Prioritise the longest 0% purchase or balance-transfer period for your use case, and check the representative APR that applies after any promotional period ends.
108 live credit cards offers tracked across 15 US providers, with annual fees from $0 $0. Data current as of 23 October 2026 and updated daily from the Giraffy database.
Live offers
108 live offers compared from 15 providers, from $1 /month. Updated daily.
Chase Freedom Unlimited Chase
$0 $0
1.5% cashback on all purchases. 3% on dining and drugstores. $200 bonus after $500 spend.
- Annual Fee: $0/year
- Rewards Rate: 1.5% on all, 3% dining & drugstores
- Sign-up Bonus: $200 cash back after $500 spend
- Purchase APR: 20.49%-29.24% variable
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: No
Capital One Quicksilver Cash Rewards Capital One
$0 $0
Unlimited 1.5% cashback on every purchase. No annual fee. Simple straightforward rewards.
- Annual Fee: $0/year
- Rewards Rate: 1.5% unlimited cash back on all purchases
- Sign-up Bonus: $200 cash bonus after $500 spend
- Purchase APR: 19.99%-29.99% variable
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: No
Citi Double Cash Card Citibank
$0 $0
2% cashback on everything: 1% when you buy and 1% when you pay. No annual fee.
- Annual Fee: $0/year
- Rewards Rate: 2% cash back on all (1% buy + 1% pay)
- Sign-up Bonus: No welcome bonus (standard)
- Purchase APR: 19.24%-29.24% variable
- Card Type: Cash Back
- Network: Mastercard
- No Foreign Transaction Fee: No
$0 $0
5% cashback in rotating quarterly categories. 1% on all else. First-year cash match.
- Annual Fee: $0/year
- Rewards Rate: 5% rotating categories (quarterly), 1% all else
- Sign-up Bonus: Cash back match at end of first year
- Purchase APR: 18.24%-28.24% variable
- Card Type: Cash Back
- Network: Discover
- No Foreign Transaction Fee: No
Wells Fargo Active Cash Card Wells Fargo
$0 $0
2% unlimited cash rewards on every purchase. No annual fee. $200 cash bonus.
- Annual Fee: $0/year
- Rewards Rate: 2% unlimited cash rewards on all purchases
- Sign-up Bonus: $200 cash bonus after $500 spend in 3 months
- Purchase APR: 20.24%-29.99% variable
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: No
Bank of America Customized Cash Rewards Bank of America
$0 $0
3% in your chosen category, 2% at grocery/wholesale clubs, 1% on all else. No annual fee.
- Annual Fee: $0/year
- Rewards Rate: 3% chosen category, 2% grocery/wholesale, 1% all else
- Sign-up Bonus: $200 cash bonus after $1000 spend in 90 days
- Purchase APR: 19.24%-29.24% variable
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: No
$0 $0
Earn points on rent with zero processing fee. 3x dining, 2x travel, 1x on rent. No annual fee.
- Annual Fee: $0/year
- Rewards Rate: 1x on rent (no fee), 3x dining, 2x travel
- Sign-up Bonus: No welcome bonus (rent benefit instead)
- Purchase APR: 21.24%-29.24% variable
- Card Type: Rent & Travel Rewards
- Network: Mastercard
- No Foreign Transaction Fee: Yes
Chase Freedom Unlimited Chase
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 1.5% cash back all
- Sign-up Bonus: $200 cash bonus
- Purchase APR: 20.49-29.24% var
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: Yes
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 2x groceries, 1x other
- Sign-up Bonus: 10,000 pts ($100)
- Purchase APR: 18.49-29.49% var
- Card Type: Rewards
- Network: Amex
- No Foreign Transaction Fee: Yes
Capital One Quicksilver Capital One
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 1.5% cash back all
- Sign-up Bonus: $200 bonus
- Purchase APR: 19.99-29.99% var
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: Yes
Citi Double Cash Card Citibank
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 2% cash back (1%+1%)
- Purchase APR: 19.24-29.24% var
- Card Type: Cash Back
- Network: Mastercard
- No Foreign Transaction Fee: Yes
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 5% rotating, 1% other
- Sign-up Bonus: Cashback match year 1
- Purchase APR: 17.24-28.24% var
- Card Type: Cash Back
- Network: Discover
- No Foreign Transaction Fee: Yes
Bank of America Customized Cash Bank of America
