Money · credit cards on record

The intro bonus is loud. The annual fee & APR are the fine print.

A dated record of 18 cards from public Schumer Box disclosures — annual fee, intro bonus, rewards rate and APR. Ranked by First-Year Value, a transparent calculation you can check; move the spend slider and the record re-ranks.

Fees, APRs and rewards are recorded readings, last verified Mar 2026. First-Year Value is a computed estimate (intro bonus − annual fee + spend × rate × 12) and intro-bonus values are estimates — not a guarantee. Not financial advice; confirm terms with the issuer before you apply.

Section · The ledger

Every card, ranked by what it returns in year one

All 18 cards on file, read the same way. First-Year Value is computed — intro bonus minus annual fee plus rewards on your spend. Set your monthly spend and the record re-ranks; filter by category. A row opens for pros, cons and features.

Cards

recorded readings

No annual fee

of 18 cards

0% intro APR

offers on file

Category

Recorded card terms · 18 cards · Schumer Box disclosures, last verified Mar 2026 · First-Year Value is computed
#	Card	Annual fee	Intro bonus	Rewards	APR	First-year value · computed
1	Capital One Venture Capital One · Travel · no FX fee	$95	$750	2%	19.99–29.99%	$1,135
Pros 2x miles on everything — no categories to track or activate Miles can erase any travel purchase or transfer to 15+ airline/hotel partners No foreign transaction fee and wide Visa acceptance internationally Cons $95 annual fee with no first-year waiver 5x bonus requires booking through Capital One Travel portal Key features Bonus categories 5x miles on hotels and rental cars booked through Capital One Travel, 2x miles on every other purchase. Intro APR None Foreign transaction fee No foreign transaction fee Recommended credit Good View card details →
2	Chase Sapphire Preferred Chase · Travel · no FX fee	$95	$750	1%	21.49–28.49%	$895
Pros Strong intro bonus worth ~$750 in travel for a $95 annual fee Points transfer 1:1 to airlines/hotels (Hyatt, United, Southwest, etc.) No foreign transaction fee makes it a solid travel companion Cons Low base rate of 1x on non-category spend No intro APR period — not for balance transfers Key features Bonus categories 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and streaming, 2x on other travel, 1x on everything else. Intro APR None Foreign transaction fee No foreign transaction fee Recommended credit Good View card details →
3	Amex Gold Amex · Travel · no FX fee	$250	$720	1%	21.99–29.99%	$710
Pros 4x on restaurants and groceries is one of the highest category multipliers available $120/year Uber Cash + $120/year dining credit offset most of the fee Transfer to 17+ airline and hotel partners for outsized redemption value Cons $250 annual fee is high if you don't use the statement credits Higher spend requirement ($6,000) for intro bonus compared to Chase Key features Bonus categories 4x at restaurants worldwide, 4x at U.S. supermarkets (up to $25,000/year), 3x on flights booked directly with airlines, 1x everything else. Intro APR None — this is a charge card (pay in full) Foreign transaction fee No foreign transaction fee Recommended credit Good View card details →
4	Citi Double Cash Citi · Cash Back	$0	$200	2%	18.49–28.49%	$680
Pros True 2% flat rate on all purchases with no caps No annual fee keeps your effective rate high Pairs well with Citi ThankYou ecosystem for point transfers Cons 3% foreign transaction fee makes it poor for travel No intro APR period on purchases Key features Bonus categories 2% flat on everything — 1% when you buy, 1% when you pay. No rotating categories to track. Intro APR None Foreign transaction fee 3% fee on foreign transactions Recommended credit Good View card details →
5	Wells Fargo Active Cash Wells Fargo · Cash Back	$0	$200	2%	20.24–29.99% 0% · 15 mo	$680
Pros 2% flat rate plus 15 months 0% intro APR — rare combination Low $500 spend requirement for the intro bonus Cell phone protection included when you pay your bill with this card Cons 3% foreign transaction fee Rewards capped at cash back only — no point transfer partners Key features Bonus categories 2% cash back on all purchases with no category restrictions or caps. Intro APR 0% intro APR for 15 months on purchases and balance transfers Foreign transaction fee 3% fee on foreign transactions Recommended credit Good View card details →
6	Chase Sapphire Reserve Chase · Travel · no FX fee	$550	$900	1%	22.49–29.49%	$590
Pros $300 annual travel credit brings effective fee down to $250 Points worth 50% more in Chase travel portal (1.5 cents/point) Priority Pass lounge access, Global Entry/TSA PreCheck credit Cons $550 annual fee is steep — need to travel regularly to justify Same 60K intro bonus as Sapphire Preferred despite the higher fee Key features Bonus categories 10x on hotels and car rentals via Chase, 5x on flights via Chase, 3x on dining, 1x on everything else. Points worth 1.5¢ each in Chase portal. Intro APR None Foreign transaction fee No foreign transaction fee Recommended credit Excellent View card details →
