Also note that you’ll qualify for 0% APR on purchases and balance transfers with this card for 12 months, followed by a variable APR of 14.49% – 24.99% based on your creditworthiness. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors at account opening.
Are you looking for a credit card – with good rewards, no less – that doesn't charge an annual fee? It is this compensation that enables CardRatings.com to provide you services like access to free tools and information for consumers. 5.0. on Citibank's application.
Hopefully we’ve made it a bit easier for you to choose. A little added feature for Amazon shoppers is that you can use your accumulated cash back rewards to pay directly for purchases on Amazon without having to redeem them first. You’ll also qualify to earn a generous welcome bonus. Compare rewards programs. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. You also don’t get to choose the quarterly category, which means there’s no assurance that the category will be one you want or need to spend money on. Gas and restaurant purchases earn 2% cash back on up to $1,000 in combined spending each quarter, and all other purchases get 1% back. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater. Bank of America’s Preferred Rewards program, Credit card review: Bank of America Cash Rewards credit card, Everything you need to know about Bank of America’s Preferred Rewards program, The best Bank of America credit cards of 2019, Capital One® SavorOne® Cash Rewards Credit Card, Capital One SavorOne review: It comes down to 1%, Credit card showdown: Capital One Savor vs. SavorOne, These rewards credit cards can get you into the world’s best restaurants, 5% cash back on up to $1,500 in purchases, Rotating 5% cash back: Discover it Cash Back review, transfer them to another card that earns Chase Ultimate Rewards, Rotating 5x earning and a key member of the Chase Quartet: Chase Freedom card review, Chase Freedom 5% cash back bonus categories. No annual fee does not mean no fees at all, though. Either $5 or 5% of the amount of each transfer, whichever is greater. Our marketing partners don’t review, approve or endorse our editorial content. Let's get a bit more specific about who can benefit most from these cards: 1. It also rounds up to the nearest 10 points on every purchase, a unique perk that can add up. Benefits and Drawbacks: The Blue Business Plus can be lucrative since you earn 2 Membership Rewards points per dollar on the first $50,000 you spend on your card each year. You could pick up a flat-rate cash-back credit card for regular purchases, for example, while pairing with a card that offers bonus categories for part of your spending. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. Here's what you should know about no-annual-fee credit cards: APR: About 20% of no-annual-fee cards have a minimum APR of 14.99% or less. Just remember, the amount you can spend above your credit limit is not unlimited. You won’t want to use the card for purchases abroad because of a 3% foreign transaction fee, but the card offers purchase protection, extended warranty protection, trip cancellation/interruption insurance and auto rental collision damage waiver when you pay for related expenses with your card. Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
2. Bonus: Earn 20,000 bonus miles – equal to $200 in travel – after you spend $1,000 on purchases in the first three months.
That means that not only can these cards save you money when it comes to no annual fee, they may also be able to save you a bundle when it comes to interest. on this page is accurate as of the posting date; however, some of our partner offers may have expired.
Unlimited 3% cash back earned on dining and entertainment is one of the best rewards earning rates on the market for a no-annual-fee card.
And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. For the biggest cash back earnings, consider using this card for every purchase, every day. The Rewards: Earn three points per $1 spent eating out and ordering in; for gas station, rideshare and transit purchases; on travel purchases, including flights, hotels, homestays and car rentals; and on popular streaming services. Learn about the U.S. News methodology for ranking the best credit cards. These cards routinely show us that you CAN, after all, get something for nothing whether you're looking for cash-back rewards, travel rewards, extra perks for your small business or something else. These are provided as guidelines only and approval is not guaranteed. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Santander All In One Credit Card . Simple and straightforward.
creditcardGenius is the only tool that compares 126+ features of credit cards using math-based ratings and rankings that respond to your needs, instantly. The Amex EveryDay® Credit Card lets consumers earn rewards on all spending without interest on purchases or balance transfers for 15 months, followed by a variable APR of 12.99% – 23.99%. Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. 0% Intro APR on balance transfers and purchases for 15 months. They require a bit more planning and strategy than a flat-rate card, but not nearly as much as a rotating categories or cardholder-choice card. View our latest valuations here.
Read our full Citi Rewards+℠ Card review. Earn cash back TWICE. Considering that there's no annual fee, cardholders gain access to 3x points reward rates across an impressive range of spending categories. The standard variable APR for Citi Flex Plan is 13.49% – 23.49%, based on your creditworthiness. Enjoy international travel without additional fees on purchases made abroad. As an added perk, this card features a lengthy intro 0% APR for 18 months on balance transfers so it could save you some serious interest money if you have an existing balance on another card that you need a little extra time to pay off (after the intro period, the APR becomes 13.99% – 23.99% (Variable)). This card does charge a foreign transaction fee, so it may be best to leave this one at home while abroad. Make sure you can rack up the most rewards based on where you spend the most money for starters, but also check out redemption options to see how you could cash in your points later on. You might still pay interest, over-limit fees, late payment fees or a foreign transaction fee. Best feature: Flat-rate cash back rewards. Having a credit card for an emergency is always advisable, but if you're planning to just stash it, a card with no annual fee gives you that added security at potentially zero cost. The “no annual fee” part means you won’t have to pay for having an active account with the card.
The best no-annual-fee credit cards out there offer plenty in the way of rewards, features and perks for people who want all those things but aren't ready to pay an annual fee for them.
Cardholders pay no annual fee and get a 14-month 0% introductory annual percentage rate on purchases (then a 11.99% to 22.99% variable APR applies). Keep in mind that points earned with this card are American Express Membership Rewards points, so they can be redeemed for travel through AmexTravel.com, for gift cards, merchandise and even transfers to American Express hotel and airline partners. Many no-fee credit cards offer reimbursement for a product that breaks after its original manufacturer's warranty runs out. Best for use at home and abroad: Enroll each quarter to earn 5% cash back on up to $1,500 in purchases each quarter in rotating categories, and no foreign transaction fees. The Bonus: Earn 15,000 bonus points after you spend $1,000 in purchases with your card within three months of opening an account; redeemable for $150 in gift cards at thankyou.com. Enjoy new 5% categories each quarter! There's also an intro no-interest period of 12 months on purchases and qualifying balance transfers made within the first 120 days for the first 12 months (after the intro, the APR jumps to 13.99%-25.99% Variable). Posted by creditcardGenius Team | Mar 18, 2020 Mar 18, 2020. Even though there is an additional bonus for qualifying digital wallet purchases in the first year, there are other cards on the market with higher rewards earning rate than 1.5% on an ongoing basis.
But if you’re planning to do a balance transfer, make sure to crunch the numbers first and make every effort to pay off the balance before the introductory balance transfer APR period ends. Get an alert if we find your Social Security number on any of thousands of Dark Web sites.
*See the online provider's credit card application for details about terms and conditions. It’s a little thing, but it does confuse the issue a bit. Cardholders pay no annual fee, and Discover will match your cash back earnings at the end of the first year. is a stand-out card when it comes to earning cash rewards without complications. The reality is that no-annual-fee credit cards don't necessarily mean you're getting a lesser card than you do when you agree to pay an annual fee. Also be aware that this card doesn’t charge any balance transfer fees when you transfer balances within 60 days of account opening. 3% Cash back on dining at restaurants and drugstores. The more cash back you can potentially earn, the more-complicated the spending caps and categories tend to be. However, there is no rewards program nor any welcome bonus, making this truly a "simple" card for those looking to hold a balance interest-free for a long period of time.
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