A credit card without an annual fee offers many benefits. These cards will help you save money in 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. 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 Rewards Credit Card is the ideal card for those who wish to earn cash back without paying an annual fee. This card is easy to use and offers a $200 cash bonus after spending $500 within 3 months. Its rewards program is simple, with no rotating categories or enrollment process. It also offers a welcome bonus so that you can start using it immediately.
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. 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. Your cash can be received as a statement credit or a check. 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. 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. It is possible for balance transfers to cost more so do your calculations before applying.
Citi Prestige
Citi Prestige credit card is a good option if you are planning to travel extensively. You get 5x points on air travel, 3x on hotels and 1x on all other benefits with this card. You will also receive a $250 Air Travel Credit to use on your airline purchases.
Citi Prestige credit card offers a rewards program, which allows you to earn ThankYou(r), point for certain purchases. These points can be exchanged to cash back, gift cards and other rewards. 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.
Explore it(r) Miles
You should consider a Discover It(r) Miles card if you're looking for ways to save money when traveling. The card offers a simple reward program, which allows you to earn 1.5 miles for every dollar spent. You don't have to pay an annual fee. You can also use your miles to redeem 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. The card comes with flexible rewards redemption options and doubles the rewards at account opening.