Payment Reference Library
Card-level rules and referral programs are separate from merchant offers. Referral rewards are not included in purchase costs.
Credit cards
| Card | Purchase reward | Conditions | Referral / cap | Source |
|---|---|---|---|---|
| Amex Blue Cash Preferred | 6% groceries · 6% streaming · 3% gas ev · 1% everything else | $95 annual fee. $6,000/yr at U.S. supermarkets, then 1% | Not verifiedNot verified | Official source ↗Source pending |
| Amex Blue Cash Everyday | 3% groceries · 3% online shopping · 3% gas ev · 1% everything else | No annual fee. $6,000/yr at U.S. supermarkets, then 1% | Personal offer requiredCheck the signed-in referral offer | Official source ↗Referral ↗ |
| Amex Gold Card | 4x dining · 4x groceries · 3x travel · 1x everything else | $325 annual fee. $50,000/calendar yr at restaurants worldwide, then 1x | Not verifiedNot verified | Official source ↗Source pending |
| Amex Green Card | 3x travel · 3x transit · 3x dining · 1x everything else | $150 annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Capital One Savor | 5% travel · 3% groceries · 3% dining · 1% everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Capital One Venture | 5x travel · 5x entertainment · 2x everything else | $95 annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Capital One Venture X | 10x travel · 5x entertainment · 2x everything else | $395 annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Capital One Quicksilver | 5% travel · 5% entertainment · 1.5% everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Wells Fargo Active Cash | 2% everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Wells Fargo Autograph | 3x dining · 3x travel · 3x gas ev · 1x everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Wells Fargo Autograph Journey | 5x travel · 3x dining · 1x everything else | $95 annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Chase Freedom Flex | 5% rotating · 5% travel · 3% dining · 1% everything else | No annual fee. $1,500 combined per quarter, then 1%. Quarterly activation required | $50 per qualifying referral$500 per year; personal offer eligibility applies | Official source ↗Referral ↗ |
| Chase Freedom Unlimited | 5% travel · 3% dining · 3% drugstores · 1.5% everything else | No annual fee | $50 per qualifying referral$500 per year; personal offer eligibility applies | Official source ↗Referral ↗ |
| Chase Sapphire Preferred | 5x travel · 3x dining · 3x groceries · 1x everything else | $95 annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Chase Sapphire Reserve | 8x travel · 5x transit · 3x dining · 1x everything else | $795 annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Amazon Prime Visa | 5% online shopping · 5% travel · 2% gas ev · 1% everything else | No annual fee | $50 Amazon gift card per qualifying referral$500 in Amazon gift cards per year | Official source ↗Referral ↗ |
| Chase Ink Business Cash | 5% utilities · 2% gas ev · 2% dining · 1% everything else | No annual fee. First $25,000/yr combined office-supply + internet/cable/phone, then 1% | Not verifiedNot verified | Official source ↗Source pending |
| Citi Double Cash | 5% travel · 2% everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Citi Custom Cash | 5% top category · 1% everything else | No annual fee. First $500 per billing cycle in your single top eligible category, then 1%. Closed to new applicants | No new applicationsNot applicable | Official source ↗Referral ↗ |
| Citi Strata Premier | 10x travel · 3x dining · 3x groceries · 1x everything else | $95 annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Costco Anywhere Visa | 5% gas ev · 3% dining · 3% travel · 1% everything else | No annual fee. First $7,000/yr combined Costco gas + other gas/EV, then 1% | Not verifiedNot verified | Official source ↗Source pending |
| Discover it Cash Back | 5% rotating · 5% travel · 1% everything else | No annual fee. $1,500 combined per quarter, then 1%. Quarterly activation required | Not verifiedNot verified | Official source ↗Source pending |
