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
•••• •••• •••• 6087
Blue Cash EverydayAMEX
AmexStarter
•••• •••• •••• 9835
Hilton Honors CardAMEX
🎁 70,000 Hilton points (illustrative)
Annual fee No fee
Foreign transaction fee None
- 7x Hilton spend
- 5x supermarkets, gas & dining
- No annual fee + Silver status
✓ VerifiedNone FTFNo SSN
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 OneStarter
•••• •••• •••• 2347
Capital One PlatinumMastercard
🎁 No sign-up bonus
Annual fee No fee
Foreign transaction fee None
- No rewards: pure credit building
- Credit-line review after 6 months
- No annual fee
✓ VerifiedNone FTF
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
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
Wells FargoMainstream
•••• •••• •••• 1869
Wells Fargo AutographVISA
🎁 20,000 points (illustrative)
Annual fee No fee
Foreign transaction fee None
- 3x dining, travel, gas & streaming
- No annual fee, no FTF
- One of the widest 3x sets
✓ VerifiedNone FTF
Wells FargoElite
•••• •••• •••• 8456
Bilt MastercardMastercard
🎁 No bonus (earn points on rent, fee-free)
Annual fee No fee
Foreign transaction fee None
- Earn points on rent with no fee
- 3x dining, 2x travel
- Transfer to Hyatt & airlines
✓ VerifiedNone FTF
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
U.S. BankMainstream
•••• •••• •••• 7751
U.S. Bank Altitude GoVISA
🎁 20,000 points = $200 (illustrative)
Annual fee No fee
Foreign transaction fee 3%
- 4x dining
- 2x grocery, gas & streaming
- No annual fee, no FTF
✓ 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
ZolveRebuild
•••• •••• •••• 4205
Zolve AzpireMastercard
🎁 No sign-up bonus
Annual fee No fee
Foreign transaction fee None
- No SSN & no U.S. credit history needed
- Apply before you land in the U.S.
- Reports to all three bureaus
✓ VerifiedNone FTFStudent OKNo SSNSecured
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
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
Stride BankRebuild
•••• •••• •••• 3899
Chime Credit Builder VisaVISA
🎁 No sign-up bonus
Annual fee No fee
Foreign transaction fee None
- No credit check and no annual fee
- No preset minimum security deposit
- Reports to all three credit bureaus
✓ VerifiedNone FTFSecured
Lead BankRebuild
•••• •••• •••• 3015
Self Visa Credit CardVISA
🎁 No sign-up bonus
Annual fee No fee
Foreign transaction fee None
- Secured by a Self savings-builder account
- No hard credit check to apply
- Reports to all three bureaus
✓ VerifiedNone FTFSecured
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
Mission LaneStarter
•••• •••• •••• 2735
Mission Lane VisaVISA
🎁 No sign-up bonus
Annual fee No fee
Foreign transaction fee 3%
- Designed for fair or rebuilding credit
- No security deposit required
- Reports to all three credit bureaus
✓ 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
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
ChaseMainstream
•••• •••• •••• 4975
United Gateway Card (Chase)VISA
🎁 20,000 miles (spend $1,000 in 3 months)
Annual fee No fee
Foreign transaction fee None
- 2x miles on United purchases, gas, and transit
- No annual fee and no foreign transaction fees
- 25% back on United inflight purchases
None FTF