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 3% choice category, 2% groceries
- Sign-up Bonus: $200 bonus
- Purchase APR: 19.24-29.24% var
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: Yes
Wells Fargo Active Cash Wells Fargo
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 2% cash back all
- Sign-up Bonus: $200 cash rewards
- Purchase APR: 20.24-29.99% var
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: Yes
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 3x dining, 2x travel, 1x rent
- Sign-up Bonus: 50,000 pts ($750)
- Purchase APR: 22.24-29.24% var
- Card Type: Rewards
- Network: Mastercard
- No Foreign Transaction Fee: Yes
Apple Card Apple
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 3% Apple, 2% Apply Pay, 1% other
- Purchase APR: 19.24-29.49% var
- Card Type: Cash Back
- Network: Mastercard
- No Foreign Transaction Fee: Yes
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 1.75% cash back all
- Sign-up Bonus: $250 bonus
- Purchase APR: 12.65-18% var
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: Yes
PNC Cash Unlimited Visa PNC Bank
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 1.5% cash back all
- Sign-up Bonus: $200 bonus
- Purchase APR: 19.99-29.99% var
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: Yes
U.S. Bank Altitude Go Visa U.S. Bank
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 4x dining, 2x groceries
- Sign-up Bonus: 20,000 pts ($200)
- Purchase APR: 18.24-29.24% var
- Card Type: Rewards
- Network: Visa
- No Foreign Transaction Fee: Yes
TD Double Up Mastercard TD Bank
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 2% cash back all
- Sign-up Bonus: $100 bonus
- Purchase APR: 19.99-29.99% var
- Card Type: Cash Back
- Network: Mastercard
- No Foreign Transaction Fee: Yes
$0 /year
- Annual Fee: $0/yr
- Rewards Rate: 1.5% cash back
- Sign-up Bonus: $200 bonus
- Purchase APR: 17.99-29.99% var
- Card Type: Cash Back
- Network: Visa
- No Foreign Transaction Fee: Yes
How Active Cash ® stacks up to the competition Wells Fargo
$1 /month
- Data: Unlimited
- Provider: Wells Fargo
Chase Savings SM Chase
$5 /month
Chase Savings℠ Chase
$5 /month
$5 /month
Rates And Fees Information Discover Bank
$10 /month
- Provider: Discover
- Annual Fee: $0
$15 or $0 fee Chase
$15 /month
$15 /month
- Minutes: 2 mins
- Provider: Wells Fargo
Our most popular checking account, chosen by millions Chase
$15 /month
Monthly Service Fee Footnote 1 Opens overlay Chase
$15 /month
$15 /month
$15 or $0 Monthly Service Fee Chase
$15 /month
$15 /month
$15 or $0 monthly service fee Wells Fargo
$15 /month
$15 /month
- Minutes: 2 mins
- Provider: Wells Fargo
Chase Premier Savings SM Chase
$25 /month
$25 /month
$25 /month
- Provider: Bank of America
Autograph Journey℠Card Wells Fargo
$50 /month
- Provider: Wells Fargo
- Annual Fee: $95
Added flexibility with Chase Overdraft Assist℠ Chase
$50 /month
Choice Privileges®Select Mastercard® Wells Fargo
$95 /month
- Provider: Wells Fargo
- Annual Fee: $95
Chase Sapphire Preferred Chase
$95 /year
Earn 3x on dining and streaming, 2x on travel. 60,000 bonus points after $4k spend in 3 months.
- Annual Fee: $95/year
- Rewards Rate: 3x dining & streaming, 2x travel
- Sign-up Bonus: 60,000 points after $4,000 spend
- Purchase APR: 21.49%-28.49% variable
- Card Type: Travel Rewards
- Network: Visa
- No Foreign Transaction Fee: Yes
Chase Sapphire Preferred Chase
$95 /year
- Annual Fee: $95/yr
- Rewards Rate: 3x dining, 2x travel
- Sign-up Bonus: 75,000 pts ($750)
- Purchase APR: 21.49-28.49% var
- Card Type: Travel Rewards
- Network: Visa
- No Foreign Transaction Fee: Yes
Capital One Venture Rewards Capital One
$95 /year
- Annual Fee: $95/yr
- Rewards Rate: 2x miles on all
- Sign-up Bonus: 75,000 miles ($750)
- Purchase APR: 19.99-29.99% var
- Card Type: Travel Rewards
- Network: Visa
- No Foreign Transaction Fee: Yes
Citi Premier Card Citibank
$95 /year
- Annual Fee: $95/yr
- Rewards Rate: 3x hotels, 3x air
- Sign-up Bonus: 60,000 pts ($600)
- Purchase APR: 21.24-29.24% var
- Card Type: Travel Rewards
- Network: Mastercard
- No Foreign Transaction Fee: Yes
Barclays AAdvantage Aviator Red Barclays US
$99 /year
- Annual Fee: $99/yr