| Discover it Miles | 5x travel · 1.5x everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| U.S. Bank Cash+ | 5% utilities · 5% streaming · 5% department stores · 1% everything else | No annual fee. First $2,000/quarter across the TWO chosen 5% categories, then 1%. Quarterly activation required | Not verifiedNot verified | Official source ↗Source pending |
| U.S. Bank Altitude Go | 4x dining · 2x groceries · 2x gas ev · 1x everything else | No annual fee. First $2,000 in dining per quarter, then 1x | Not verifiedNot verified | Official source ↗Source pending |
| U.S. Bank Altitude Connect | 4x travel · 4x gas ev · 2x dining · 1x everything else | $95 annual fee. First $1,000 in gas/EV per quarter, then 1x | Not verifiedNot verified | Official source ↗Source pending |
| U.S. Bank Altitude Reserve | 3x travel · 3x mobile wallet · 1x everything else | $400 annual fee. Closed to new applicants | Not verifiedNot verified | Official source ↗Source pending |
| U.S. Bank Shopper Cash Rewards | 6% retailers · 3% wholesale clubs · 3% gas ev · 1.5% everything else | $95 annual fee. First $1,500/quarter combined at TWO chosen retailers, then 1%. Quarterly activation required. Closed to new applicants | Not verifiedNot verified | Official source ↗Source pending |
| BofA Customized Cash Rewards | 3% online shopping · 3% dining · 3% travel · 1% everything else | No annual fee. First $2,500/quarter combined 3% choice + 2% grocery/wholesale, then 1% | $100 per qualifying account opened; eligibility appliesAnnual limit not verified | Official source ↗Referral ↗ |
| BofA Unlimited Cash Rewards | 1.5% everything else | No annual fee. Up to 2.625% flat with Preferred Rewards Platinum Honors | Not verifiedNot verified | Official source ↗Source pending |
| BofA Travel Rewards | 3x travel · 1.5x everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Sam's Club Mastercard | 5% gas ev · 3% dining · 3% wholesale clubs · 1% everything else | No annual fee. First $6,000/yr, then 1% | Not verifiedNot verified | Official source ↗Source pending |
| AAA Daily Advantage | 5% groceries · 3% gas ev · 3% wholesale clubs · 1% everything else | No annual fee. Max $500 cash back per calendar year across grocery/wholesale/gas bonus categories, then 1% | Not verifiedNot verified | Official source ↗Source pending |
| AAA Travel Advantage | 5% gas ev · 3% groceries · 3% dining · 1% everything else | No annual fee. Max $350 cash back/yr on the 5% gas/EV category (~$7,000 spend), then 1% | Not verifiedNot verified | Official source ↗Source pending |
| Fidelity Rewards Visa | 2x everything else | No annual fee. Full 2% requires deposit into eligible Fidelity account | Not verifiedNot verified | Official source ↗Source pending |
| Alliant Cashback Visa | 2.5% flat tier1 · 1.5% everything else | No annual fee. First $10,000/month at Tier One rate, then 1.5% | Not verifiedNot verified | Official source ↗Source pending |
| Robinhood Gold Card | 5x travel · 3x everything else | No annual fee. Requires Robinhood Gold ($50/yr or $5/mo); waitlist/invite-only | Not verifiedNot verified | Official source ↗Source pending |
| Verizon Visa | 4% groceries · 4% gas ev · 4% dining · 1% everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| Target Circle Card | 5% target · 2% gas ev · 2% dining · 1% everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| OnePay CashRewards (Walmart) | 5% walmart · 1.5% everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| PenFed Platinum Rewards | 5x gas ev · 3x groceries · 3x dining · 1x everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| PenFed Power Cash Rewards | 1.5% everything else | No annual fee | Not verifiedNot verified | Official source ↗Source pending |
| PenFed Pathfinder Rewards | 3x travel · 1.5x everything else | $95 annual fee | Not verifiedNot verified | Official source ↗Source pending |
Credit card APRs & fees
APRs below are variable unless noted, as recorded from issuer official product or pricing pages on 2026-10-25. Issuers change APRs and fees; the terms on the issuer's application page at the time you apply control. This table is for comparison only and is not a credit offer. Cards marked closed to new applicants are shown for reference only.
