Paying an annual price isn’t at all times price it. Whereas it might probably generally translate to higher perks and rewards, it’s additionally one other yearly expense you’re answerable for. Fortunately, you don’t have to pay an annual price to get a great bank card.
Loads of playing cards present strong rewards and long-term worth with out charging an annual price. Whereas an annual-fee card would possibly provide incentives and credit that offset the upfront value, you possibly can nonetheless discover a card with advantages that don’t value you additional to hold it. No-annual-fee bank cards gained’t cost an additional price that eats into any of the rewards you earn.
Earlier than making use of for a no-annual-fee card, verify to see if it might probably ship worth primarily based in your spending habits. Listed here are CNET’s suggestions for the perfect playing cards with no annual charges.
Finest flat-rate bank card with no annual price
Fast Look
- Intro Provide
$200 money rewards
Earn a $200 money rewards bonus after spending $500 in purchases within the first 3 months
- Annual price
- $0
- APR
- 20.24%, 25.24%, or 29.99% variable APR
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
2%
Earn limitless 2% money rewards on purchases
Intro Provide
$200 money rewards
Earn a $200 money rewards bonus after spending $500 in purchases within the first 3 months
Rewards Fee
2%
Earn limitless 2% money rewards on purchases
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
20.24%, 25.24%, or 29.99% variable APR
The Wells Fargo Energetic Money Card affords a vast 2% flat money rewards construction, making this a easy however highly effective card. There’s no worrying about reward limits or bonus classes — you’ll earn a flat rewards price on eligible on a regular basis purchases. Plus, in the event you spend $500 in purchases within the first three months of opening your account, you’ll earn a $200 money rewards welcome bonus. You too can benefit from the low introductory APR on purchases and qualifying steadiness transfers, as it is a well-rounded card.
Try our full assessment of the Wells Fargo Energetic Money Card for extra particulars.
- Intro Stability Switch APR
- 0% intro APR for 15 months from account opening on qualifying steadiness transfers
- Intro Buy APR
- 0% intro APR for 15 months from account opening
- Common APR
- 20.24%, 25.24%, or 29.99% variable APR
- Stability Switch Charge
- as much as 5%; min: $5
2%
Earn limitless 2% money rewards on purchases
The Wells Fargo Energetic Money Card affords a vast 2% flat money rewards construction, making this a easy however highly effective card. There’s no worrying about reward limits or bonus classes — you’ll earn a flat rewards price on eligible on a regular basis purchases. Plus, in the event you spend $500 in purchases within the first three months of opening your account, you’ll earn a $200 money rewards welcome bonus. You too can benefit from the low introductory APR on purchases and qualifying steadiness transfers, as it is a well-rounded card.
Try our full assessment of the Wells Fargo Energetic Money Card for extra particulars.
- Intro Stability Switch APR
- 0% intro APR for 15 months from account opening on qualifying steadiness transfers
- Intro Buy APR
- 0% intro APR for 15 months from account opening
- Common APR
- 20.24%, 25.24%, or 29.99% variable APR
- Stability Switch Charge
- as much as 5%; min: $5
2%
Earn limitless 2% money rewards on purchases
Finest cash-back bank card with no annual price
Fast Look
- Intro Provide
$200
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Annual price
- $0
- APR
- 20.24% – 28.99% Variable
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
1%
– 5%
5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. Take pleasure in new 5% classes every quarter!; 5% money again on journey bought by Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, present playing cards and extra; 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service; Limitless 1% money again on all different purchases.
Intro Provide
$200
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Fee
1%
– 5%
5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. Take pleasure in new 5% classes every quarter!; 5% money again on journey bought by Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, present playing cards and extra; 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service; Limitless 1% money again on all different purchases.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
20.24% – 28.99% Variable
The Chase Freedom Flex* affords a variety of cash-back rewards and extra perks with out charging an annual price. The static rewards embrace fashionable spending classes like drug shops and eating, and the quarterly rotating bonus classes typically catch different big-budget objects. Now by Sept. 30, 2023, you earn 5% money again on purchases at gasoline stations, EV charging and choose stay leisure on as much as $1,500 in mixed spending, then 1% in the event you activate the bonus class earlier than Sept. 14.
You’ll be able to earn a aggressive welcome bonus and benefit from the introductory APR. The welcome bonus may be redeemed for assertion credit in opposition to your purchases, and the introductory APR can provide you some cushion to pay again huge purchases over an extended time interval whereas avoiding curiosity expenses.
For extra info, see our full assessment of the Chase Freedom Flex.
- Intro Stability Switch APR
- 0% Intro APR on Stability Transfers for 15 months
- Intro Buy APR
- 0% Intro APR on Purchases for 15 months
- Common APR
- 20.24% – 28.99% Variable
- Stability Switch Charge
- Both $5 or 5% of the quantity of every switch, whichever is larger.
5%
5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. Take pleasure in new 5% classes every quarter!