- Rewards Rate: 2x AA miles, 1x other
- Sign-up Bonus: 60,000 miles ($600)
- Purchase APR: 21.24-29.99% var
- Card Type: Travel Rewards
- Network: Mastercard
- No Foreign Transaction Fee: Yes
$100 /month
$100 /month
Work With Industry Experts Capital One
$100 /month
Commercial Real EstateLeverage the resources of a $100B portfolio Capital One
$100 /month
Leverage the resources of a $100B portfolio Capital One
$100 /month
$100 /month
$100 Annual
Hotel Benefit Citibank
$100 /month
$100 /month
$100 /month
$100 /month
- Provider: American Express
Global Entry, TSA PreCheck®, or NEXUS fee credit Chase
$120 /month
$120 DashPass Membership Chase
$120 /month
$120 in Peloton credits + 10x points Chase
$120 /month
$120 in Lyft credits + 5x points Chase
$120 /month
$120 /month
- Provider: American Express
Fee Credit for Global Entry or TSA Pre American Express
$120 /month
- Provider: American Express
ENHANCE YOUR NEXT ADVENTURE Capital One
$149 /month
$155 /month
- Provider: American Express
$200 /month
- Data: Unlimited
- Provider: Wells Fargo
- Annual Fee: annual fee 2% unlimited cash r
$200 /month
- Provider: American Express
$200 /month
- Provider: Bank of America
- Annual Fee: † Review rates and fees † See
$200 /month
- Provider: American Express
$200 /month
- Provider: American Express
$200 /month
- Provider: Bank of America
- Annual Fee: Low Intro APR Balance Transfer
$219 /month
- Provider: American Express
$250 credit for select Chase Travel Hotels Chase
$250 /month
$250 /month
- Provider: Wells Fargo
- Annual Fee: $0
$250 /year
4x points at US restaurants and supermarkets. 3x on flights. $120 dining credit + $120 Uber Cash/year.
- Annual Fee: $250/year
- Rewards Rate: 4x US restaurants & supermarkets, 3x flights
- Sign-up Bonus: 60,000 points after $6,000 spend
- Purchase APR: N/A – Pay in Full card
- Card Type: Dining & Groceries Rewards
- Network: American Express
- No Foreign Transaction Fee: Yes
$250 /year
- Annual Fee: $250/yr
- Rewards Rate: 4x dining, 4x groceries
- Sign-up Bonus: 60,000 pts ($600)
- Purchase APR: See rates
- Card Type: Rewards
- Network: Amex
- No Foreign Transaction Fee: Yes
$288 in Apple TV and Apple Music subscriptions Chase
$288 /month
$300 annual travel credit Chase
$300 /month
Chase Plan Chase
$300 /month
IHG®One Rewards Platinum Elite Status Chase
$300 /month
Reserve Travel Designers Chase
$300 /month
$300 dining credit Chase
$300 /month
$300 in DoorDash promos Chase
$300 /month
$300 in StubHub credits Chase
$300 /month
$300 Travel Credit Chase
$300 /month
Chase Sapphire Reserve®Credit Card Chase
$300 /month
$300 /month
- Provider: Capital One
- Annual Fee: determines the perks you get w
$300 /month
- Provider: Capital One
- Annual Fee: determines the perks you get w
$300 /month
Best value out of all the Premium Travel cards Capital One
$300 /month
$300 Digital Entertainment Credit American Express
$300 /month
- Provider: American Express
$300 /month
- Provider: American Express
$324 /month
$324 in Apple TV and Apple Music subscriptions Chase
$324 /month
$395 /month
- Provider: Capital One
- Annual Fee: $395 Purchase Rate 19.49% - 28
$395 /month
- Data: Unlimited
- Provider: Capital One
- Annual Fee: $395 Purchase Rate 19.49% - 28
$395 /year
2x miles on every purchase. 10x on hotels via Capital One Travel. $300 travel credit. Lounge access.
- Annual Fee: $395/year
- Rewards Rate: 2x miles on all, 10x hotels & rental cars via Capital One Travel
- Sign-up Bonus: 75,000 miles after $4,000 spend
- Purchase APR: 19.99%-29.99% variable
- Card Type: Travel Rewards
- Network: Visa
- No Foreign Transaction Fee: Yes
$400 /month
- Provider: American Express
$420 /month
$420 /month
$420 /month
$420 /month
$420 in DoorDash promos Chase
$420 /month
$500 credit for stays with The EditSM Chase
$500 /month
$500 /month
Signify Business Cash®Card Wells Fargo
$500 /month
- Data: Unlimited
- Provider: Wells Fargo
- Annual Fee: $0
Car Rental Loss and Damage Insurance ◆ American Express
$500 /month
- Provider: American Express
- Cover Type: Liability
Chase Sapphire Reserve Chase
$550 /year
3x on dining and travel. $300 annual travel credit. Priority Pass lounge access. 60,000 bonus points.