| Card | Regular APR | Intro purchase APR | Balance transfer | Annual fee | Source |
|---|---|---|---|---|---|
| Amex Blue Cash PreferredCash advance 28.99% variablePenalty 29.99% variableForeign txn 2.7% of each transaction after conversion to US dollars | 19.74% to 28.74% variable | 0% for the first 12 months | 0% for the first 12 months (transfers requested within 60 days of account opening) · $5 or 3% of the amount of each transfer, whichever is greater | $95 | Issuer APR page ↗ |
| Amex Blue Cash EverydayUNVERIFIED: official product page returned HTTP 403 (access denied, not retried) and no official Amex terms page for this card surfaced in search; secondary-source values were not used.APR not verified — check issuer terms | — | — | — | $0 | Issuer terms ↗ |
| Amex Gold Cardcharge card; regular_apr shown is the Pay Over Time APR stated on the official Amex prospect terms page (no standard purchase APR for a charge card); other fields not stated on official pages seen. | 19.74% to 28.74% variable (Pay Over Time) | — | — | $325 | Issuer APR page ↗ |
| Amex Green Cardcharge card; UNVERIFIED: official product page returned HTTP 403 (access denied, not retried) and the card is closed to new applicants, so Amex no longer publishes its terms; no official-page values verified.APR not verified — check issuer terms | — | — | — | $150 | Issuer terms ↗ |
| Capital One SavorCash advance 28.74% variableForeign txn NonePenalty APR not stated on official Capital One pages seen; APR/intro/BT fee fields and foreign transaction fee (None) from the official Savor product page. | 18.74% - 28.74% variable | 0% for 12 months | 0% for 12 months · 3% of amounts transferred within the first 12 months; 4% at a promotional APR thereafter | $0 | Issuer APR page ↗ |
| Capital One VentureCash advance 28.74% variableForeign txn NoneNo intro APR shown on official pages seen; penalty APR not stated on official pages seen; foreign transaction fee (None) verified on the official Venture product page. | 19.74% - 28.74% variable | — | No fee at the Transfer APR; 4% at a promotional APR | $95 | Issuer APR page ↗ |
| Capital One Venture XCash advance 28.74% variableForeign txn NoneNo intro APR or penalty APR stated on official pages seen; purchase APR and foreign transaction fee (None) from the official Venture X product page. | 19.74% - 28.74% variable | — | No fee at the Transfer APR; 4% at a promotional APR | $395 | Issuer APR page ↗ |
| Capital One QuicksilverCash advance 28.74% variableForeign txn NonePenalty APR not stated on official Capital One pages seen; APR/intro/BT fee fields and foreign transaction fee (None) from the official Quicksilver product page. | 18.74% - 28.74% variable | 0% for 15 months | 0% for 15 months · 3% of amounts transferred within the first 15 months; 4% at a promotional APR thereafter | $0 | Issuer APR page ↗ |
| Wells Fargo Active CashCash advance 29.74% variablePenalty NoneForeign txn 3% of each transaction converted to U.S. dollarsTerms page states rates correct as of September 2026. Schumer box lists penalty fees only (late payment up to $40); no penalty APR row, recorded as None. | 18.74%, 24.74% or 28.74% variable | 0% for 12 months from account opening | 0% for 12 months (transfer request within 120 days of account opening) · $5 or 3% intro for 120 days, then up to 5%, min $5 | $0 | Issuer APR page ↗ |
| Wells Fargo AutographCash advance 29.74% variablePenalty NoneForeign txn NoneIntro APR applies to purchases only; balance transfers accrue at the regular rate. No penalty APR row in Schumer box; no foreign transaction fee per terms page. Rates correct as of September 2026. | 18.74%, 24.74% or 28.74% variable | 0% for 12 months | None · $5 or 3% intro for 120 days, then up to 5%, min $5 | $0 | Issuer APR page ↗ |
| Wells Fargo Autograph JourneyCash advance 29.74% variablePenalty NoneForeign txn NoneNo intro APR offer on purchases or balance transfers. No penalty APR row in Schumer box; no foreign transaction fee per terms page. Rates correct as of September 2026. | 19.74%, 25.74% or 28.74% variable | None | None · $5 or 3% intro for 120 days, then up to 5%, min $5 | $95 | Issuer APR page ↗ |
