CardBenefitsFinder

US credit card benefits, checked against the issuers

Try a card (“Sapphire Preferred”), a bank (“Citi”) or a benefit (“cell phone protection”).

Menu navigation

Card issuers

The bank behind a card writes its benefit terms, chooses its insurer and decides how rewards are redeemed. These are the 8 issuers whose own-brand personal cards we cover, with every card currently open to applicants.

Issuers

  1. American Express

    American Express lists 13 personal cards in its U.S. catalog, most of them co-branded with Delta, Hilton or Marriott Bonvoy. This site covers the four cards under its own brand: the Platinum Card and the Gold Card, which earn Membership Rewards points, and the Blue Cash Preferred and Blue Cash Everyday cards, which earn cash back.

    Gold, Blue Cash Everyday, Blue Cash Preferred, Platinum

    4 cards1 with no annual fee2 with no foreign transaction fee

  2. Bank of America

    Bank of America's own-brand personal cards are three no-annual-fee rewards cards (Customized Cash Rewards, Unlimited Cash Rewards and Travel Rewards), the BankAmericard without a rewards program, and the annual-fee Premium Rewards and Premium Rewards Elite cards. Student and secured versions exist for the four no-annual-fee cards, and card rewards can be raised through the BofA Rewards relationship program.

    Customized Cash Rewards, Premium Rewards, Premium Rewards Elite, Travel Rewards, Unlimited Cash Rewards, BankAmericard

    6 cards4 with no annual fee3 with no foreign transaction fee

  3. Capital One

    Capital One's own-brand personal cards fall into three families: Venture X, Venture and VentureOne earn miles, Quicksilver, QuicksilverOne, Savor and SavorOne earn cash back, and Platinum earns no rewards, with Good Credit, student and secured versions of several of them. Annual fees in the catalog run from $0 on most cards to $39 on QuicksilverOne and SavorOne, $95 on Venture and $395 on Venture X.

    Platinum, Quicksilver, QuicksilverOne, Savor, SavorOne, Venture, Venture X, VentureOne

    8 cards4 with no annual fee8 with no foreign transaction fee

  4. Chase

    Chase's personal card catalog lists seven Chase-branded cards: Freedom Flex, Freedom Unlimited, Freedom Rise, Sapphire Preferred, Sapphire Reserve, Slate and Slate Edge. The rest of the catalog consists of co-branded airline, hotel and retail cards and Ink business cards, which this site does not cover.

    Freedom Flex, Freedom Rise, Freedom Unlimited, Sapphire Preferred, Sapphire Reserve, Slate, Slate Edge

    7 cards5 with no annual fee3 with no foreign transaction fee

  5. Citi

    Citi's own card catalog mixes co-branded and store cards with its Citi-branded personal cards, which run from no-annual-fee cards such as the Simplicity, Diamond Preferred and Secured Mastercard up to the Strata Elite with its $595 annual fee. The Strata Elite, Strata Premier and Strata cards and the Double Cash Card earn Citi ThankYou Points.

    Diamond Preferred, Double Cash, Secured Mastercard, Simplicity, Strata, Strata Elite, Strata Premier

    7 cards5 with no annual fee2 with no foreign transaction fee

  6. Discover

    Discover's personal lineup is six no-annual-fee cards: Discover it Cash Back, Discover it Chrome, Discover it Miles, a secured card, and student versions of the Cash Back and Chrome cards. Since Discover merged into Capital One on May 18, 2025, the cards have been issued by Capital One, N.A..

    Discover it Cash Back, Discover it Chrome, Discover it Miles

    3 cards3 with no annual fee3 with no foreign transaction fee

  7. U.S. Bank

    U.S. Bank's benefits page lists eight personal U.S. Bank-branded cards open to new applicants: the Smartly, Shield, Altitude Go, Altitude Connect and Cash+ cards, and three secured cards, the Altitude Go Secured, Cash+ Secured and Secured Visa. The cards are issued by U.S. Bank National Association and are available to United States residents only.

    Altitude Connect, Altitude Go, Cash+, Secured Visa, Shield, Smartly

    6 cards6 with no annual fee1 with no foreign transaction fee

  8. Wells Fargo

    Wells Fargo's credit card catalog listed 9 cards on 2026-10-10; the Wells Fargo-branded personal cards among them are Active Cash, Autograph, Autograph Journey and Reflect, while the rest are co-branded One Key and Choice Privileges cards and the Signify Business Cash card. Active Cash earns cash rewards and the two Autograph cards earn points, all within the Wells Fargo Rewards program.

    Active Cash, Autograph, Autograph Journey, Reflect

    4 cards3 with no annual fee2 with no foreign transaction fee