5%
5% money again on journey bought by Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, present playing cards and extra
3%
3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service
1%
Limitless 1% money again on all different purchases.
The Chase Freedom Flex* affords a variety of cash-back rewards and extra perks with out charging an annual price. The static rewards embrace fashionable spending classes like drug shops and eating, and the quarterly rotating bonus classes typically catch different big-budget objects. Now by Sept. 30, 2023, you earn 5% money again on purchases at gasoline stations, EV charging and choose stay leisure on as much as $1,500 in mixed spending, then 1% in the event you activate the bonus class earlier than Sept. 14.
You’ll be able to earn a aggressive welcome bonus and benefit from the introductory APR. The welcome bonus may be redeemed for assertion credit in opposition to your purchases, and the introductory APR can provide you some cushion to pay again huge purchases over an extended time interval whereas avoiding curiosity expenses.
For extra info, see our full assessment of the Chase Freedom Flex.
- Intro Stability Switch APR
- 0% Intro APR on Stability Transfers for 15 months
- Intro Buy APR
- 0% Intro APR on Purchases for 15 months
- Common APR
- 20.24% – 28.99% Variable
- Stability Switch Charge
- Both $5 or 5% of the quantity of every switch, whichever is larger.
5%
5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. Take pleasure in new 5% classes every quarter!
5%
5% money again on journey bought by Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, present playing cards and extra
3%
3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service
1%
Limitless 1% money again on all different purchases.
A card that adapts to your spending
Fast Look
- Intro Provide
$200
Earn $200 in money again after you spend $1500 on purchases within the first 6 months of account opening. This bonus provide might be fulfilled as 20,000 ThankYou® factors, which may be redeemed for $200 money again.
- Annual price
- $0
- APR
- 19.24% – 29.24% (Variable)
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
580 – 850
Truthful – Glorious
- Rewards price
1%
– 5%
Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter.; Earn limitless 1% money again on all different purchases.
Intro Provide
$200
Earn $200 in money again after you spend $1500 on purchases within the first 6 months of account opening. This bonus provide might be fulfilled as 20,000 ThankYou® factors, which may be redeemed for $200 money again.
Rewards Fee
1%
– 5%
Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter.; Earn limitless 1% money again on all different purchases.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
580 – 850
Truthful – Glorious
APR
19.24% – 29.24% (Variable)
The Citi Customized Money card affords flexibility in your rewards, however in contrast to the Uncover it Money Again and Chase Freedom Flex, the versatile class is predicated in your highest eligible spend class. With out having to manually activate something, this bank card will apply 5% money again to your topmost spending class every billing cycle, on as much as $500 spending per billing cycle (then 1%). Eligible classes embrace eating places, gasoline stations, grocery shops, choose journey, choose transit, choose streaming providers, drugstores, house enchancment shops, health golf equipment and stay leisure.
As with the opposite choices on this checklist, it’s also possible to benefit from the welcome bonus and introductory APR with this card.
For extra particulars, see our full assessment of the Citi Customized Money Card.
- Intro Stability Switch APR
- 0% for 15 months on steadiness transfers
- Intro Buy APR
- 0% for 15 months on purchases
- Common APR
- 19.24% – 29.24% (Variable)
- Stability Switch Charge
- Stability switch price applies with this provide 5% of every steadiness switch; $5 minimal.
5%
Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter.
1%
Earn limitless 1% money again on all different purchases.
The Citi Customized Money card affords flexibility in your rewards, however in contrast to the Uncover it Money Again and Chase Freedom Flex, the versatile class is predicated in your highest eligible spend class. With out having to manually activate something, this bank card will apply 5% money again to your topmost spending class every billing cycle, on as much as $500 spending per billing cycle (then 1%). Eligible classes embrace eating places, gasoline stations, grocery shops, choose journey, choose transit, choose streaming providers, drugstores, house enchancment shops, health golf equipment and stay leisure.
As with the opposite choices on this checklist, it’s also possible to benefit from the welcome bonus and introductory APR with this card.
For extra particulars, see our full assessment of the Citi Customized Money Card.
- Intro Stability Switch APR
- 0% for 15 months on steadiness transfers
- Intro Buy APR
- 0% for 15 months on purchases
- Common APR
- 19.24% – 29.24% (Variable)
- Stability Switch Charge
- Stability switch price applies with this provide 5% of every steadiness switch; $5 minimal.
5%
Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter.
1%
Earn limitless 1% money again on all different purchases.
Fast Look
- Intro Provide
$200
$200 bonus after spending $1,000 in eligible purchases throughout the first 120 days of account opening.
- Annual price
- $0
- APR
- 19.74% – 29.74% (Variable)
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
1%
– 5%
5% money again in your first $2,000 in eligible web purchases every quarter on the mixed two classes you select.; 5% money again on pay as you go air, lodge and automotive reservations booked instantly within the Rewards Middle; 2% money again in your selection on one on a regular basis class, like Gasoline Stations, Grocery Shops or Eating places; 1% money again on all different eligible web purchases.