| Chase Freedom FlexCash advance 28.74%, variablePenalty up to 29.99%, variableForeign txn NoneChase official pricing-and-terms doc. Doc states information accurate as of 9/22/2026; variable APRs based on 7.00% Prime Rate as of 9/22/2026. | 18.49%–27.99%, variable | 0% for first 15 months | 0% for first 15 months · $5 or 3% (whichever greater) on transfers within 60 days of account opening, then $5 or 5% | $0 | Issuer APR page ↗ |
| Chase Freedom UnlimitedCash advance 28.74%, variablePenalty up to 29.99%, variableForeign txn 3% of the amount of each transaction in U.S. dollarsChase official pricing-and-terms doc (separate doc from Freedom Flex; foreign-transaction fee differs: 3%, vs None on Flex). Doc states information accurate as of 9/22/2026; variable APRs based on 7.00% Prime Rate as of 9/22/2026. | 18.49%–27.99%, variable | 0% for first 15 months | 0% for first 15 months · $5 or 3% (whichever greater) on transfers within 60 days of account opening, then $5 or 5% | $0 | Issuer APR page ↗ |
| Chase Sapphire PreferredCash advance 28.74%, variablePenalty up to 29.99%, variableForeign txn NoneChase official pricing-and-terms doc. No intro APR section appears on the doc, so intro fields are null (verified absence, not a guess). Balance-transfer APR is the same 19.49%–27.74% variable range as the regular APR. Doc states information accurate as of 9/22/2026; variable APRs based on 7.00% Prime Rate as of 9/22/2026. | 19.49%–27.74%, variable | — | $5 or 5% (whichever greater) | $95 | Issuer APR page ↗ |
| Chase Sapphire ReserveCash advance 28.74%, variablePenalty up to 29.99%, variableForeign txn NoneChase official pricing-and-terms doc; product page also states 19.74%–28.24% variable APR and no foreign transaction fees. No intro APR section appears on the doc, so intro fields are null (verified absence, not a guess). Balance-transfer APR is the same 19.74%–28.24% variable range as the regular APR. Doc states information accurate as of 9/22/2026; variable APRs based on 7.00% Prime Rate as of 9/22/2026. | 19.74%–28.24%, variable | — | $5 or 5% (whichever greater) | $795 | Issuer APR page ↗ |
| Amazon Prime VisaCash advance 28.74%, variablePenalty up to 29.99%, variableForeign txn NoneChase official pricing-and-terms doc; product page also states 18.99%–27.74% variable APR. No general intro purchase/balance-transfer APR on the doc, so intro fields are null (verified absence, not a guess). The doc's separate Equal Pay promotional financing (0% APR on Amazon.com purchases for 6–48 months, divided equally) is a purchase-specific promotion, not a general intro APR, and is not recorded as one. Balance-transfer APR is the same 18.99%–27.74% variable range as the regular APR. Doc states information accurate as of 9/22/2026; variable APRs based on 7.00% Prime Rate as of 9/22/2026. | 18.99%–27.74%, variable | — | $5 or 4% (whichever greater) | $0 | Issuer APR page ↗ |
| Chase Ink Business CashPARTIAL: regular APR and 12-month 0% intro purchase APR are from Chase's official product page text as indexed; the product page's fetched text renders rewards only and its pricing footnote/Schumer doc could not be located via public text fetch, so balance-transfer fee, cash-advance APR, penalty APR, foreign-transaction fee and intro balance-transfer APR are null. The older 16.74%–24.74% figure and all third-party figures were deliberately not adopted. | 16.99%–24.99%, variable | 0% for first 12 months | — | $0 | Issuer APR page ↗ |
| Citi Double CashUNVERIFIED: official Citi product page (https://www.citi.com/credit-cards/citi-double-cash-credit-card) renders APR/fee figures as % placeholders and its FAQ only says 'See Pricing Details'; no official Citi source with rendered numbers was found via public text fetch (including Citi's cardmember-agreements page, which lists the card but no rates). Third-party figures (e.g. 18.49%–28.74% variable, 0% intro balance-transfer APR for 18 months, 3% foreign fee) were deliberately not adopted.APR not verified — check issuer terms | — | — | — | $0 | Issuer terms ↗ |
