CardBenefitsFinder

US credit card benefits, checked against the issuers

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What does your credit card actually cover?

Rewards, fees, travel insurance, rental car coverage, phone and purchase protection for the personal cards of the major US issuers, each figure taken from the issuer’s own terms.

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Last full review · 45 cards from 8 issuers

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Cards by issuer

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  1. American Express

    4 personal cards1 with no annual fee

  2. Bank of America

    6 personal cards4 with no annual fee

  3. Capital One

    8 personal cards4 with no annual fee

  4. Chase

    7 personal cards5 with no annual fee

  5. Citi

    7 personal cards5 with no annual fee

  6. Discover

    3 personal cards3 with no annual fee

  7. U.S. Bank

    6 personal cards6 with no annual fee

  8. Wells Fargo

    4 personal cards3 with no annual fee

Cards with primary rental car coverage

How rental coverage works

Primary coverage pays before your own auto insurance, so a claim need not go through your insurer first. These cards state that their rental car coverage is primary in the US:

Cards whose issuer states primary rental car coverage
CardIssuerAnnual feeRewards
Chase Sapphire Preferred Credit CardChase$95Points
Capital One Venture X Rewards Credit CardCapital One$395Miles
Bank of America Premium Rewards Elite credit cardBank of America$550Points
Chase Sapphire Reserve Credit CardChase$795Points

No annual fee and no foreign transaction fee

All cards without a foreign fee

Most cards add a fee of around 3% to purchases processed abroad. These 11 cards charge neither that fee nor an annual fee:

Cards with no annual fee and no foreign transaction fee
CardIssuerRewards
Bank of America Travel Rewards credit cardBank of AmericaEarns unlimited 1.5 points per $1 on purchases and 3 points per $1 on purchases made through the Bank of America Travel Center.
Capital One Platinum Credit CardCapital OneDoes not earn rewards; designed for building credit.
Capital One Quicksilver Cash Rewards Credit CardCapital OneEarns unlimited 1.5% cash back on every purchase, 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, and 5% on Capital One Entertainment purchases.
Capital One Savor Cash Rewards Credit CardCapital OneEarns 8% cash back on Capital One Entertainment purchases, 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% on dining, entertainment, popular streaming services and grocery stores, and 1% on everything else, with no earning cap.
Capital One VentureOne Rewards Credit CardCapital OneEarns 1.25 miles per $1 on every purchase, 5 miles per $1 on hotels, vacation rentals and rental cars booked through Capital One Travel, and 5 miles per $1 on Capital One Entertainment purchases, with no earning cap.
Chase Freedom Flex Credit CardChaseEarns 5% cash back on up to $1,500 in combined purchases in quarterly bonus categories you activate, 5% on Chase Travel, 3% on dining and drugstores, and 1% on all other purchases.
Discover it Cash Back Credit CardDiscoverEarns 5% cash back on rotating quarterly categories up to the quarterly maximum when activated, 5% on Capital One Travel hotels/vacation rentals/rental cars and Capital One Entertainment tickets, and 1% on everything else.
Discover it Chrome Gas & Restaurants Credit CardDiscoverEarns 2% cash back at stand-alone gas stations and restaurants on up to $1,000 in combined purchases each calendar quarter (automatic), 5% on Capital One Travel hotels/vacation rentals/rental cars and Capital One Entertainment tickets, and 1% on everything else.
Discover it Miles Credit CardDiscoverEarns unlimited 1.5 miles per dollar on all net purchases, plus 5 miles per dollar on Capital One Travel hotels/vacation rentals/rental cars and Capital One Entertainment tickets; travel bookings on Capital One Travel cost 100 miles per $1.
U.S. Bank Altitude Connect Visa Signature CardU.S. BankEarns 5X points on prepaid hotels and car rentals booked in the U.S. Bank Travel Center, 4X on travel, 4X at gas stations and EV charging stations on the first $1,000 each quarter, 2X on dining, grocery stores and streaming, and 1X on all other eligible purchases.
Wells Fargo Autograph CardWells FargoEarns unlimited 3X points on restaurants, travel, gas and EV charging, transit, popular streaming services and phone plans, and 1X on other purchases.

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How we research

Every fee, earning rate and benefit limit is read from the issuer’s own card page, its rates and fees table or the card’s Guide to Benefits. Each one cites its source, with the date we checked it.

We do not publish welcome offers or interest rates, which change often and depend on the applicant; the issuer’s page has the offer that applies to you. Read how we work.

Card pages are re-checked at least every 60 days and when an issuer announces a change. Where an issuer does not list a benefit for a card, we say “not listed” rather than assume the card lacks it.

We are independent: no bank pays for a place on this site or reviews our pages. Report an error if a card’s terms have changed.