- Annual Fee: $550/year
- Rewards Rate: 3x dining & travel, $300 travel credit
- Sign-up Bonus: 60,000 points after $4,000 spend
- Purchase APR: 22.49%-29.49% variable
- Card Type: Travel & Lounge Rewards
- Network: Visa
- No Foreign Transaction Fee: Yes
$695 /year
5x points on flights booked directly. Centurion Lounge access. Up to $200 airline fee credit per year.
- Annual Fee: $695/year
- Rewards Rate: 5x on flights booked directly, Centurion Lounge access
- Sign-up Bonus: 80,000 points after $8,000 spend
- Purchase APR: N/A – Pay in Full card
- Card Type: Travel & Luxury Rewards
- Network: American Express
- No Foreign Transaction Fee: Yes
What are Credit Cards in the US?
A credit card lets you borrow up to a set limit to make purchases, repaying either in full each month to avoid interest or over time with interest charged at an annual percentage rate (APR). In the United States credit cards are central to everyday spending and, crucially, to building the FICO credit score that lenders use for mortgages, auto loans and apartments. Cards range from no-frills builders to premium travel and cash-back products loaded with rewards.
How the US market works
Issuers—banks and card networks like Visa, Mastercard, American Express and Discover—compete fiercely on sign-up bonuses, rewards rates and perks funded largely by merchant interchange fees. Approval and pricing hinge on your FICO or VantageScore. The CARD Act of 2009 curbed abusive practices, requiring clear disclosures and limiting fees. If you pay your statement balance in full by the due date, purchases carry a grace period with no interest; carry a balance and the APR applies.
Benefits
Rewards and cash back — Cards return 1%–5% on spending plus lucrative sign-up bonuses.
Credit building — On-time payments and low utilization raise your FICO score.
Purchase protection — Federal law caps your fraud liability, and many cards add extended warranty and travel protections.
Interest-free grace period — Paying in full each month means you borrow at no cost.
How to choose
Pick by how you will use the card. If you pay in full monthly, chase rewards—flat-rate cash back for simplicity or category and travel cards for maximizers. If you carry a balance, prioritize a low ongoing APR or a 0% intro balance-transfer offer over rewards. Weigh the annual fee against the benefits you will actually use, and check foreign-transaction fees if you travel. Those building or rebuilding credit should look at secured cards or starter products.
Leading providers in the US
Chase, Capital One, Citibank, Bank of America and Wells Fargo issue broad lineups spanning cash-back, travel and balance-transfer cards. American Express is known for premium travel and rewards cards with rich perks, Discover for cash-back cards with no annual fee and strong customer service, and Bilt Rewards for a card that uniquely earns points on rent payments. Co-branded airline, hotel and retail cards are also widely available through these issuers.
What it costs
Many excellent cards carry no annual fee, while premium travel cards range from modest fees up to around $500 or more a year in exchange for credits and lounge access. The bigger cost is interest: purchase APRs commonly run in the low-to-high 20% range, so carrying a balance is expensive. Watch for balance-transfer fees (often 3%–5%), foreign-transaction fees, and late-payment fees, though intro 0% APR periods can eliminate interest temporarily.
Protections and regulation
The CARD Act and the Truth in Lending Act, enforced by the CFPB, mandate clear rate and fee disclosures and limit certain fees and rate hikes. Under federal law your liability for unauthorized charges is capped at $50 and is effectively zero at major networks. The Fair Credit Billing Act lets you dispute billing errors and, in some cases, withhold payment for goods not delivered as promised.
Common questions
Will a new card hurt my score? The hard inquiry causes a small, temporary dip, but on-time use builds your score over time. Should I carry a small balance to build credit? No—paying in full is best; you build credit through on-time payments and low utilization, not by carrying debt. Is an annual fee worth it? Only if the rewards and credits you use exceed the fee.
Credit Cards in United States — FAQ
What credit score do I need to get approved for a credit card in United States?
Minimum score requirements vary by card and issuer. In United States, scores are reported by Equifax, Experian, or TransUnion. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.
Which credit card in United States has no foreign transaction fee?
Giraffy tracks 108 credit cards across 15 banks in United States. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.
How do balance transfers work, and are they worth it?
A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.
What is a rewards or cashback credit card?
Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.
Can I get a credit card with no annual fee?
Yes — several cards tracked by Giraffy in United States charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.
How does credit card interest work?
If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.
What is the difference between a credit limit and an available balance?
Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.
