Best No Foreign Transaction Fee Credit Cards

Updated August 20, 2025

At Pointalize, we believe the right credit card can unlock smarter spending and bigger rewards.

That’s why we provide clear, independent guides and comparisons to help you make informed decisions.

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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.

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Chase Sapphire Reserve®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

8x Travel booked through Chase Travel℠
4x Flights and hotels booked directly
3x Dining worldwide
1x All other purchases

Intro offer: 100,000 points + $500 Chase Travel℠ promo credit after $5,000 in purchases within the first 3 months

Annual fee: $795

Regular APR: 20.24% – 28.74% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Cell Phone Protection, Hotel Status, Lounge Access, Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry

Visit issuer’s site directly See Rates & Fees

Pros

Generous sign‑up bonus of 100K points plus $500 Chase Travel℠ credit
High earning rates: 8X on travel booked through Chase, 4X on direct flights and hotels, and 3X on dining
Extensive travel perks including Priority Pass lounge access, travel insurance and primary rental car coverage
No foreign transaction fees

Cons

$795 annual fee is steep and recently increased
Most elevated earning rates require booking through Chase Travel℠
Sign‑up bonus has a high spending requirement

Pointalize Final Thoughts

The Chase Sapphire Reserve remains a top-tier travel card thanks to its generous welcome bonus, rich earning rates and comprehensive travel perks. Frequent travelers who can leverage the annual Chase Travel℠ credit and lounge access can easily justify the high annual fee. However, casual users may find it hard to maximize the portal‑based rewards, and the fee increase makes cost–benefit analysis essential.

Read the full review (Coming Soon)

Capital One Venture X® Rewards

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Miles

10x Hotels and rental cars booked through Capital One® Travel
5x Flights and vacation rentals booked through Capital One® Travel
2x All other purchases

Intro offer: 75,000 miles after $4,000 in purchases within the first 3 months

Annual fee: $395

Regular APR: 21.24% – 29.24% Variable APR

Recommended credit: 740–850 (Excellent)

Travel Perks: Hotel Status, Lounge Access, Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry

Visit issuer’s site directly See Rates & Fees

Pros

Robust earning rates: 10X miles on hotels and rental cars and 5X miles on flights booked via Capital One® Travel
Includes a $300 annual travel credit and 10,000 anniversary bonus miles
Priority Pass and Capital One lounge access plus TSA PreCheck/Global Entry credit
No foreign transaction fees

Cons

$395 annual fee, although partially offset by travel credits
Highest earning rates require booking through the Capital One® Travel portal
Approval often requires excellent credit and relatively clean credit history

Pointalize Final Thoughts

The Venture X is a premium travel card that combines high earning rates with valuable perks like lounge access, a $300 travel credit and 10K anniversary bonus miles. It offers simplicity on everyday purchases with 2X miles and no foreign transaction fees. While the $395 annual fee is substantial, savvy travelers who use the travel portal and perks can come out far ahead.

Read the full review (Coming Soon)

The Platinum Card® from Amex

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

5x Flights booked directly with airlines or through Amex® Travel
5x Prepaid hotels booked through Amex® Travel
1x All other purchases

Intro offer: Up to 175,000 points after $8,000 in purchases within the first 6 months

Annual fee: $695

Regular APR: 21.24% – 29.24% Variable APR

Recommended credit: 740–850 (Excellent)

Travel Perks: Hotel Status, Lounge Access, Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry

Visit issuer’s site directly See Rates & Fees

Pros

Earns 5X points on flights booked directly with airlines or Amex® Travel and on prepaid hotels through Amex® Travel
Includes annual statement credits for airlines, hotels and other perks that can offset the fee
Complimentary lounge access to Amex Centurion Lounges, Delta Sky Club (when flying Delta) and Priority Pass lounges
Comes with comprehensive travel protections and elite status with Hilton and Marriott

Cons

$695 annual fee is among the highest of any consumer card
Many credits require enrolment and careful use to maximize value
Amex cards are not as widely accepted internationally as Visa or Mastercard

Pointalize Final Thoughts

The Platinum Card from Amex is packed with premium perks that frequent travelers can leverage for lounge access, elite hotel status and hundreds of dollars in travel credits each year. Its 5X earnings on flights and hotels booked through Amex® Travel make it one of the most rewarding cards for airfare and lodging. However, you need to maximize these benefits to justify the high annual fee, and Amex acceptance abroad can be limited compared with Visa or Mastercard.

