For those who don’t want to pay an annually fee, credit cards that do not have annual fees are a great choice. These cards might have additional fees, such an annual percentage rate that applies for balance transfers and purchases. If the rewards provided by these cards are greater than the annual fees, the annual charge on these cards can be justified. Spending a significant amount of money on a specific category will earn you rewards.
Discover it(r), Get Cash Back
The Discover it(r) Cash Back no annual fees credit card is an ideal option for people who want to maximize the amount of cash they earn from their spending. This card gives you up to 2% cashback for purchases and payments. It also has no annual fee. You also get a free sign-up bonus, and there is no annual spending cap. You will need to work hard to get cashback with this card.
Chase Freedom Flex
For travelers looking for a card with no annual fees and high rewards points, the Chase Freedom Flex credit card has no annual fee. The card earns 1 cent per points and can be transferred to Chase credit and airline partners for 1:1 transfers. Other benefits include a cell-phone protection plan and Chase credit cards. Cardholders are eligible for up to $1,000 worth of insurance each year in the unlikely event of an injury. You can also claim up to two times per year and have a $50 deductible.
Citi(r). Double Cash Card
Citi Double Cash Card, which has no annual fees, is one of today's best credit cards. You get 2% cash back when you purchase certain categories. This is a great deal for anyone who loves earning cash back. The 0% APR offer on balance transfer transactions is also a bonus. To earn more cash back, you can combine your Citi Rewards Card with other Citi cards.
Amex EveryDay(r)
Amex EveryDay (r), no annual credit card fee, and Amex EveryDayPreferred credit cards have no annual fees. These cards are similar in terms of earning structure and benefits. For example, both earn two Membership Rewards points for every dollar you spend at U.S. supermarkets, and one point for every dollar spent elsewhere. Each card comes with a bonus of 20% points that can be converted into cash.
Bank of America Customized Cash
The Bank of America Customized Cash card with no annual fees has a low annual cost and offers a generous introductory rate. The benefits and rewards of this card are limited. Its introductory APR is 0% on purchases and extends to balance transfers.
Hilton Honors Amex
If you're a frequent Hilton guest, the Hilton Honors Amex credit card is worth considering. A limited time offer: New cardmembers may earn up 80,000 points by spending $1,000 on eligible transactions. These points can be used at Hilton properties as well as U.S. supermarkets and restaurants. Other eligible purchases are also eligible for 3X points.