Start Here Cards Banking Blog About

Start My Bonus Plan

Get weekly bank payout plays

Bonus offers, APY opportunities, and fee traps to avoid.

The Stack

The rewards site that tells you exactly what to do next.

© 2026 The Stack. All rights reserved.

About Banking Privacy Terms Affiliate Disclosure Contact

Commonwealth Starter | The Stack

Cards/Commonwealth Starter

Commonwealth

Commonwealth Starter

Commonwealth Starter by Commonwealth with no annual fee

Best for general spending

Annual Fee

Free

Credit Profile

Building credit

Reward Style

Cash back

Foreign Spend

3% fee

Quick Verdict

A starter card for people building or rebuilding credit. No annual fee, no deposit required, and still earns 1.5% cash back on everything.

Estimated First-Year Net Value

+$0

Estimate = welcome offer + listed perks value - annual fee. Actual results vary.

•Building credit or better

•You prefer no-annual-fee cards

•You want a solid all-around card

Compare against another card Back to card directory

First-Year Value Snapshot

Welcome Offer Est.

No current offer listed

Perks Value Est.

Not enough data

Annual Fee

Free

How You Earn (Cash Back)

All

1.5%

What We Like / Watch Outs

Pros

+No deposit required unlike most credit-building cards
+1.5% flat rate is strong for a building-credit card
+Reports to all three bureaus
+No annual fee

Cons

-Lower credit limit initially
-No sign-up bonus
-3% foreign transaction fee

Rates & Terms

Credit needed: Building credit
Intro APR: No intro APR listed
Regular APR: Varies by issuer terms
Foreign transaction fee: 3%
Network: visa

Rates and offers can change. Confirm final terms on the issuer site before applying.

Is It a Fit?

Good fit if:

•Building credit or better
•You prefer no-annual-fee cards
•You want a solid all-around card

Think twice if:

•You spend heavily outside the U.S.
•You prefer travel transfer partner redemptions

Next Step

Compare this card against alternatives before deciding.

Compare Cards Find Better-Fit Cards