VISA PLATINUM CASH REBATE
No annual fee.
- 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.
- 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 | $190 | $190 |
| Typical spender | $470 | $470 |
| Heavy spender | $1,010 | $1,010 |
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: 5x All purchases during the first 90 days from account opening; not counted: 5x Retail; Department Stores; Wholesale Clubs; Clothing Retailers; Electronics; Sporting goods; Toys & Toy Stores; Book Stores; Hobby Stores; Music Stores; Party Supply Stores and more — October 1 through December 31, 2026.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 90% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn
- 5%All purchases during the first 90 days from account opening
- 5%Gas; Gas Stations; Pay-at-the-Pump; Electric Vehicle Charging — January 1 through March 31, 2026
- 5%Groceries; Grocery Stores; Discount Stores; Specialty Markets; Bakeries; Convenience Stores and more — January 1 through March 31, 2026
- 5%Home Improvement; Home Improvement Stores; Roofing & Siding Repair; Equipment & Supply Rentals; Plumbing Repair & Supply; General Contractors; Home Repair Professionals; Home Appliance Stores; Carpet/Upholstery Cleaning; HVAC Professionals; Cleaning/Janitorial Services; Garden & Nursery Stores; Floor Coverings — April 1 through June 30, 2026
- 5%Travel & Entertainment; Airlines & Transportation; Rental Vehicles; Hotels, Lodging & Resorts; Restaurants & Dining; Museums & Attractions; Movie Theaters; Amusement Parks; School & Office Supplies; Hair Salons & Barbershops; Clothing & Uniform Stores; Electronics & Bookstores — July 1 through September 30, 2026
- 5%Retail; Department Stores; Wholesale Clubs; Clothing Retailers; Electronics; Sporting goods; Toys & Toy Stores; Book Stores; Hobby Stores; Music Stores; Party Supply Stores and more — October 1 through December 31, 2026
- 1.5%Everything else
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. |
|---|---|
| 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. |
| Minimum interest charge | 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
- Travel and Emergency Assistance.
- Fraud Alerts and VISA Purchase Alerts are available, with enrollment required for the free alerts.
- Online Banking access for bill payment, balance checking, and spending alerts.
- Contactless tap-to-pay capability.
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?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$240 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$180 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$155 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).