No Rewards — 4 cards
Platinum
from Capital OneCapital One
PlatinumNo annual feeVisa
WELCOME OFFER
No welcome bonus — this is a no-rewards credit-building cardas of 2026-07-10
- ANNUAL FEE
- $0
- FOREIGN TX FEE
- None
- REWARDS
- none (no rewards)
EARNING RATES
- N/A
- Automatic credit line reviews for responsible use
- Free CreditWise credit monitoring
- Pre-qualification with no impact to credit score
Chase Slate
from ChaseChase
Chase SlateNo annual feeVisa
WELCOME OFFER
No welcome bonus; the draw is 0% intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24%-28.24%as of 2026-07-10
- ANNUAL FEE
- $0
- FOREIGN TX FEE
- 3% (TODO-verify)
- REWARDS
- none (no rewards)
EARNING RATES
- N/A
- 0% intro APR for 21 months (purchases + balance transfers)
- Balance transfer fee of $5 or 5%, whichever is greater (per Bankrate/CNBC; the chase.com page does not state the exact amount)
Citi Simplicity® Credit Card
from CitiCiti
Citi Simplicity® Credit CardNo annual feeMastercard
WELCOME OFFER
No welcome offer; the core pitch is a 0% intro APR: 18 months on balance transfers (confirmed by multiple sources July 2026; intro balance transfer fee 3% within the first 4 months, then 5%), while the purchase intro period varies slightly across sources — go by what citi.com actually displays; no late fees / no penalty rate.as of 2026-07-10
- ANNUAL FEE
- $0
- FOREIGN TX FEE
- 3%
- REWARDS
- none (no rewards)
EARNING RATES
- N/A
- No late fees
- No penalty rate (penalty APR)
Citi® Diamond Preferred® Credit Card
from CitiCiti
Citi® Diamond Preferred® Credit CardNo annual feeMastercard
WELCOME OFFER
No welcome offer; the core pitch is a 0% intro APR: 21 months on balance transfers (confirmed by multiple sources July 2026; intro balance transfer fee 3% within the first 4 months, then 5%) + 12 months on new purchases.as of 2026-07-10
- ANNUAL FEE
- $0
- FOREIGN TX FEE
- 3%
- REWARDS
- none (no rewards)
EARNING RATES
- N/A
- One of the longest 0% balance transfer intro periods in the industry (21 months)