People who don't want to pay an annual charge for credit cards can choose no annual fee credit cards. There may be additional fees such as an annual percentage fee that is charged for balance transfers or purchases. If the rewards provided by these cards are greater than the annual fees, the annual charge on these cards can be justified. You can earn rewards by spending a lot of money in a certain category.
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. You can earn as much as 2% cashback on your purchases and payments. There is no annual fee. The card also comes with a sign-up bonus that is free and no annual spending limit. This card offers cashback matching, but you will need to do some work to make it work.
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 1c per point and can be transferred to Chase credit cards or airline partners for a 1:1 transfer. There are other benefits, including a cell telephone protection plan. With this plan, cardholders can receive up to $1,000 in insurance per year in the event of an accident. The plan also comes with a $50deductible that allows you to make up to 2 claims each year.
Citi(r) Double Cash Card
Citi Double Cash Card has one of the most popular no-annual fee 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 even more cashback you can combine the card and other Citi rewards cards.
Amex EveryDay(r).
Amex Everyday (r), and Amex Everyday Prened credit cards, both with no annual fees, offer no annual fees. The benefits and earning structure of these cards is similar. Each card earns two Membership Rewards points for every dollar spent in U.S. grocery stores, and one for every $1 spent elsewhere. Both cards come with 20% bonus points, which can be converted into cash.
Bank of America Customized Cash
The Bank of America Customized Cash No Annual Fee Card has a low annual charge and offers an attractive introductory APR. But, the benefits and rewards it offers are very limited. Its introductory APR of 0% applies to purchases and balance transfers.
Hilton Honors Amex
Hilton Honors Amex is worth considering if you're a regular Hilton guest. For a limited time, new cardmembers can earn up to 80,000 points after spending $1,000 on eligible purchases. These points are valid at participating Hilton properties, as well as at U.S. restaurants and supermarkets. You can also earn 3X points for other eligible purchases