There are many benefits to getting a credit card with no annual fee. These cards are the best for saving money in the end. Fixed fees allow you to use the card every month without worrying about the monthly payment. You should always review the terms of your card if you have changes in spending habits or payment plans.
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne cash rewards credit card is the best option for those who want to earn cash back and not have to pay an annual fee. This card is easy in use and you can get $200 cash back if your spend $500 within 3 months. It has no enrollment or rotating categories. It also offers a welcome bonus so that you can start using it immediately.
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. If you want to transfer a balance, you will need to pay a balance transfer fee, but after the first 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 can receive your cash either as a credit card, check, direct deposit, or statement credit. The minimum amount you can redeem is $25.
This card could be a great option for those with high-interest rate 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. The balance transfer fee can add up, so you'll need to do your math before applying.
Citi Prestige
Citi Prestige credit is recommended if you plan on spending a lot on air travel. 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 then be converted for cash back or gift cards. You can also donate your points to charity, or share them among ThankYou account holders. A bonus is the ability to use your points to make $1,000 in payments towards Citi credit cards.
Find it(r), Miles
The Discover it(r), miles credit card is a great way to save on travel costs. You can earn 1.5 miles for every eligible dollar spent. The card does not require an annual fee. You can also use your miles to redeem for travel or cash.
Discover it(r. Miles) credit card can be your best choice if you want a card that is free of annual fees. It offers 1.5 miles per dollar of purchases and a 3% effective rate for the first year. This card offers flexible rewards redemption options, and doubles the rewards for account opening.