Credit cards that don't have an annual fee offer many benefits. These cards can help you save the most over time. The annual fee for the card is fixed. This means you can use it without worrying about having to pay the full amount each monthly. Of course, you should check the terms of the card when your spending habits and payment plans change over time.
Capital One SavorOne Cash Reward Credit Card
Capital One SavorOne Rewards credit card is the perfect choice for people who want cash back but don't have to pay an annually fee. This card is easy in use and you can get $200 cash back if your spend $500 within 3 months. Its rewards program is simple, with no rotating categories or enrollment process. You even get a bonus to help you get started.
Capital One SavorOne cash credit card offers no annual fee, a 0% intro introductory APR on purchases and balance transfer for the first fifteen months. Balance transfers require that you pay a balance transfer fee. This fee is waived after the first 15-months.
Citi Double Cash
Citi Double Cash credit cards have no annual fees and earn 2% cashback on all purchases. You can choose to receive your cash back as a statement credit, as a check, or as a direct deposit. The minimum redeemable amount is $25 and there is no limit to the amount you can redeem.
This card might be the right choice for you if you have high interest rates debt. The balance transfer option is available to pay off debt at the 3% rate. However, your balance must be paid off in 18 months. Otherwise, interest will begin. You should do your math before you apply for the balance transfer fee.
Citi Prestige
If you plan to spend a lot of money on air travel, you may want to consider the Citi Prestige credit card. This no annual fee card offers a variety of benefits including 5x points on air travel, 3x points on hotels, and 1x point on everything else. This card comes with a $250 Air Travel Credit. You can use it towards any airline purchases.
Citi Prestige creditcard also has a rewards program. You can earn ThankYou(r), for certain purchases. These points can be used to exchange for cash back, gift cards, or other perks. You can also donate your points to charity, or share them among ThankYou account holders. Another perk is that you can use your points to make payments up to $1,000 toward qualifying Citi credit lines.
It(r) Miles
A Discover it(r), Miles credit card might be worth looking into if you are looking to travel less. It has a simple reward program that allows you to earn 1.5 Miles for every eligible dollar you spend. There is no annual fee for the card. You can also redeem your miles for travel or cash.
You can apply for the Discover it(r), miles credit card without an annual fee if you're in search of a free credit card. The card offers 1.5 miles for every dollar spent and a 3% effective interest rate for the first year. You can redeem rewards in a variety of ways and get double the rewards upon account opening.