| Citi Custom CashCLOSED to new applicants: official Citi product page (https://www.citi.com/credit-cards/citi-custom-cash-credit-card) shows 'Not Available' (library status closed_to_new_applicants; Citi stopped new applications May 28, 2026). No last-published official APR was found on an official page in this session, so all fields are null.Closed to new applicantsAPR not verified — check issuer terms | — | — | — | $0 | Issuer terms ↗ |
| Citi Strata PremierCash advance 29.49%, variablePenalty up to 29.99%, variableForeign txn NoneValues from the official citi.com product-page FAQ pricing text (regular APR covers purchases and balance transfers). No intro APR is stated on the official page, so intro fields are null (verified absence, not a guess). Context only, not JSON fields: cash-advance fee $10 or 5%, minimum interest charge $0.50, annual fee $95. | 20.24%–28.24%, variable | — | $5 or 5% (whichever greater) | $95 | Issuer APR page ↗ |
| Costco Anywhere VisaForeign txn NonePARTIAL: only the foreign-transaction fee is verified on the official Citi product page (FAQ: 'Fee for foreign purchases — None' and 'does not have foreign transaction fees'). All other APR/fee figures render as % placeholders on the official page, so they are null. Third-party figures (e.g. 18.99%–26.99% variable) were deliberately not adopted.APR not verified — check issuer terms | — | — | — | $0 | Issuer APR page ↗ |
| Discover it Cash BackUNVERIFIED: official Discover category pages fetched contained no APR values; the Discover pre-approval page (cards.discover.com) returned no extractable content; no official card-specific terms page surfaced; secondary-source values were not used.APR not verified — check issuer terms | — | — | — | $0 | Issuer terms ↗ |
| Discover it MilesUNVERIFIED: official Discover category page fetched contained no APR values; no official card-specific terms page surfaced; secondary-source values were not used.APR not verified — check issuer terms | — | — | — | $0 | Issuer terms ↗ |
| U.S. Bank Cash+Cash advance 30.74% variablePenalty Not applicableForeign txn 3% of each foreign transactionTerms page states information accurate as of 10/2026. | 17.99% to 28.24% variable | 0% for first 15 billing cycles | 0% for first 15 billing cycles for balances transferred within 60 days of account opening · 5% of the amount of each transfer or $5 minimum, whichever is greater | $0 | Issuer APR page ↗ |
| U.S. Bank Altitude GoCash advance 30.74% variablePenalty Not applicableForeign txn 3% of each foreign transactionTerms page states information accurate as of 10/2026. | 17.74% to 27.74% variable | 0% for first 15 billing cycles | 0% for first 15 billing cycles for balances transferred within 60 days of account opening · 5% of the amount of each transfer or $5 minimum, whichever is greater | $0 | Issuer APR page ↗ |
| U.S. Bank Altitude ConnectCash advance 30.74% variablePenalty Not applicableForeign txn NoneTerms page states information accurate as of 10/2026. | 17.74% to 27.74% variable | 0% for first 15 billing cycles | 0% for first 15 billing cycles for balances transferred within 60 days of account opening · 5% of the amount of each transfer or $5 minimum, whichever is greater | $95 | Issuer APR page ↗ |
| U.S. Bank Altitude ReserveCLOSED to new applicants (November 2024). Product URL now redirects to U.S. Bank's generic credit-cards index; no live official pricing found and no official applications.usbank.com terms page surfaced. Only third-party roundup values exist and they were not used, per task rule.Closed to new applicantsAPR not verified — check issuer terms | — | — | — | $400 | Issuer terms ↗ |
| U.S. Bank Shopper Cash RewardsCLOSED to new applicants (June 22, 2026). Product URL now redirects to U.S. Bank's generic credit-cards index; no live official pricing found and no official applications.usbank.com terms page surfaced. Roundup APR claims conflict (17.99%-27.99% vs 18.74%-28.74%) and were not used, per task rule.Closed to new applicantsAPR not verified — check issuer terms | — | — | — | $95 | Issuer terms ↗ |
