There are many benefits to getting a credit card with no annual fee. These cards will save you the most money over the long-term. The annual fee is fixed, which means that you can use the card without worry about paying the full amount each month. When your spending habits or payment plan changes, you will need to check the terms.
Capital One SavorOne Cash 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. The card is simple to use and comes with a $200 cash bonus if you spend $500 within three months. It has no enrollment or rotating categories. You can even get started right away with the welcome bonus.
Capital One SavorOne cash rewards credit cards have no annual fees. The card also has a 0% intro rate for purchases and balance transfers within 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. You have the option to receive your cash as a statement credits, a check or as a direct deposit. You can redeem any amount up to $25, with no limit.
This card is ideal for high interest debt. 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. Balance transfer fees can add up so be sure to do the math before applying.
Citi Prestige
Citi Prestige credit is recommended if you plan on spending a lot on air travel. This no annual fee card offers a variety of benefits including 5x points on air travel, 3x points on hotels, and 1x point on everything else. This card comes with a $250 Air Travel Credit. You can use it towards any airline purchases.
Citi Prestige creditcard also has a rewards program. You can earn ThankYou(r), for certain purchases. These points can be used to exchange for cash back, gift cards, or other perks. You can even donate your points to charity or share them with other 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
A Discover it(r), Miles credit card might be worth looking into if you are looking to travel less. It has a simple reward program that allows you to earn 1.5 Miles for every eligible dollar you spend. Plus, the card doesn't require an annual fee. You can redeem your miles for cash and travel.
Discover it(r. Miles) credit card can be your best choice if you want a card that is free of 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.