7	Capital One Quicksilver Capital One · No Annual Fee · no FX fee	$0	$200	1.5%	19.99–29.99% 0% · 15 mo	$560
Pros No foreign transaction fee — great as a simple travel wallet card 1.5% flat rate means you never earn less than that on any purchase 15 months 0% intro APR on purchases and balance transfers Cons 1.5% rate is lower than 2% flat-rate competitors No bonus categories for higher earning potential Key features Bonus categories 1.5% unlimited cash back on every purchase. No categories, no caps, no activation needed. Intro APR 0% intro APR for 15 months on purchases and balance transfers Foreign transaction fee No foreign transaction fee Recommended credit Good View card details →
8	Chase Freedom Unlimited Chase · No Annual Fee	$0	$200	1.5%	20.49–29.24% 0% · 15 mo	$560
Pros Higher category rates (3% dining, 5% Chase travel) on top of solid 1.5% base Points transfer to Chase Sapphire for premium travel redemptions 15 months 0% intro APR on purchases Cons 3% foreign transaction fee 1.5% base is slightly behind 2% flat-rate cards for non-category spend Key features Bonus categories 5% on travel purchased through Chase, 3% on dining and drugstores, 1.5% on everything else. Intro APR 0% intro APR for 15 months on purchases Foreign transaction fee 3% fee on foreign transactions Recommended credit Good View card details →
9	Discover it Cash Back Discover · Cash Back · no FX fee	$0	$300	1%	17.24–28.24% 0% · 15 mo	$540
Pros Cashback Match doubles ALL rewards in year one — effectively 2% base rate No foreign transaction fee is unusual for a no-annual-fee card Free FICO score and Social Security number monitoring Cons Discover not accepted at as many merchants as Visa/Mastercard 5% categories require quarterly activation and have a $1,500 cap Key features Bonus categories 5% on rotating quarterly categories (up to $1,500/quarter, activation required). 1% on everything else. Year one: all cash back matched (doubled). Intro APR 0% intro APR for 15 months on purchases and balance transfers Foreign transaction fee No foreign transaction fee Recommended credit Good View card details →
10	Chase Freedom Flex Chase · Cash Back	$0	$200	1%	20.49–29.24% 0% · 15 mo	$440
Pros 5% rotating categories can yield very high returns if you maximize them 3% on dining and drugstores year-round without activation Points transfer to Chase Sapphire for higher travel value Cons Rotating categories require quarterly activation — miss it and you earn 1% 3% foreign transaction fee Key features Bonus categories 5% on rotating quarterly categories (up to $1,500/quarter, activation required). 3% dining and drugstores. 1% everything else. Intro APR 0% intro APR for 15 months on purchases Foreign transaction fee 3% fee on foreign transactions Recommended credit Good View card details →
11	Blue Cash Everyday Amex · Cash Back	$0	$200	1%	19.24–29.99% 0% · 15 mo	$440
Pros 3% on groceries, gas, and online retail covers most daily spending No annual fee with 15 months intro APR Amex offers (targeted discounts at specific merchants) add hidden value Cons Grocery bonus capped at $6,000/year — families may hit the cap Not accepted everywhere internationally compared to Visa/Mastercard Key features Bonus categories 3% at U.S. supermarkets (up to $6,000/year, then 1%), 3% at U.S. gas stations, 3% on U.S. online retail purchases. Intro APR 0% intro APR for 15 months on purchases and balance transfers Foreign transaction fee 2.7% fee on foreign transactions Recommended credit Good View card details →
12	Bank of America Customized Cash Bank of America · No Annual Fee	$0	$200	1%	19.24–29.24% 0% · 15 mo	$440
Pros Choose your own 3% category — matches your highest spending area Preferred Rewards members can boost rates up to 75% (5.25% on choice category) 2% on grocery and wholesale clubs covers second-highest spending for most Cons 3% category limited to $2,500/quarter in combined choice + grocery spend 3% foreign transaction fee Key features Bonus categories 3% in your choice of category (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings). 2% at grocery stores and wholesale clubs. 1% on everything else. Combined $2,500/quarter cap on bonus categories. Intro APR 0% intro APR for 15 billing cycles on purchases and balance transfers Foreign transaction fee 3% fee on foreign transactions Recommended credit Good View card details →
13	Discover it Student Cash Back Discover · Student · no FX fee	$0	$200	1%	17.24–26.24% 0% · 6 mo	$440
Pros Cashback Match doubles all rewards in year one — best first-year value for students $20 Good Grade Reward each school year (up to 5 years) for GPA 3.0+ No foreign transaction fee and no annual fee Cons Discover has smaller merchant acceptance than Visa/Mastercard Only 6 months intro APR — shorter than most competitors Key features Bonus categories 5% on rotating quarterly categories (up to $1,500/quarter, activation required). 1% on everything else. All cash back matched at end of first year. Intro APR 0% intro APR for 6 months on purchases Foreign transaction fee No foreign transaction fee Recommended credit Fair View card details →