| BofA Customized Cash RewardsCash advance 20.74% to 28.74% variable for Direct Deposit and Check Cash Advances; 29.49% for Bank Cash AdvancesPenalty Up to 29.99% variable (applies on late payment, indefinitely)Foreign txn 3% of the U.S. dollar amount of each transaction made in a foreign currencyOfficial BofA disclosure page; its FEATURES section confirms this is the Customized Cash Rewards offer ($200 bonus, choice-category 6% offer) and its 17.74%-27.74% range matches the product page. | 17.74% to 27.74% variable | 0% for first 15 billing cycles | 0% for first 15 billing cycles for balance transfers made within 60 days of opening · 3% intro for first 60 days from account opening, then 5% | $0 | Issuer APR page ↗ |
| BofA Unlimited Cash RewardsRegular/intro/BT-fee values from the official product page. Cash-advance APR, penalty APR and foreign-transaction fee NOT found on an official page: the product page's Terms and Conditions link returned 404 in the text fetcher, and no card-specific official disclosure was located (four other BofA disclosures opened were different cards). Roundup claims deliberately not used; values not inferred from the Customized Cash Rewards disclosure. | 17.74% to 27.74% variable | 0% for first 15 billing cycles | 0% for first 15 billing cycles for balance transfers made within 60 days of opening · 3% intro for first 60 days from account opening, then 5% | $0 | Issuer APR page ↗ |
| BofA Travel RewardsForeign txn NoneRegular/intro/BT-fee values and no foreign transaction fees from the official product page. Cash-advance APR and penalty APR NOT found on an official page: the product page's Terms and Conditions link returned 404 in the text fetcher, and no card-specific official disclosure was located (four other BofA disclosures opened were different cards). Roundup claims deliberately not used; values not inferred from the Customized Cash Rewards disclosure. | 17.74% to 27.74% variable | 0% for first 15 billing cycles | 0% for first 15 billing cycles for balance transfers made within 60 days of opening · 3% intro for first 60 days from account opening, then 5% | $0 | Issuer APR page ↗ |
| Sam's Club MastercardCash advance 31.15% variableSynchrony pricing document stated accurate as of January 1, 2026; purchase APR 28.15% variable (prime + 21.40% margin), cash advance APR 31.15% variable (prime + 24.40%) capped at 39.99%; cash advance fee $5 or 3% whichever is greater; minimum interest charge $2.00. Balance-transfer APR/fee, penalty APR, foreign transaction fee and any intro APR not published in that document. | 28.15% variable | — | — | $0 | Issuer APR page ↗ |
| AAA Daily AdvantageCash advance 32.74% variablePenalty Up to 33.74% variableForeign txn 0%Footnote 2 on the AAA Mid-Atlantic page, for new accounts as of October 2026. Purchase and balance-transfer APRs share the 17.74%–31.74% range; minimum interest charge $3; cash advance fee greater of $10 or 5%; page states foreign transaction fees 0%. No intro APR stated. | 17.74%–31.74% variable | — | Greater of $10 or 5% | $0 | Issuer APR page ↗ |
| AAA Travel AdvantageCash advance 32.49% variablePenalty Up to 33.49% variableForeign txn 0% (no foreign transaction fees)Footnote 3 on this card's own page, for new accounts as of July 2026. Purchase and balance-transfer APRs share the 17.49%–31.49% range; minimum interest charge $3; cash advance fee greater of $10 or 5%; no foreign transaction fees and no annual fee stated. Discrepancy noted: the AAA Mid-Atlantic October 2026 page (used for Daily Advantage) shows higher figures (17.74%–31.74%, 32.74%, up to 33.74%) covering both cards; this card's own page figures are used here for source accuracy. No intro APR stated. | 17.49%–31.49% variable | — | Greater of $10 or 5% | $0 | Issuer APR page ↗ |
| Fidelity Rewards VisaOfficial product page (fidelity.com) publishes no numeric APR in its fetched content — it states only that APRs, fees and other account terms may change in the future. Third-party figures found in search (e.g. Bankrate, NerdWallet) were excluded per task rules and are not used.APR not verified — check issuer terms | — | — | — | $0 | Issuer terms ↗ |
