No credit check to apply

Chime Credit Builder Visa

Regular APR

No interest, 0% APRIssuer terms as published, checked Aug 30, 2026

Credit line

Set by the money you move to the card

Intro APR

Not applicable, the card carries no balance

How to apply

Online only, through the Chime app

Main requirement

An open Chime Checking Account

It cannot charge interest because you can only spend what you move over, and there is no security deposit or late fee. The catch is that it earns almost nothing and you have to bank with Chime to hold it.

Longest 0% window we cover

Wells Fargo Reflect Card

Regular APR

17.49%, 23.99% or 28.24% variable APRIssuer terms as published, checked Aug 30, 2026

Credit line

Set at approval

Intro APR

0% intro APR for 21 months on purchases and qualifying balance transfers

How to apply

Online, or at a Wells Fargo branch

Main requirement

Good to excellent credit

Almost two years without interest, and nothing else. No rewards, no welcome bonus, a 5% balance transfer fee with a $5 minimum, and transfers only qualify if they post within 120 days of opening.

2% back for the first year

Bank of America Unlimited Cash Rewards

Regular APR

17.49% to 27.49% variable APRIssuer terms as published, checked Aug 30, 2026

Credit line

Set at approval

Intro APR

0% intro APR for 15 billing cycles on purchases, and on transfers made in the first 60 days

How to apply

Online, or at a Bank of America branch

Main requirement

Good to excellent credit

The flat rate drops from 2% to 1.5% after the first year unless you hold enough with Bank of America to reach a BofA Rewards tier. The 3% foreign transaction fee makes it a bad card to take abroad.

You pick the 5% categories

U.S. Bank Cash+ Visa Signature

Regular APR

17.74% to 27.99% variable APRIssuer terms as published, checked Aug 30, 2026

Credit line

Set at approval

Intro APR

0% intro APR for the first 15 billing cycles on purchases and balance transfers

How to apply

Online, or at a U.S. Bank branch

Main requirement

Good to excellent credit

You choose two 5% categories every quarter, capped at $2,000 combined, and you have to register them or the same spending earns 1%. The welcome bonus has been advertised at both $200 and $250, so check which offer is live.

$200 bonus after $500 in 3 months

Chase Freedom Flex

Regular APR

18.24% to 27.74% variable APRIssuer terms as published, checked Aug 30, 2026

Credit line

Set at approval

Intro APR

0% intro APR for 15 months on purchases and balance transfers

How to apply

Online, or at a Chase branch

Main requirement

Good to excellent credit

The 5% rotating categories cap at $1,500 per quarter and need activation every quarter. Dining and drugstores earn 3% all year, which is what makes it work even when the rotating category is a miss.

20,000 points after $1,000 in 3 months

Wells Fargo Autograph Card

Regular APR

18.49%, 24.49% or 28.49% variable APRIssuer terms as published, checked Aug 30, 2026

Credit line

Set at approval

Intro APR

0% intro APR for 12 months on purchases

How to apply

Online, or at a Wells Fargo branch

Main requirement

Good credit, commonly reported around 700+

Three points per dollar on dining, travel, gas, transit, streaming and phone plans, with no annual fee and no foreign transaction fee. The categories are fixed, so it rewards a spending pattern rather than a strategy.

80,000 bonus miles after $5,000 in 3 months

United Club Infinite Card

Regular APR

19.74% to 28.24% variable APRIssuer terms as published, checked Aug 30, 2026

Credit line

Set at approval

Intro APR

No intro APR offer

How to apply

Online, or at a Chase branch

Main requirement

Excellent credit and enough United flying to use the perks

The annual fee went from $525 to $695 in 2026. It only makes sense if the United Club membership, the two free checked bags and the annual credits are things you would actually use.