Visa Cash Rewards
No annual fee. Purchase APR 14.75–18.75%, variable.
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 1.5x Summit relationship tier — all eligible purchases; not counted: 1x Horizon relationship tier — all eligible purchases; not counted: 2x Pinnacle relationship tier — all eligible purchases.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 70% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Cobalt Rewards
- 1%Horizon relationship tier — all eligible purchases
- 1.5%Summit relationship tier — all eligible purchases
- 2%Pinnacle relationship tier — all eligible purchases
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Cash back is automatically deposited to the cardholder's Primary Savings account in July and December.
- Zero liability protection for unauthorized transactions.
- Identity theft monitoring and resolution services.
- 24/7 roadside assistance, including help for flat tires, lockouts, and towing.
- No annual fee.
- No cash advance fees.
- 25-day grace period on purchases.
- Online and mobile banking tools for card management.
- Other
Questions
- What is the annual fee?
- None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 1%. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- What is the purchase APR?
- 14.75–18.75% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$710 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$650 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$625 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).