Read the full review (Coming Soon)

Chase Sapphire Preferred® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

5x Travel purchased through Chase Travel℠
3x Dining, online grocery purchases and select streaming services
2x Other travel purchases
1x All other purchases

Intro offer: 75,000 points after $5,000 in purchases within the first 3 months

Annual fee: $95

Regular APR: 19.99% – 28.24% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry

Visit issuer’s site directly See Rates & Fees

Pros

Substantial sign‑up bonus of 100K points with a modest $5K spend requirement
Strong earning structure: 5X on travel booked through Chase, 3X on dining, online groceries and select streaming, and 2X on other travel
Low $95 annual fee and no foreign transaction fee
Comes with primary rental car insurance and trip cancellation coverage

Cons

Highest earning rate applies only to purchases through Chase Travel℠
Fewer premium perks compared with the Sapphire Reserve
Requires good credit to qualify

Pointalize Final Thoughts

The Sapphire Preferred remains an excellent entry‑level travel card thanks to its generous sign‑up bonus and rewarding categories on travel and dining. Its $95 annual fee is easy to justify if you redeem points for travel through Chase or transfer to partners. While it lacks some of the ultra‑premium perks of its sibling Reserve card, it offers solid value for most travelers.

Read the full review (Coming Soon)

World of Hyatt® Credit Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

Up to 9X Total points per $1 spent at Hyatt hotels
4 Bonus Points per $1 spent on qualifying purchases at Hyatt Hotels
2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases

Intro offer: 2 Free nights + 25K Bonus Points

Annual fee: $95

Regular APR: 19.99% – 28.49% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Hotel Status, Rental Car Insurance, Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

Annual free night certificate at a Category 1–4 Hyatt, easily worth more than the $95 fee.
Strong earning rates: up to 9X total points on Hyatt stays plus bonus categories like dining and flights.

Cons

Limited hotel footprint compared to larger chains (Marriott, Hilton).
Best value requires frequent Hyatt stays — casual travelers may not benefit.

Pointalize Final Thoughts

The World of Hyatt® Credit Card is one of the best hotel co-branded cards for loyal Hyatt guests. The combination of a valuable free night, strong earning rates at Hyatt properties, and elite night credits makes it especially powerful if you’re aiming for Hyatt status or regularly stay at their hotels. However, its value is tightly tied to the Hyatt ecosystem. For travelers who prioritize flexibility or don’t often stay with Hyatt, a general travel rewards card may provide more options. But if Hyatt is your brand of choice, this card is a must-have anchor in your wallet.

Read the full review (Coming Soon)

Savor Rewards®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

8% cash back on Capital One Entertainment purchases
5% cash back on hotels and rental cars via Capital One Travel
3% cash back on dining, entertainment, popular streaming, and groceries
1% cash back on all other purchases

Intro offer: Enjoy a $100 credit for Capital One Travel in your first year, plus earn a $200 cash bonus after spending $500 on purchases within the first 3 months

Annual fee: $0

Regular APR: 19.24% – 29.24% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Apply @ Capital One at issuer’s secure site See Rates & Fees

Pros

Year-round elevated earnings on dining, entertainment, streaming and groceries
8% back via Capital One Entertainment and 5% back on hotels & rental cars through Capital One® Travel
$0 annual fee and no foreign transaction fees

Cons

Best travel earnings require booking through the Capital One® Travel portal
No premium travel protections

Pointalize Final Thoughts

The Savor excels as a no-annual-fee lifestyle card: strong 3% categories for everyday spend, headline 8% via Capital One Entertainment, and useful 5% on hotels and car rentals through Capital One® Travel. With a straightforward welcome bonus, no foreign transaction fees and broad acceptance, it’s an easy recommendation for foodies and entertainment lovers who don’t need premium travel perks.

Read the full review (Coming Soon)

Amex® Gold Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

4x Restaurants worldwide
4x U.S. supermarkets (≤ $25k/yr, then 1x)
3x Flights (airlines or Amex® Travel)
2x Hotel Collection via Amex® Travel
1x Other purchases

Intro offer: Up to 100,000 points after $6,000 in purchases within the first 6 months

Annual fee: $250

Regular APR: 21.24% – 29.24% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Rental Car Insurance, Travel Insurance

Apply @ Amex at issuer’s secure site See Rates & Fees

Pros

Generous 4X rewards at restaurants worldwide and on U.S. supermarket purchases (up to $25K per year)
Includes up to $120 dining credit and $120 Uber Cash each year when enrolled
Solid 3X earnings on flights booked with airlines or Amex® Travel
No foreign transaction fees

Cons

$250 annual fee may be high for casual spenders
Supermarket bonus capped at $25,000 in purchases per year
Requires enrollment to use monthly credits effectively

Pointalize Final Thoughts

The Amex Gold card hits a sweet spot for foodies and travelers with 4X rewards at restaurants and U.S. supermarkets and 3X on flights. Its dining and Uber credits help offset the $250 annual fee, and there’s no foreign transaction fee. However, you need to take advantage of the credits and higher multipliers to make the fee worthwhile.

