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Review: PSECU Founder’s Rewards Card

⭐⭐⭐⭐, Credit Card Reviews /

PSECU Founder’s Rewards (Pennsylvania State Employees Credit Union) is a basic cash back credit card for everyday spending. It can earn 2% without any annual fees or foreign transaction fees, which is slightly better than competing cards. The only drawback is that it requires credit union membership, and a free checking account with direct deposit enabled.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 2% cash back on everything (with eligible direct deposits, otherwise 1.5% cash back)

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Review: M1 Finance Owner’s Rewards

⭐⭐⭐, Credit Card Reviews /

The M1 Finance Owner’s Rewards Visa Signature credit card is a potentially high earner with small hoops to jump through. It earns a lot of cash back in a lot of categories, although the value will vary from person to person. In November 2022, they made some changes which we’ll take into account below.

M1 Finance is a “super app” which combines investing with a checking account and other perks. They aim to be a bank-within-an-app which can potentially replace a traditional banking relationship. This credit card is their latest shot at the traditional financial system.

FEATURES AT A GLANCE

  • No annual fee (previously waived with M1+ membership – after a free trial, it’s $125 per year)
  • No foreign transaction fees
  • 10% cash back with 11 companies (must have M1+ membership to unlock this)
  • 5% cash back with 36 other companies (must have M1+ membership to unlock this)
  • 2.5% cash back with 32 other companies (must have M1+ membership to unlock this)
  • 1.5% cash back on everything else (applies to all categories if not part of M1+)
  • Metal card

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Review: PenFed Pathfinder Rewards Visa Signature

⭐⭐⭐⭐⭐, Credit Card Reviews /

The PenFed Pathfinder Rewards Visa Signature is one of the best travel cards. Although this card technically has an annual fee, it’s so easy to avoid, Pathfinder should be considered a no-fee card. It includes essential benefits plus a variety of credits to make the card a continuous net positive.

FEATURES AT A GLANCE

  • No annual fee ($95 if you’re not a PenFed Honors Advantage Member)
  • No foreign transaction fees
  • 4x points on travel (3x if you’re not a PenFed Honors Advantage Member)
  • 1.5x points on everything else
  • $100 credit towards Global Entry or TSA PreCheck (once every 4 years)

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Review: USAlliance Financial Visa Signature

⭐⭐⭐⭐, Credit Card Reviews /

The USAlliance Financial Visa Signature card is a general-use no-fee credit card. It isn’t that popular since most people haven’t heard of the USAlliance Credit Union, but it’s a high earner worth looking into. Its simple cash back structure is attractive for both maximalists and minimalists. It’s loaded with Visa Signature perks as well.

FEATURES AT A GLANCE

  • No annual fee
  • 1% foreign transaction fee
  • 3x points on everything (until 12/31/22, then 2x points on everything as of 1/1/23)

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Review: Navy Federal Credit Union Visa Signature Flagship Rewards

⭐⭐, Credit Card Reviews /

The Navy Federal Credit Union (NFCU) Flagship Rewards credit card is a simple card for everyday use that carries a small annual fee. It covers most general spending, although other options could be better.

FEATURES AT A GLANCE

  • $49 annual fee
  • No foreign transaction fees
  • 3x points on travel
  • 2x points on everything else
  • $100 credit towards Global Entry or TSA PreCheck (once every 4 years)

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Review: Alliant Cashback Visa Signature

⭐⭐⭐, Credit Card Reviews /

The Alliant Cashback Visa Signature is a no-fee card which can earn 2.5% cash back on all purchases. It has hoops to jump through for setting this up, but might be worth the effort long-term. It’s aimed at medium-high spenders who want only 1-2 credit cards in their wallet.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 2.5% cash back on everything (if meeting certain requirements, otherwise the card earns 1.5% cash back on everything)

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