa

🎁 $25 bonus (set up autopay)

Annual fee No fee Foreign transaction fee 3%

• 1.5% on all purchases
• Friendly to credit newcomers
• Easier approval with a Chase account

✓ VerifiedStudent OK

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No.010 Mainstream

Blue Cash Preferred

Amex・Amex

🎁 $250 (spend $3,000 in 6 months)

Annual fee $95/yr Foreign transaction fee 3%

• 6% U.S. supermarkets (up to cap)
• 6% select streaming
• 3% gas & transit

✓ VerifiedNo SSN

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No.011 Mainstream

Blue Cash Everyday

Amex・Amex

🎁 $200 (spend $2,000 in 6 months)

Annual fee No fee Foreign transaction fee 3%

• 3% U.S. supermarkets
• 3% gas
• 3% U.S. online retail

✓ VerifiedNo SSN

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No.015 Mainstream

Citi Double Cash

Citi・Mastercard

🎁 $200 (spend $1,500 in 6 months)

Annual fee No fee Foreign transaction fee 3%

• 2% on everything (1% + 1%)
• No annual fee
• Convertible to ThankYou points

✓ Verified

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No.016 Mainstream

Citi Custom Cash

Citi・Mastercard

🎁 $200 (spend $1,500 in 6 months)

Annual fee No fee Foreign transaction fee 3%

• Automatic 5% on your top category ($500 cap)
• No annual fee
• Auto-detects — nothing to activate

✓ Verified

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No.020 Mainstream

Capital One Savor

Capital One・Mastercard

🎁 $200 (spend $500 in 3 months)

Annual fee No fee Foreign transaction fee None

• 3% dining, entertainment & grocery
• 3% streaming
• No annual fee, no FTF

✓ VerifiedNone FTFStudent OK

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No.021 Mainstream

Capital One Quicksilver

Capital One・Mastercard

🎁 $200 (spend $500 in 3 months)

Annual fee No fee Foreign transaction fee None

• 1.5% on all purchases
• No annual fee, no FTF
• Approachable for fair credit

✓ VerifiedNone FTFStudent OK

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No.023 Rebuild

Quicksilver Secured

Capital One・Mastercard

🎁 No bonus (deposit from $200)

Annual fee No fee Foreign transaction fee None

• 1.5% rewards even on a secured card
• Upgrade path to refund the deposit
• No annual fee

✓ VerifiedNone FTFSecured

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No.024 Mainstream

Discover it Cash Back

Discover・Discover

🎁 First-year Cashback Match (doubles all rewards)

Annual fee No fee Foreign transaction fee None

• 5% rotating quarterly categories
• All year-one rewards doubled
• No annual fee, no FTF

✓ VerifiedNone FTF

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No.025 Starter

Discover it Student

Discover・Discover

🎁 First-year Cashback Match

Annual fee No fee Foreign transaction fee None

• No credit history required for students
• 5% rotating categories
• No annual fee

✓ VerifiedNone FTFStudent OK

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No.026 Rebuild

Discover it Secured

Discover・Discover

🎁 First-year Cashback Match (deposit from $200)

Annual fee No fee Foreign transaction fee None

• 2% gas & dining
• Automatic deposit-refund review after 7 months
• No annual fee

✓ VerifiedNone FTFSecured

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No.027 Mainstream

BofA Customized Cash

Bank of America・Visa

🎁 $200 (spend $1,000 in 90 days)

Annual fee No fee Foreign transaction fee 3%

• 3% in a category you choose
• 2% grocery
• Up to 75% boost with BofA assets

✓ Verified

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No.028 Mainstream

BofA Premium Rewards

Bank of America・Visa

🎁 60,000 points = $600 (illustrative)

Annual fee $95/yr Foreign transaction fee None

• 2x travel & dining
• Up to 2.625% on everything with assets
• $100 airline incidental credit

✓ VerifiedNone FTF

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No.029 Mainstream

Wells Fargo Active Cash

Wells Fargo・Visa

🎁 $200 (spend $500 in 3 months)

Annual fee No fee Foreign transaction fee 3%

• 2% on all purchases
• No annual fee
• Lowest bonus spend threshold

✓ Verified

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No.032 Mainstream

U.S. Bank Cash+

U.S. Bank・Visa

🎁 $200 (spend $1,000 in 90 days)

Annual fee No fee Foreign transaction fee 3%

• Two 5% categories you choose (up to cap)
• 5% on utilities & internet
• No annual fee

✓ Verified

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No.034 Starter

Apple Card

Goldman Sachs・Mastercard

🎁 No fixed sign-up bonus

Annual fee No fee Foreign transaction fee None

• 2% via Apple Pay
• 3% on Apple products
• Best-in-class app experience

✓ VerifiedNone FTF

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No.035 Mainstream

Prime Visa

Chase・Visa

🎁 $100–200 Amazon gift card on approval

Annual fee No fee Foreign transaction fee None

• 5% Amazon & Whole Foods
• 2x dining & gas
• No annual fee (Prime required)

✓ VerifiedNone FTF

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No.036 Mainstream

Costco Anywhere Visa

Citi・Visa

🎁 No sign-up bonus

Annual fee No fee Foreign transaction fee None

• 4% gas
• 3% dining & travel
• 2% at Costco (membership required)

✓ VerifiedNone FTF

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No.043 Starter

American Airlines AAdvantage MileUp

Citi・Mastercard

🎁 10,000 miles + $50 statement credit (spend $500 in 3 months)

Annual fee No fee Foreign transaction fee 3%

• 2x miles at grocery stores
• 2x miles on eligible American Airlines purchases
• 25% off in-flight food & beverage