Read the full review (Coming Soon)

Capital One Venture Rewards

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Miles

5x Hotels, vacation rentals and rental cars booked through Capital One® Travel
2x All other purchases

Intro offer: 75,000 miles after $4,000 in purchases within the first 3 months

Annual fee: $95

Regular APR: 21.24% – 29.24% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry

Visit issuer’s site directly See Rates & Fees

Pros

Strong 75K‑mile welcome bonus with a manageable spending requirement
Earns 5X miles on hotels and rental cars booked through Capital One® Travel and 2X miles on all other purchases
Offers TSA PreCheck/Global Entry credit and no foreign transaction fees
Simple, flat earnings make it easy to understand

Cons

$95 annual fee with limited travel perks compared to premium cards
Highest earning rates require booking through the Capital One® Travel portal
Miles redemption value depends on how you use Capital One transfer partners

Pointalize Final Thoughts

The Capital One Venture Rewards card is a solid choice for travelers seeking straightforward earnings: 2X miles on every purchase and 5X on hotels and rental cars booked through the portal. Its generous sign‑up bonus and TSA PreCheck/Global Entry credit enhance the overall value. While it lacks some luxury perks, it’s easy to use and has a reasonable annual fee.

Read the full review (Coming Soon)

Chase Freedom Unlimited®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

5% Travel via Chase Travel℠
3% Dining & drugstores
1.5% All other purchases

$150 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months.

Annual fee: $0

Regular APR: 18.99 – 28.99 Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

High base rate: 1.5% cash back on every purchase makes it easy to earn consistently without worrying about categories./drugstores
Bonus multipliers: 3% cash back on dining and drugstores, plus 5% on travel purchased through Chase Travel℠, make it versatile for everyday and travel spending.
Flexible redemption options: Rewards can be cashed out or transferred to premium Chase cards (like Sapphire Preferred or Reserve) for higher value through Chase Ultimate Rewards®.
No annual fee, making it a long-term keeper card.

Cons

Requires pairing: To unlock the best value (like travel transfers), you need a Chase Sapphire card – otherwise, it’s mostly just cash back.
Foreign transaction fees, which reduce its usefulness abroad.
Rewards categories can feel overlapping/confusing for beginners compared to flat-rate cards.

Pointalize Final Thoughts

The Chase Freedom Unlimited® is one of the most versatile starter and keeper cards on the market. With solid rewards across daily spending categories and the ability to scale up when paired with a Chase Sapphire card, it offers both simplicity and long-term growth potential. On its own, it’s a strong no-annual-fee cashback card; combined with Chase’s travel ecosystem, it becomes a gateway to premium redemptions and outsized value. For anyone serious about building a Chase Ultimate Rewards® strategy, this card is almost a must-have.

Read the full review (Coming Soon)

Chase Freedom Flex®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

5% cash back in quarterly bonus categories.
5% on travel purchased through Chase Travel℠.
3% on dining at restaurants, including takeout and eligible delivery services.
3% on drugstore purchases.
1% on all other purchases.

Intro offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening

Annual fee: $0

Regular APR: 18.99% – 28.49% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

5% cash back on rotating quarterly categories (up to $1,500 spend per quarter).
Strong bonus categories: 5% on Chase Travel, 3% on dining and drugstores, plus 1% everywhere else.
No annual fee, making it easy to keep long-term.

Cons

Rotating categories require activation and can feel restrictive.
Foreign transaction fees limit usefulness abroad.

Pointalize Final Thoughts

The Chase Freedom Flex® is a high-value no-annual-fee card for maximizers who don’t mind tracking categories. Paired with a Sapphire card, its rewards become even more powerful through Chase Ultimate Rewards®.

