A credit card that does not have an annual fee has 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. When your spending habits or payment plan changes, you will need to check the terms.
Capital One SavorOne Cash 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 to use and offers a $200 cash bonus after spending $500 within 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.
The Capital One SavorOne cash rewards credit card has no annual fee and a 0% intro APR on purchases and balance transfers for the first 15 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
Citi Double Cash credit card comes with no annual fee. It also earns 2% cashback for all purchases. Your cash can be received as a statement credit or a check. The minimum amount you can redeem is $25.
This card is a good option if you have high-interest debt. You can make balance transfers to pay off debt at a 3% rate, but you'll have to pay off your balance in 18 months or the interest will kick in. Balance transfer fees can add up so be sure to do the math before applying.
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 card has no annual fees and offers many benefits, including 5x points for air travel, 3x points for hotels, 1x point for everything else. You will also receive a $250 Air Travel Credit to use on your airline purchases.
The Citi Prestige credit card also offers a rewards program that lets you earn ThankYou(r) points for certain purchases. These points can then be converted for cash back or gift cards. Your points can be donated to charity or shared with other ThankYou account owners. A bonus is the ability to use your points to make $1,000 in payments towards Citi credit cards.
Find it(r), Miles
You should consider a Discover It(r) Miles card if you're looking for ways to save money when traveling. You can earn 1.5 miles for every eligible dollar spent. The card is also free of an annual charge. You can redeem your miles for cash and travel.
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. You can redeem rewards in a variety of ways and get double the rewards upon account opening.