There are many advantages to getting a creditcard with no annual fees. These cards will save you the most money over the long-term. 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 Rewards Credit Card
The Capital One SavorOne Cash Rewards Credit Card is the perfect card for people who want to earn cash back without having to pay an annual fee. This card is easy-to-use and provides a $200 cash reward for spending $500 within 3 month. The rewards program is straightforward and does not have 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. The balance transfer fee will be charged if you wish to transfer a current balance. However, it is waived after 15 months.
Citi Double Cash
Citi Double Cash credit cards have no annual fees and earn 2% cashback on all purchases. You can receive your cash either as a credit card, check, direct deposit, or statement credit. You can redeem any amount up to $25, with no limit.
This card might be the right choice for you if you have high interest rates 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. Be aware that the balance transfer fee can be high so make sure to do your math carefully 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. You will also receive a $250 Air Travel Credit to use on your airline purchases.
Citi Prestige creditcard also has a rewards program. You can earn ThankYou(r), for certain purchases. These points can be exchanged to cash back, gift cards and other rewards. You can even donate your points to charity or share them with other ThankYou account holders. Another benefit is that your points can be used to make up to $1,000 payment towards Citi credit lines.
It(r) Miles
Consider a Discover it(r] Miles creditcard if your goal is to save money on travel. It offers a simple reward program that lets you earn 1.5 miles per eligible dollar you spend. The card is also free of an annual charge. 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. You get 1.5 miles per dollar on purchases, and a 3% rate of interest for the first one year. Flexible rewards redemption options are available and the card doubles your rewards when you open an account.