| Alliant Cashback VisaCash advance 23.99%–27.99% variablePenalty 28.99% variableForeign txn 0% (none)Official Alliant disclosure, accurate as of October 15, 2026 (margins: purchases/balance transfers prime + 8.99%–18.99%, cash advances prime + 16.99%–20.99%, penalty prime + 21.99%). Penalty APR applies until six consecutive minimum payments; minimum interest charge $1.00; annual fee none. No intro APR rate is stated in the disclosure (it notes intro offers are not available to members who held an Alliant Visa card within the last six months). | 15.99%–25.99% variable | — | 3% of the amount of each transfer | $0 | Issuer APR page ↗ |
| Robinhood Gold CardCash advance 29.99% variablePenalty NoneForeign txn 3%Invite-only / waitlist card issued by Coastal Community Bank; rates and fees page updated July 1, 2026. Purchase APR 29.99% variable (prime + 22.99% margin); balance-transfer APR 29.99% variable; cash advance APR 29.99% variable; cash advance fee $10 or 5% whichever is greater; annual fee none with Robinhood Gold membership; minimum interest charge none. Product page states the card requires an active annual Robinhood Gold subscription if invited (no 30-day free trial). No intro APR listed. | 29.99% variable | — | None | $0 | Issuer APR page ↗ |
| Verizon VisaCash advance 26.49%, 31.49% or 37.49% variablePenalty 32.24%, 37.24% or 39.99% variableForeign txn None (no foreign transaction fees, per Verizon FAQ)Verizon FAQ figures for new accounts as of 1/1/26 (Verizon Visa Signature Card). Cash advance fee 5% ($10 minimum) per the same FAQ. FAQ wording on foreign fees is 'No annual fee and foreign transaction fees' — read as no foreign transaction fees; flagged as ambiguous wording. No intro APR stated. | 22.24%, 27.24% or 33.24% variable | — | 5% ($5 minimum) | $0 | Issuer APR page ↗ |
| Target Circle CardCash advance Prime + 22.65% variable (example billing period: 29.40%)Store card; main benefit is an instant 5% discount at Target in-store/online, no monthly or annual fees; TD Bank determines Target Credit Card vs Target Mastercard on application (Mastercard version earns 2% on dining/gas and 1% elsewhere outside Target; debit and reloadable versions are separate non-credit products). APRs in TD's pricing document (TD TC161965 R01.26) are margin formulas with a single example billing-period rate, not a published range — hence regular/cash-advance APRs are given as formulas here. Cash advance fee 3% (minimum $10, no maximum); late payment up to $41, returned payment up to $30. No balance-transfer, penalty, or intro figures stated in the document; foreign-currency transactions are converted by Mastercard at its selected rate with no separate foreign transaction fee stated (the 'None' foreign-transaction line elsewhere in the PDF belongs to the Nordstrom table, not Target, and was not used). | Prime + 21.45% variable (example billing period: 28.20%) | — | — | $0 | Issuer APR page ↗ |
| OnePay CashRewards (Walmart)Cash advance 22.49% or 32.49% variable (by account type)Synchrony document stated accurate as of October 1, 2026, CashRewards World Mastercard column. Account Type 1 (20.49% purchase / 22.49% cash advance) is noted as available only to a small subset with the strongest credit profiles; cash advance APR capped at 35.99%; cash advance fee $10 or 5% whichever is greater; minimum interest charge $2.00. Balance-transfer APR/fee, penalty APR, foreign transaction fee and any intro APR not in that table. OnePay FAQ notes applicants may be approved for either the CashRewards World Mastercard or the Walmart Spend Card and cannot choose between them. | 20.49% or 30.99% variable (by account type) | — | — | $0 | Issuer APR page ↗ |
| PenFed Platinum RewardsForeign txn 0% (no foreign transaction fees)Official product page's Schumer-style table rendered with blank '%' placeholders in the fetched content, so no numeric APR could be verified: purchase variable APR based on Prime Rate (number blank); a 12-month intro balance-transfer period on transfers made in the first days after opening is stated but its rate is blank, as is the standard balance-transfer rate, cash advance APR, penalty APR (applies if minimum payment not received within 60 days, until three consecutive on-time monthly payments) and balance-transfer fee percent; cash advance fee stated as None. Only the 'No Foreign Transaction Fees' statement was verifiable.APR not verified — check issuer terms | — | — | — | $0 | Issuer APR page ↗ |