Read the full review (Coming Soon)

Citi Strata Premier℠ Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

10x points on hotels, car rentals, attractions via cititravel.com
3x points on air travel and other hotel purchases
3x points on dining, supermarkets, gas & EV charging
1x point on all other purchases

Intro offer: 60,000 points after $4,000 in purchases within the first 3 months

Annual fee: $95

Regular APR: 20.24% – 28.24% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Rental Car Insurance, Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

Earns up to 10X points on hotels, car rentals and attractions booked via Citi® Travel
3X points on air travel, restaurants, supermarkets, gas and EV charging stations
$100 annual hotel credit for a single hotel stay of $500 or more booked through Citi® Travel
No foreign transaction fees

Cons

Requires booking through Citi® Travel to maximize rewards
$95 annual fee and no first‑year waiver
Citi ThankYou transfer partners may not always provide the highest redemption value

Pointalize Final Thoughts

The Citi Strata Premier offers versatile ThankYou points and strong earning rates across travel and everyday categories. The 10X hotel and car rental earnings through Citi® Travel and 3X on dining, supermarkets, gas and flights make this a well‑rounded travel card. The $95 fee is reasonable for the benefits, though travellers must book through Citi’s portal to unlock its highest rewards.

Read the full review (Coming Soon)

Citi Double Cash® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

5% on hotel, car rentals and attractions booked with Citi Travel.
2% On everything (1% when you buy + 1% when you pay)

Intro offer: No traditional category bonus; occasional targeted offers

Annual fee: $0

Regular APR: 19.24% – 29.24% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Simple, high flat rate: Earn up to 2% cash back on everything (1% when you buy, 1% when you pay).
No annual fee, making it a long-term keeper for everyday spending.

Cons

No bonus categories or travel perks — strictly a cashback card.
Foreign transaction fees reduce value for international use.

Pointalize Final Thoughts

The Citi Double Cash® Card is all about simplicity and reliability: a flat 2% on everything without tracking categories. Great as a no-annual-fee backbone card, but not ideal if you want perks or elevated rewards on specific spend types.

Read the full review (Coming Soon)

Wells Fargo Active Cash®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Cashback

2% Cash rewards on purchases

Intro offer: $200 cash rewards after $500 spend in 3 months

Annual fee: $0

Regular APR: 19.24% – 29.24% Variable APR

Recommended credit: 690–850 (Good to Excellent)

Travel Perks: Cell Phone Protection

Visit issuer’s site directly See Rates & Fees

Pros

Unlimited 2% cash rewards on every purchase — simple and consistent.
$0 annual fee, making it an easy long-term card.
Cell phone protection (up to $600 per claim, $25 deductible) when you pay your bill with the card.

Cons

No bonus categories or travel partners — value capped at flat 2%.
Foreign transaction fees, so not ideal for international spending.

Pointalize Final Thoughts

The Wells Fargo Active Cash® Card is a straightforward 2% cash back card that works well as a core everyday spender. Great for simplicity, but not built for travelers or those chasing premium perks.

Read the full review (Coming Soon)

Marriott Bonvoy Boundless® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

Up to 17X total points at Marriott
Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
Earn 2X points per $1 on all other purchases
Annual Free Night Award, valid for a one night hotel stay at a property with a redemption level up to 35,000 points.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend. Receive 15 Elite Night Credits each calendar year. Restrictions apply. You will automatically receive Silver Elite Status each calendar year as a cardmember. Path to Gold Status when you spend $35,000 on purchases each calendar year.

Intro offer: Earn 3 Free Night Awards after spending $3,000 in first 3 months.

Annual fee: $95

Regular APR: 19.99 – 29.99 Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Hotel Status, Rental Car Insurance, Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

Generous welcome bonus often worth several free nights at Marriott properties.
Annual free night certificate (Category 1–5, up to 35,000 points) easily offsets the $95 annual fee.
15 Elite Night Credits each year toward higher Marriott status.

Cons

Best value tied to Marriott stays — limited flexibility compared to general travel cards.
Marriott award pricing can fluctuate, reducing predictability of redemptions.

Pointalize Final Thoughts

The Boundless® Card is a strong choice for frequent Marriott guests: the annual free night and elite night credits deliver solid long-term value. For those who don’t stay with Marriott often, however, flexible travel cards may offer better overall rewards.

Read the full review (Coming Soon)

Hilton Honors American Express Surpass®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

12x Hilton purchases
6x Dining, groceries & gas (US)
4x Online retail (US)
3x Other purchases

Intro offer: 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in first 6 months.

Annual fee: $150

Regular APR: 20.99 – 29.99 Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Hotel Status, Rental Car Insurance, Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

High earning rates: 12X points at Hilton, 6X at U.S. dining, groceries, and gas, 3X everywhere else.
Automatic Hilton Gold Status, including free breakfast or daily food & beverage credit at most hotels.
Free Weekend Night Reward after $15,000 spend per year.