✓ Verified

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No.055 Starter

Deserve EDU Mastercard for Students

Deserve・Mastercard

🎁 No sign-up bonus (1% cash back on all purchases)

Annual fee No fee Foreign transaction fee None

• International students can apply with no SSN
• 1% cash back on everything
• One year of free Amazon Prime Student (illustrative)

✓ VerifiedNone FTFStudent OKNo SSN

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No.056 Mainstream

Petal 2 Cash Back No Fees Visa

WebBank・Visa

🎁 Up to 1.5% cash back after on-time payments (illustrative)

Annual fee No fee Foreign transaction fee None

• Approvable with no credit history via cash-flow underwriting
• 1% to 1.5% cash back on purchases
• No annual fee and no fees of any kind

✓ VerifiedNone FTF

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No.059 Starter

Capital One Quicksilver Student

Capital One・Mastercard

🎁 $50 (spend $100 in 3 months, illustrative)

Annual fee No fee Foreign transaction fee None

• 1.5% cash back on every purchase
• No annual fee and no foreign transaction fee
• Built for students building credit

✓ VerifiedNone FTFStudent OK

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No.060 Mainstream

SoFi Credit Card

SoFi・Mastercard

🎁 $200 (illustrative sign-up value)

Annual fee No fee Foreign transaction fee None

• 2% cash back when redeemed into SoFi accounts
• No annual fee and no foreign transaction fee
• Rewards boost within the SoFi ecosystem

✓ VerifiedNone FTF

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No.061 Mainstream

PayPal Cashback Mastercard

Synchrony・Mastercard

🎁 No fixed sign-up bonus

Annual fee No fee Foreign transaction fee 3%

• 3% cash back on PayPal checkout
• 1.5% cash back on everything else
• No annual fee

✓ Verified

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No.062 Mainstream

Venmo Credit Card

Synchrony・Visa

🎁 No fixed sign-up bonus

Annual fee No fee Foreign transaction fee None

• 3% on your top spend category automatically
• 2% on your second category
• No annual fee, managed in the Venmo app

✓ VerifiedNone FTF

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No.063 Elite

Robinhood Gold Card

Robinhood・Visa

🎁 No fixed sign-up bonus (Robinhood Gold required)

Annual fee No fee Foreign transaction fee 3%

• 3% cash back on everything
• 5% on travel booked in the Robinhood portal
• No annual fee on the card itself

✓ Verified

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No.064 Mainstream

Fidelity Rewards Visa Signature

Elan Financial・Visa

🎁 $150 (illustrative) deposited into a Fidelity account

Annual fee No fee Foreign transaction fee None

• 2% cash back deposited into a Fidelity brokerage account
• No annual fee
• Simple flat rate that funds your investments

✓ VerifiedNone FTF

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No.065 Starter

Upgrade Cash Rewards Visa

Upgrade・Visa

🎁 $200 (illustrative) after opening a rewards checking account

Annual fee No fee Foreign transaction fee 3%

• 1.5% cash back when you make a payment
• Accessible to fair credit
• Hybrid card and installment-loan structure

✓ Verified

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No.067 Mainstream

Navy Federal cashRewards

Navy Federal・Visa

🎁 $200 (spend $2,000 in 90 days)

Annual fee No fee Foreign transaction fee None

• 1.75% flat cash back with direct deposit, 1.5% otherwise
• No annual fee, no foreign transaction fee
• Requires Navy Federal membership (military-affiliated)

✓ VerifiedNone FTF

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No.068 Mainstream

Navy Federal More Rewards American Express

Navy Federal・Amex

🎁 25,000 points = $250 (spend $3,000 in 90 days)

Annual fee No fee Foreign transaction fee None

• 3x groceries, gas, dining & transit
• No annual fee, no foreign transaction fee
• Requires Navy Federal membership (military-affiliated)

✓ VerifiedNone FTF

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No.069 Mainstream

PenFed Power Cash Rewards

PenFed・Visa

🎁 $100 (spend $1,500 in 90 days)

Annual fee No fee Foreign transaction fee None

• 2% flat cash back with Honors Advantage, 1.5% otherwise
• No annual fee
• Requires PenFed credit-union membership (open to all)

✓ VerifiedNone FTF

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No.071 Mainstream

USAA Preferred Cash Rewards

USAA・Visa

🎁 $200 (spend $1,000 in 90 days)

Annual fee No fee Foreign transaction fee None

• 1.5% flat cash back on all purchases
• No annual fee
• Requires USAA membership (military & families)

✓ VerifiedNone FTF

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No.073 Mainstream

American Express EveryDay

Amex・Amex

🎁 10,000 MR points (spend $2,000 in 6 months)

Annual fee No fee Foreign transaction fee 3%

• 2x U.S. supermarkets (up to cap)
• 20% bonus points when you use it 20+ times a month
• No annual fee; accepts foreign credit via Nova Credit

✓ VerifiedNo SSN

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No.075 Mainstream

Citi Rewards+

Citi・Mastercard

🎁 20,000 ThankYou points (spend $1,500 in 3 months)

Annual fee No fee Foreign transaction fee 3%

• 2x supermarkets & gas (up to cap)
• Rounds every purchase up to the nearest 10 points
• 10% points back on redemptions, up to 100k a year

✓ Verified

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No.078 Mainstream

Bank of America Travel Rewards

Bank of America・Visa

🎁 25,000 points = $250 in travel (spend $1,000 in 90 days)

Annual fee No fee Foreign transaction fee None

• 1.5x points on all purchases
• No annual fee, no foreign transaction fee
• Up to 2.625x with Preferred Rewards Platinum Honors status

✓ VerifiedNone FTF

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