ChaseMainstream
•••• •••• •••• 7291
Chase Freedom UnlimitedVISA
ChaseMainstream
•••• •••• •••• 7276
Chase Freedom FlexMastercard
ChaseStarter
•••• •••• •••• 7288
Chase Freedom RiseVISA
$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
AmexMainstream
•••• •••• •••• 6098
Blue Cash PreferredAMEX
$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 OK
AmexMainstream
•••• •••• •••• 6087
Blue Cash EverydayAMEX
CitiMainstream
•••• •••• •••• 3309
Citi Double CashMastercard
$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
CitiMainstream
•••• •••• •••• 3276
Citi Custom CashMastercard
$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
Capital OneMainstream
•••• •••• •••• 3312
Capital One SavorMastercard
$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
Capital OneMainstream
•••• •••• •••• 3751
Capital One QuicksilverMastercard
$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
Capital OneRebuild
•••• •••• •••• 7821
Quicksilver SecuredMastercard
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
DiscoverMainstream
•••• •••• •••• 6713
Discover it Cash BackDiscover
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
DiscoverStarter
•••• •••• •••• 3059
Discover it StudentDiscover
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
DiscoverRebuild
•••• •••• •••• 2359
Discover it SecuredDiscover
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
Bank of AmericaMainstream
•••• •••• •••• 5493
BofA Customized CashVISA
$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
Bank of AmericaMainstream
•••• •••• •••• 5937
BofA Premium RewardsVISA
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
Wells FargoMainstream
•••• •••• •••• 8142
Wells Fargo Active CashVISA
$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
U.S. BankMainstream
•••• •••• •••• 3874
U.S. Bank Cash+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
Goldman SachsStarter
•••• •••• •••• 2465
Apple CardMastercard
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
ChaseMainstream
•••• •••• •••• 7400
Prime VisaVISA
$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
CitiMainstream
•••• •••• •••• 2856
Costco Anywhere VisaVISA
No sign-up bonus
Annual fee No fee
Foreign transaction fee None
- 4% gas
- 3% dining & travel
- 2% at Costco (membership required)
✓ VerifiedNone FTF
CitiStarter
•••• •••• •••• 8898
American Airlines AAdvantage MileUpMastercard
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
DeserveStarter
•••• •••• •••• 3360
Deserve EDU Mastercard for StudentsMastercard
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 OK
WebBankMainstream
•••• •••• •••• 5941
Petal 2 Cash Back No Fees VisaVISA
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
Capital OneStarter
•••• •••• •••• 5773
Capital One Quicksilver StudentMastercard
$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
SoFiMainstream
•••• •••• •••• 4710
SoFi Credit CardMastercard
$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
SynchronyMainstream
•••• •••• •••• 2972
PayPal Cashback MastercardMastercard
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
SynchronyMainstream
•••• •••• •••• 6042
Venmo Credit CardVISA
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
RobinhoodElite
•••• •••• •••• 1569
Robinhood Gold CardVISA
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
Elan FinancialMainstream
•••• •••• •••• 7351
Fidelity Rewards Visa SignatureVISA
$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
UpgradeStarter
•••• •••• •••• 8765
Upgrade Cash Rewards VisaVISA
$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
Navy FederalMainstream
•••• •••• •••• 6887
Navy Federal cashRewardsVISA
$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
Navy FederalMainstream
•••• •••• •••• 2595
Navy Federal More Rewards American ExpressAMEX
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
PenFedMainstream
•••• •••• •••• 6738
PenFed Power Cash RewardsVISA
$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
USAAMainstream
•••• •••• •••• 9965
USAA Preferred Cash RewardsVISA
$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
AmexMainstream
•••• •••• •••• 2697
American Express EveryDayAMEX
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 OK
CitiMainstream
•••• •••• •••• 2690
Citi Rewards+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
Bank of AmericaMainstream
•••• •••• •••• 6237
Bank of America Travel RewardsVISA
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
Capital OneMainstream
•••• •••• •••• 9775
Capital One VentureOne RewardsVISA
20,000 miles (spend $500 in 3 months)
Annual fee No fee
Foreign transaction fee None
- 1.25x miles on every purchase
- 5x miles on hotels and rental cars booked through Capital One Travel
- No foreign transaction fees
None FTF
DiscoverMainstream
•••• •••• •••• 6761
Discover it ChromeDiscover
Cashback Match doubles all cash back earned in the first year
Annual fee No fee
Foreign transaction fee None
- 2% cash back at gas stations and restaurants on up to $1,000 combined each quarter
- 1% cash back on all other purchases
- No annual fee and no foreign transaction fees
None FTF
CitiStarter
•••• •••• •••• 7060
Citi SimplicityMastercard
No sign-up bonus; long 0% intro APR on purchases and balance transfers
Annual fee No fee
Foreign transaction fee 3%
- 0% intro APR on balance transfers for 21 months
- No late fees, no penalty APR, and no annual fee ever
- One of the longest interest-free windows available
Wells FargoStarter
•••• •••• •••• 9782
Wells Fargo ReflectVISA
No sign-up bonus; one of the longest 0% intro APR periods available
Annual fee No fee
Foreign transaction fee 3%
- 0% intro APR on purchases and qualifying balance transfers for 21 months
- No annual fee
- Cellphone protection when you pay your bill with the card
ChaseStarter
•••• •••• •••• 7688
Chase Freedom StudentVISA
$50 bonus after your first purchase in 3 months
Annual fee No fee
Foreign transaction fee 3%
- 1.5% cash back on all purchases
- $20 Good Standing reward each year for up to 5 years
- Automatic credit line increase reviews to help build history
Student OK