Cons

$150 annual fee, which only makes sense if you stay at Hilton regularly.
Points have lower cent value compared to flexible travel currencies.

Pointalize Final Thoughts

The Hilton Surpass® Card is a strong mid-tier hotel card: Gold status and high earning rates make it a clear win for frequent Hilton guests. For occasional travelers, though, the annual fee and Hilton-specific rewards may be less compelling.

Read the full review (Coming Soon)

United℠ Explorer Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Miles

7x total miles on United flights – 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Explorer Card.
5x total miles on hotel stays purchased through United® Hotels – 2x miles from United as a MileagePlus® member, 2x miles with your United Explorer card, plus an additional 1x mile from United when you prepay through United Hotels.
2x miles on all other eligible United purchases
2x miles on hotel stays when booked with the hotel.
2x miles on dining including eligible delivery services.
1x mile on all other purchases.

Intro offer: Earn 60,000 bonus miles

Annual fee: $0 intro annual fee for the first year, then $150

Regular APR: 20.49% – 28.99% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry

Visit issuer’s site directly See Rates & Fees

Pros

Free first checked bag for you and one companion — a key value for regular United flyers.
Earn up to 7x miles on United purchases, 5x on United Hotels, 2x on dining and hotels; 1x everywhere else.
2 United Club one-time passes each year add extra travel perks.

Cons

$150 annual fee (waived the first year), which requires regular United use to justify.
Best value tied to flying United — limited flexibility compared to transferable points cards.

Pointalize Final Thoughts

The United℠ Explorer Card is ideal if you fly United a few times a year: the free checked bag and lounge passes alone can cover the fee. For travelers who prefer flexibility or rarely fly United, other travel cards may be more rewarding.

Read the full review (Coming Soon)

Delta SkyMiles® Gold

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Miles

2x Delta purchases
2x Dining & U.S. supermarkets
1x Other purchases

Intro offer: Earn 70,000 bonus miles after you spend $2,000 in first 6 months

Annual fee: $0 intro first year, then $150

Regular APR: 20.99 – 29.99 Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Rental Car Insurance, Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

Free first checked bag on Delta flights for you and up to 8 companions — a big savings if you fly Delta.
2X miles at restaurants, U.S. supermarkets, and Delta purchases; 1X everywhere else.
$0 intro annual fee for the first year ($150 thereafter).

Cons

Delta-specific value only — not flexible like transferable points cards.
Few premium perks compared to higher-tier Delta cards.

Pointalize Final Thoughts

The Delta SkyMiles® Gold Amex is a solid entry-level airline card: free checked bags and boosted miles on everyday categories easily justify the fee if you fly Delta a few times per year. But frequent Delta flyers may outgrow it quickly and prefer a higher-tier Delta card for lounge access and bigger perks.

Read the full review (Coming Soon)

Citi Strata℠

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

5x Hotels & car rentals via Citi® Travel
3x Supermarkets & select transit
3x 1 quarterly category (e.g., gas/dining/travel)
2x Restaurants
1x Other purchases

Intro offer: 30,000 points after $1,000 in purchases within the first 3 months

Annual fee: $0

Regular APR: 21.24% – 29.24% Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

No annual fee and a 30K‑point welcome offer with a low spending threshold
Earns 5X points on hotels and car rentals through Citi® Travel and 3X points on supermarkets and select transit
Allows cardholders to choose a quarterly bonus category for 3X earnings
No foreign transaction fees

Cons

Must select a quarterly category to maximize 3X earnings
Bonus categories have spending caps that reduce earnings once exceeded
Lacks premium travel benefits and protections

Pointalize Final Thoughts

The Citi Strata Card is a flexible no‑annual‑fee option for everyday spending. Cardholders can earn high rewards on hotels and car rentals through CitiTravel and pick a quarterly category for 3X points, making it easy to tailor rewards to your lifestyle. While it lacks premium perks, the combination of solid earnings and no annual fee makes it a strong starter or companion card.

Read the full review (Coming Soon)

Citi Simplicity® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - None

$275 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Long 0% intro APR on purchases and balance transfers (offer varies)

Annual fee: $0

Regular APR: Variable APR after intro period

Recommended credit: 660–780 (Fair to Good)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Longest 0% intro APR on balance transfers among major cards, making it excellent for debt consolidation.
No late fees, no penalty APR, and no annual fee – a unique triple combination that provides strong peace of mind.
Straightforward design: Simple, transparent terms with no hidden penalty charges.

