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 is fixed, which means that you can use the card without worry about paying the full amount each month. 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. The rewards program is straightforward and does not have rotating categories. You even get a bonus to help you get started.
Capital One SavorOne cash reward credit card does not have an annual fee. There is a 0% intro APR for balance transfers and purchases. You will have to pay a fee to transfer your balance. After the first 15 month, however, this 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 can choose to receive your cash back as a statement credit, as a check, or as a direct deposit. You can redeem any amount up to $25, with no limit.
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. You should do your math before you apply for the balance transfer fee.
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 exchanged to cash back, gift cards and other rewards. You can give your points to charity and share them with other ThankYou account holder. You can also use your points for payments of up to $1,000 towards qualifying 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. 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. Your miles can be used to travel or for 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 offers 1.5 miles per dollar of purchases and a 3% effective rate for the first year. It offers flexible rewards redemption options and doubles the rewards after account opening.