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 is fixed, which means that you can use the card without worry about paying the full amount each month. If your spending habits change or your payment plans change, it is important to review the terms.
Capital One SavorOne Rewards Credit Card
Capital One SavorOne Rewards Card is the card to choose if you want to earn cashback without paying an annual charge. This card is easy and offers $200 cash back after you spend $500 within the first 3 months. The rewards program has no rotating categories and is easy to enroll in. 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. Transferring a balance will require you to pay a balance transfer fee. However, after 15 months the fee is waived.
Citi Double Cash
The Citi Double Cash credit card has no annual fee and earns 2% cash back on all purchases. You have the option to receive your cash as a statement credits, a check or as a direct deposit. The minimum amount you can redeem is $25.
This card is a good option if you have high-interest debt. While you can balance transfer to repay debt at a rate of 3%, you will need to pay off the balance within 18 months or interest will start. 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. The Citi Prestige credit card is free of annual fees. It offers 5x points when you fly, 3x points when you stay in hotels, and 1x for all other travel. This card comes with a $250 Air Travel Credit. You can use it towards any airline purchases.
Citi Prestige credit cards also offer a rewards program where you can earn ThankYou(r), points 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. You can also use your points for payments of up to $1,000 towards qualifying Citi credit lines.
Discover it(r), Miles
The Discover it(r), miles credit card is a great way to save on travel costs. It comes with a simple reward program which lets you earn 1.5 points for every dollar you spend. There is no annual fee for the card. You can also redeem your miles for travel or cash.
The Discover it(r), Miles credit card is available for free if you are looking for a credit card with no annual fees. It provides 1.5 miles per $1 spent, as well as a 3% effective rate in the first year. This card offers flexible rewards redemption options, and doubles the rewards for account opening.