Cons

No rewards program – you won’t earn points, miles, or cashback on purchases.
Balance transfer fee (5%, $5 minimum) adds to upfront cost when moving debt.
Limited ongoing value once the intro APR period ends.

Pointalize Final Thoughts

The Citi Simplicity® Card is exactly what the name promises – simple and forgiving. With no annual fee, no late fees, and no penalty APR, it’s built for cardholders who want breathing room and don’t want to stress about slip-ups. Its ultra-long 0% intro APR on balance transfers makes it one of the best tools for eliminating high-interest debt. However, it’s not a long-term keeper for rewards or perks, since it offers none. If your goal is to pay down balances without extra costs, this card is one of the most no-nonsense, stress-free solutions available.

Read the full review (Coming Soon)

Citi® Diamond Preferred® Card

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - None

$275 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Extended 0% intro APR on balance transfers (offer varies)

Annual fee: $0

Regular APR: Variable APR after intro period

Recommended credit: 660–780 (Fair to Good)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Very long 0% intro APR on balance transfers and purchases, making it strong for debt repayment or financing large expenses.
No annual fee, so you can keep it long-term at no cost.

Cons

No rewards program, meaning no cashback, points, or miles on spending.
Balance transfer fee (either $5 or 5% of the amount of each transfer, whichever is greater) applies, adding to the initial cost of moving debt.

Pointalize Final Thoughts

Strong pick for low-cost balance transfers without frills.

Read the full review (Coming Soon)

Wells Fargo Reflect®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - None

$275 Savings

Estimated savings over 24 months based on a $2,500 transfer at 15% APR.

Includes balance transfer fee and intro APR period. Equal payments assumed.

Intro offer: Up to ~21 months 0% intro APR on purchases & balance transfers (offer varies)

Annual fee: $0

Regular APR: 17.24% – 28.99% Variable APR

Recommended credit: 660–780 (Fair to Good)

Travel Perks: None

Visit issuer’s site directly See Rates & Fees

Pros

Exceptionally long 0% intro APR period on both purchases and balance transfers – among the best in the industry.
Cell phone protection (up to $600 per claim, $25 deductible) adds solid value for everyday users.
Flexible choice for those who need breathing room to manage existing debt or finance a large purchase without interest.

Cons

No ongoing rewards program, which limits long-term value once the intro APR ends.
Balance transfer fee (5%, $5 minimum) is higher than what some competitors charge.

Pointalize Final Thoughts

The Wells Fargo Reflect® Card is designed with one clear mission: to give you time. If your priority is paying off debt or financing big purchases without the burden of interest, this card stands out with one of the longest 0% APR offers available. However, if you’re looking for long-term rewards, cashback, or premium perks, you’ll want to look elsewhere once the intro period ends. In short, this is not a rewards card—it’s a financial breathing room card. Use it strategically, and it can be one of the most valuable tools in your wallet for debt management.

Read the full review (Coming Soon)

Bilt Mastercard®

Best For

Pointalize: ★★★★★ ★★★★★ 4.8

Rewards Rate - Points

3x Dining and Lyft rides (requires 5 transactions per month)
2x Travel purchases
1x Rent payments (up to 100,000 points per year)
1x All other purchases

Intro offer: Up to 100,000 points on rent in a calendar year

Annual fee: $0

Regular APR: 19.24 – 29.24 Variable APR

Recommended credit: 700–850 (Good to Excellent)

Travel Perks: Cell Phone Protection, Rental Car Insurance, Travel Insurance

Visit issuer’s site directly See Rates & Fees

Pros

Earns 3X points on dining and Lyft and 2X points on travel after making five purchases each month
Allows renters to earn 1X points on rent payments without a transaction fee (up to 100K points per year)
No annual fee and no foreign transaction fees
Includes travel protections, cell phone insurance and primary rental car coverage

Cons

No standard welcome bonus for new applicants
Must make at least five purchases per month to earn rewards
Base earning rate is only 1X on most purchases

Pointalize Final Thoughts

The Bilt Mastercard is unique for letting renters earn transferable points on rent without paying extra fees. It also rewards dining and travel purchases at competitive rates and comes with useful travel and purchase protections — all for no annual fee. Although it lacks a traditional welcome bonus and requires at least five transactions per month to earn rewards, it can be a valuable everyday card for renters and frequent diners.