14	Blue Cash Preferred Amex · Cash Back	$95	$250	1%	19.24–29.99% 0% · 12 mo	$395
Pros 6% on groceries pays for the annual fee if you spend ~$160/month on groceries 6% on streaming services (Netflix, Spotify, etc.) is uniquely high Higher intro bonus ($250) than most no-fee competitors Cons $95 annual fee — you need meaningful grocery/streaming spend to justify it Grocery cap of $6,000/year limits upside for large households Key features Bonus categories 6% at U.S. supermarkets (up to $6,000/year, then 1%), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and transit. Intro APR 0% intro APR for 12 months on purchases and balance transfers Foreign transaction fee 2.7% fee on foreign transactions Recommended credit Good View card details →
15	Capital One SavorOne Student Capital One · Student · no FX fee	$0	$50	1%	19.99–29.99%	$290
Pros 3% on dining, entertainment, streaming, and groceries — covers typical student spending No foreign transaction fee is great for study abroad Automatic credit line review after 6 months of on-time payments Cons Small intro bonus ($50) compared to other student cards No intro APR period on purchases or balance transfers Key features Bonus categories 3% cash back on dining, entertainment, popular streaming services, and at grocery stores. 1% on all other purchases. Intro APR None Foreign transaction fee No foreign transaction fee Recommended credit Fair View card details →
16	Citi Simplicity Citi · Balance Transfer	$0	—	0%	18.49–29.24% 0% · 21 mo	$0
Pros One of the longest 0% intro APR periods at 21 months No late fees ever — truly penalty-free No annual fee while you pay down your balance Cons No rewards program at all — purely a debt payoff tool Balance transfer fee of 3% or $5 minimum applies Key features Bonus categories No rewards program. This card is designed for paying down debt, not earning rewards. Intro APR 0% intro APR for 21 months on balance transfers and 12 months on purchases Foreign transaction fee 3% fee on foreign transactions Recommended credit Good View card details →
17	US Bank Visa Platinum US Bank · Balance Transfer	$0	—	0%	18.74–29.74% 0% · 21 mo	$0
Pros 21 months 0% APR on both purchases and balance transfers No annual fee keeps cost at zero while paying down debt Cell phone protection when you pay your monthly bill with this card Cons No rewards program — you earn nothing on purchases US Bank has a smaller branch footprint than national competitors Key features Bonus categories No rewards program. Designed as a balance transfer and low-rate card. Intro APR 0% intro APR for 21 billing cycles on purchases and balance transfers Foreign transaction fee 3% fee on foreign transactions Recommended credit Good View card details →
18	Wells Fargo Reflect Wells Fargo · Balance Transfer	$0	—	0%	18.24–29.99% 0% · 21 mo	$0
Pros Up to 21 months 0% APR — extendable to 24 months with on-time payments No annual fee keeps total cost of balance transfer minimal Can extend to one of the longest 0% periods available if you pay on time Cons No rewards program Extension to 24 months requires perfect payment history — one late payment and you lose it Key features Bonus categories No rewards program. Built for balance transfer and large purchases you want to pay off interest-free. Intro APR 0% intro APR for 21 months on purchases and qualifying balance transfers, extendable up to 24 months with on-time minimum payments Foreign transaction fee 3% fee on foreign transactions Recommended credit Good View card details →

First-Year Value = intro bonus − annual fee + (monthly spend × base rewards rate × 12). Recorded from public Schumer Box disclosures; intro-bonus values are estimates and actual value depends on redemption.

Count the fee and the APR, not just the bonus.

The intro bonus is one year; the annual fee and ongoing APR are every year. These are dated, recorded readings — confirm the current terms with the issuer before you apply.

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APR, annual fee, intro bonus and rewards rate for all 18 cards are recorded readings from public Schumer Box disclosures, last verified Mar 2026. First-Year Value is a computed estimate (intro bonus − annual fee + monthly spend × base rate × 12), not a recorded figure or a guarantee; intro-bonus values are estimates and actual value depends on redemption. Not financial advice. Confirm terms with the issuer before you apply. Coverage on record, not a promise of accuracy.

The intro bonus is loud. The annual fee & APR are the fine print.

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Count the fee and the APR, not just the bonus.