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Capital One
Why this card
$6.60 in credits offset the $395 fee

Usbank
Why this card
No annual fee
Bonus rate on first $2,000/quarterly, then base rate
Amex
Why this card
$1,246.40 in credits fully offsets the $895 fee
Amex has limited international acceptance — carry a Visa/Mastercard backup

Bank Of America
Why this card
No annual fee

Citi
Why this card
$150.60 in credits offset the $595 fee

Cardless
Why this card
No annual fee

Capital One
Why this card
No annual fee

Bank Of America
Why this card
No annual fee

First Electronic Bank
Convertible Cash Back — 1.0–2.0¢/$
This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).
Why this card
No annual fee
Amex has limited international acceptance — carry a Visa/Mastercard backup

Usbank
Why this card
No annual fee

Amex
Why this card
$45.60 in credits offset the $95 fee
Amex has limited international acceptance — carry a Visa/Mastercard backup
Wells Fargo
Why this card
No annual fee

Chase
Why this card
$108.12 in credits fully offsets the $95 fee

Capital One
Why this card
No annual fee
Firstcard
Why this card
No annual fee
Synchrony
Why this card
No annual fee

Elan Financial
Why this card
No annual fee

Navy Federal
Why this card
No annual fee

Wells Fargo
Why this card
No annual fee
Sofi
Why this card
No annual fee

Citi
Why this card
No annual fee
Bonus rate on first $500/monthly, then base rate

Cardless
Why this card

Discover
Why this card
No annual fee
Discover has very limited international acceptance
Bonus rate on first $1,500/quarterly, then base rate
Td Bank
Why this card
No annual fee

Citi
Why this card
No annual fee

Synchrony
Why this card
No annual fee

Chase
Why this card
$536 in credits offset the $795 fee

Capital One
Why this card
Cardless
Why this card
$300 in credits offset the $495 fee

Discover
Why this card
No annual fee
Promotional rate — may be time-limited
Enrollment or activation may be required for this rate
Discover has very limited international acceptance
Bonus rate on first $1,500/quarterly, then base rate
Capital One
Why this card
$6.60 in credits offset the $395 fee

Usbank
Why this card
No annual fee
Bonus rate on first $2,000/quarterly, then base rate
Amex
Why this card
$1,246.40 in credits fully offsets the $895 fee
Amex has limited international acceptance — carry a Visa/Mastercard backup

Bank Of America
Why this card
No annual fee

Citi
Why this card
$150.60 in credits offset the $595 fee

Cardless
Why this card
No annual fee

Capital One
Why this card
No annual fee

Bank Of America
Why this card
No annual fee

First Electronic Bank
Convertible Cash Back — 1.0–2.0¢/$
This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).
Why this card
No annual fee
Amex has limited international acceptance — carry a Visa/Mastercard backup

Usbank
Why this card
No annual fee

Amex
Why this card
$45.60 in credits offset the $95 fee
Amex has limited international acceptance — carry a Visa/Mastercard backup
Wells Fargo
Why this card
No annual fee

Chase
Why this card
$108.12 in credits fully offsets the $95 fee

Capital One
Why this card
No annual fee
Firstcard
Why this card
No annual fee
Synchrony
Why this card
No annual fee

Elan Financial
Why this card
No annual fee

Navy Federal
Why this card
No annual fee

Wells Fargo
Why this card
No annual fee
Sofi
Why this card
No annual fee

Citi
Why this card
No annual fee
Bonus rate on first $500/monthly, then base rate

Cardless
Why this card

Discover
Why this card
No annual fee
Discover has very limited international acceptance
Bonus rate on first $1,500/quarterly, then base rate
Td Bank
Why this card
No annual fee

Citi
Why this card
No annual fee

Synchrony
Why this card
No annual fee

Chase
Why this card
$536 in credits offset the $795 fee

Capital One
Why this card
Cardless
Why this card
$300 in credits offset the $495 fee

Discover
Why this card
No annual fee
Promotional rate — may be time-limited
Enrollment or activation may be required for this rate
Discover has very limited international acceptance
Bonus rate on first $1,500/quarterly, then base rate
Capital One
Why this card
$6.60 in credits offset the $395 fee

Usbank
Why this card
No annual fee
Bonus rate on first $2,000/quarterly, then base rate
Amex
Why this card
$1,246.40 in credits fully offsets the $895 fee
Amex has limited international acceptance — carry a Visa/Mastercard backup

Bank Of America
Why this card
No annual fee

Citi
Why this card
$150.60 in credits offset the $595 fee

Cardless
Why this card
No annual fee

Capital One
Why this card
No annual fee

Bank Of America
Why this card
No annual fee

First Electronic Bank
Convertible Cash Back — 1.0–2.0¢/$
This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).
Why this card
No annual fee
Amex has limited international acceptance — carry a Visa/Mastercard backup

Usbank
Why this card
No annual fee

Amex
Why this card
$45.60 in credits offset the $95 fee
Amex has limited international acceptance — carry a Visa/Mastercard backup
Wells Fargo
Why this card
No annual fee

Chase
Why this card
$108.12 in credits fully offsets the $95 fee

Capital One
Why this card
No annual fee
Firstcard
Why this card
No annual fee
Synchrony
Why this card
No annual fee

Elan Financial
Why this card
No annual fee

Navy Federal
Why this card
No annual fee

Wells Fargo
Why this card
No annual fee
Sofi
Why this card
No annual fee

Citi
Why this card
No annual fee
Bonus rate on first $500/monthly, then base rate

Cardless
Why this card

Discover
Why this card
No annual fee
Discover has very limited international acceptance
Bonus rate on first $1,500/quarterly, then base rate
Td Bank
Why this card
No annual fee

Citi
Why this card
No annual fee

Synchrony
Why this card
No annual fee

Chase
Why this card
$536 in credits offset the $795 fee

Capital One
Why this card
Cardless
Why this card
$300 in credits offset the $495 fee

Discover
Why this card
No annual fee
Promotional rate — may be time-limited
Enrollment or activation may be required for this rate
Discover has very limited international acceptance
Bonus rate on first $1,500/quarterly, then base rate