A credit card that does not have an annual fee has many benefits. These cards will save you the most money over the long-term. You can use the card with no monthly fees because the annual fee is set. The terms of the card should be reviewed if your spending habits or payment plans change.
Capital One SavorOne Cash Reward 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. This card is easy and offers $200 cash back after you spend $500 within the first 3 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. The balance transfer fee will be charged if you wish to transfer a current balance. However, it is waived after 15 months.
Citi Double Cash
The Citi Double Cash credit card has no annual fee and earns 2% cash back on all purchases. Your cash can be received as a statement credit or a check. The minimum redeemable amount is $25 and there is no limit to the amount you can redeem.
This card is ideal for high interest debt. While you can balance transfer to repay debt at a rate of 3%, you will need to pay off the balance within 18 months or interest will start. 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. The card has no annual fees and offers many benefits, including 5x points for air travel, 3x points for hotels, 1x point for everything else. This card comes with a $250 Air Travel Credit. You can use it towards any 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 to cash back, gift cards and other rewards. You can also donate your points to charity, or share them among ThankYou account holders. Another perk: you can use your points up to $1,000 to pay for qualifying Citi credit lines
Discover it(r), Miles
Consider a Discover it(r] Miles creditcard if your goal is to save money on travel. It comes with a simple reward program which lets you earn 1.5 points for every dollar you spend. The card does not require an annual fee. Your miles can be used to travel or for cash.
Discover it(r. Miles) credit card can be your best choice if you want a card that is free of annual fees. It gives you 1.5 miles for every dollar that you spend and a 3% interest rate the first year. Flexible rewards redemption options are available and the card doubles your rewards when you open an account.