| PenFed Power Cash RewardsOfficial PenFed product page fetch failed with a network error in this pass and was not retried per instruction; no values verified.APR not verified — check issuer terms | — | — | — | $0 | Issuer terms ↗ |
| PenFed Pathfinder RewardsOfficial PenFed product page fetch failed with a network error in this pass and was not retried per instruction; no values verified.APR not verified — check issuer terms | — | — | — | $95 | Issuer terms ↗ |
Gift card platforms
| Platform | Type / use | Referral reward | Conditions / cap | Source |
|---|---|---|---|---|
| Fluz | Gift card purchase cashback; rates vary by merchant and payment method. No live rates collected. | $5 per qualifying invite; friend must buy $15 in gift cardsNo limit on base invite count; $15 rewards minimum applies to first withdrawal/useverified | Official source ↗Referral ↗ | |
| GCX | Discounted resale gift cards and separate face-value purchases earning GCX Cash. Do not merge with Raise app offers. | $5 GCX Cash to referrer; friend reward not verifiedNo invite-count limit; referral credit expires after 180 daysverified | Official source ↗Referral ↗ | |
| CardCash | Resale gift card prices depend on face value and inventory. Referral rewards are coupons, not cash. | $5 coupon for each party; $25 minimum coupon orderUp to 5 referral credits per calendar week; household/IP and first-order terms applyverified | Official source ↗Referral ↗ | |
| Giftcards.com | New gift cards, promotions and site rewards. An affiliate application exists; consumer referral terms are not verified. | Not verifiedNot verifiedunverified | Official source ↗Source pending | |
| MyGiftCardsPlus | Gift card purchases earn linked-program rewards. Official FAQ values SB at $0.01 each; separate Swagbucks referrals must not be assumed to cover purchases here. | Not verifiedNot verifiedunverified | Official source ↗Source pending | |
| Costco | Membership gift card offers; prices and stock vary. Referral below is for membership, not gift card purchases. | Each party: $40 Digital Shop Card for Executive or $20 for Gold StarLimit one per household; automatic renewal and new-member terms apply; offer through Dec 31, 2026conditional | Official source ↗Referral ↗ | |
| Sam's Club | Member-priced gift cards. Referral below concerns membership; current reward requires the specific offer. | Membership referral available; amount not verifiedA monthly limit may apply; exact limit not verifiedconditional | Official source ↗Referral ↗ | |
| Gift Card Granny | Gift card offers and cashback. Separate affiliate program advertises 1% on qualifying sales and a 30-day cookie; not a customer shopping discount. | Consumer referral listed; current reward not verifiedNot verifiedunverified | Official source ↗Referral ↗ |
Cashback platforms
| Platform | Type / use | Referral reward | Conditions / cap | Source |
|---|---|---|---|---|
| TopCashback USA | Merchant and product eligibility must be checked. Referral requires the friend to earn $10 eligible payable cashback within 365 days and both emails to be verified. Website promotion needs separate affiliate review. | $10 per qualifying referralTotal cap not published in reviewed terms; not confirmed unlimitedverified | Official source ↗Referral ↗ | |
| Rakuten USA | Current referral campaign: register Jul 1–Sep 30, 2026 (PT), then spend $50 on qualifying purchases within 90 days. Region and eligibility rules apply. No merchant cashback rates collected. | $50 for each party under the current qualifying offerCurrent campaign advertises unlimited bonuses; commercial promotion terms need separate reviewconditional | Official source ↗Referral ↗ |
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