A credit card that does not have an annual fee has many benefits. These cards will help you save money in the long term. You can use the card with no monthly fees because the annual fee is set. You should always review the terms of your card if you have changes in spending habits or payment plans.
Capital One SavorOne Credit Card - 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. The card is simple to use and comes with a $200 cash bonus if you spend $500 within three months. The rewards program has no rotating categories and is easy to enroll in. It also offers a welcome bonus so that you can start using it immediately.
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. Transferring a balance will require you to pay a balance transfer fee. However, after 15 months the fee is waived.
Citi Double Cash
Citi Double Cash credit cards have no annual fees and earn 2% cashback on all purchases. You can choose to receive cash back in the form of a statement credit (or a check), or as direct deposits. The minimum redeemable amount for cash is $25. There are no limits on how much you can redeem.
If you have a high interest rate debt, this card may be an ideal option for you. You can make balance transfers to pay off debt at a 3% rate, but you'll have to pay off your balance in 18 months or the interest will kick in. Balance transfer fees can add up so be sure to do the math before applying.
Citi Prestige
If you plan to spend a lot of money on air travel, you may want to consider the Citi Prestige credit card. You get 5x points on air travel, 3x on hotels and 1x on all other benefits with this card. The card also includes a $250 Air Travel Credit which can be used towards airline purchases.
Citi Prestige credit-card offers a rewards program which lets you earn ThankYou (r) points for certain purchase. These points can be exchanged for gift cards, cash back, and more. 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.
Discover it(r), Miles
A Discover it(r), Miles credit card might be worth looking into if you are looking to travel less. It offers a simple reward program that lets you earn 1.5 miles per eligible dollar you spend. There is no annual fee for the card. You can also use your miles to redeem for travel or cash.
Discover it(r. Miles) credit card can be your best choice if you want a card that is free of annual fees. The card offers 1.5 miles for every dollar spent and a 3% effective interest rate for the first year. You can redeem rewards in a variety of ways and get double the rewards upon account opening.