A credit card that does not have an annual fee has many benefits. These cards are the best for saving money in the end. The annual fee is fixed, which means that you can use the card without worry about paying the full amount each month. 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
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 and offers $200 cash back after you spend $500 within the first 3 months. It has no enrollment or rotating categories. You even get a bonus to help you get started.
Capital One SavorOne cash Rewards credit card comes with no annual fees and a 0% intro interest rate on balance transfers and purchases for the first 15 month. 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 creditcard has no annual fees and earns 2% cashback on all your purchases. Your cash can be received as a statement credit or a check. The minimum redeemable amount is $25 and there is no limit to the amount you can redeem.
If you have a high interest rate debt, this card may be an ideal option for you. Balance transfers can be made to reduce debt at a 3% interest rate. However, you must pay your balance off within 18 months to avoid the interest. It is possible for balance transfers to cost more so do your calculations before applying.
Citi Prestige
Citi Prestige creditcard is an option for anyone who plans to travel frequently. You get 5x points on air travel, 3x on hotels and 1x on all other benefits with this card. It also comes with a $250 Air Travel Credit, which you can use toward your airline purchases.
Citi Prestige creditcard also has a rewards program. You can earn ThankYou(r), for certain purchases. These points can be exchanged for gift cards, cash back, and more. Your points can be donated to charity or shared with other ThankYou account owners. Another benefit is that your points can be used to make up to $1,000 payment towards Citi credit lines.
Discover it(r), Miles
A Discover it(r), Miles credit card might be worth looking into if you are looking to travel less. It offers a simple reward program that lets you earn 1.5 miles per eligible dollar you spend. Plus, the card doesn't require an annual fee. Your miles can be used to travel or for cash.
If you're looking for a no-fee credit card, you can get the Discover it(r) Miles credit card for no annual fee. You get 1.5 miles per dollar on purchases, and a 3% rate of interest for the first one year. The card comes with flexible rewards redemption options and doubles the rewards at account opening.