Versatile rewards
U.S. Financial institution Money+® Visa Signature® Card
Intro Provide
$200
$200 bonus after spending $1,000 in eligible purchases throughout the first 120 days of account opening.
Rewards Fee
1%
– 5%
5% money again in your first $2,000 in eligible web purchases every quarter on the mixed two classes you select.; 5% money again on pay as you go air, lodge and automotive reservations booked instantly within the Rewards Middle; 2% money again in your selection on one on a regular basis class, like Gasoline Stations, Grocery Shops or Eating places; 1% money again on all different eligible web purchases.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
19.74% – 29.74% (Variable)
With the U.S. Financial institution Money+ card, you possibly can earn 5% money again on purchases in two eligible classes every quarter. Whereas the rewards charges are aggressive, there’s a $2,000 spending restrict in mixed eligible purchases every quarter on the chosen 5% money again rewards. The eligible bonus classes fluctuate every quarter, however a number of the classes you possibly can select from presently embrace sporting items shops, film theaters, gyms or health facilities, furnishings shops, floor transportation and choose outfitters. You too can earn 2% money again on purchases in a single “on a regular basis” class.
- Intro Stability Switch APR
- 0% intro APR Intro APR on steadiness transfers for the primary 15 billing cycles.
- Intro Buy APR
- 0% intro APR Intro APR on purchases for the primary 15 billing cycles.
- Common APR
- 19.74% – 29.74% (Variable)
- Stability Switch Charge
- Both 3% of the quantity of every switch or $5 minimal, whichever is larger.
5%
5% money again in your first $2,000 in eligible web purchases every quarter on the mixed two classes you select.
5%
5% money again on pay as you go air, lodge and automotive reservations booked instantly within the Rewards Middle
2%
2% money again in your selection on one on a regular basis class, like Gasoline Stations, Grocery Shops or Eating places
1%
1% money again on all different eligible web purchases.
With the U.S. Financial institution Money+ card, you possibly can earn 5% money again on purchases in two eligible classes every quarter. Whereas the rewards charges are aggressive, there’s a $2,000 spending restrict in mixed eligible purchases every quarter on the chosen 5% money again rewards. The eligible bonus classes fluctuate every quarter, however a number of the classes you possibly can select from presently embrace sporting items shops, film theaters, gyms or health facilities, furnishings shops, floor transportation and choose outfitters. You too can earn 2% money again on purchases in a single “on a regular basis” class.
- Intro Stability Switch APR
- 0% intro APR Intro APR on steadiness transfers for the primary 15 billing cycles.
- Intro Buy APR
- 0% intro APR Intro APR on purchases for the primary 15 billing cycles.
- Common APR
- 19.74% – 29.74% (Variable)
- Stability Switch Charge
- Both 3% of the quantity of every switch or $5 minimal, whichever is larger.
5%
5% money again in your first $2,000 in eligible web purchases every quarter on the mixed two classes you select.
5%
5% money again on pay as you go air, lodge and automotive reservations booked instantly within the Rewards Middle
2%
2% money again in your selection on one on a regular basis class, like Gasoline Stations, Grocery Shops or Eating places
1%
1% money again on all different eligible web purchases.
Earn rewards or mitigate bank card debt
Fast Look
- Intro Provide
No present provide
- Annual price
- $0
- APR
- 19.24% – 29.24% (Variable)
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
580 – 850
Truthful – Glorious
- Rewards price
2%
Earn 2% on each buy with limitless 1% money again while you purchase, plus an extra 1% as you pay for these purchases.
Rewards Fee
2%
Earn 2% on each buy with limitless 1% money again while you purchase, plus an extra 1% as you pay for these purchases.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
580 – 850
Truthful – Glorious
APR
19.24% – 29.24% (Variable)
The Citi Double Money card is without doubt one of the finest flat-rate cash-back bank cards round. For no annual price, you possibly can earn as much as 2% money again on purchases — 1% while you purchase them, after which 1% while you pay them off.
It additionally contains a lengthy 0% introductory APR for steadiness transfers. You’ll be able to benefit from the 0% introductory APR on steadiness transfers for 18 months earlier than the usual APR of 19.24% to 29.24% (variable) applies. Stability transfers have to be accomplished inside 4 months of account opening. Simply bear in mind there may be an intro steadiness switch price of three% ($5 minimal) for transfers accomplished throughout the first 4 months of account opening. After that, it’ll be 5% of every switch ($5 minimal).
Learn our Citi Double Money Card assessment for extra info.
- Intro Stability Switch APR
- 0% intro for 18 months on Stability Transfers
- Intro Buy APR
- N/A
- Common APR
- 19.24% – 29.24% (Variable)
- Stability Switch Charge
- There may be an intro steadiness switch price of three% of every switch (minimal $5) accomplished throughout the first 4 months of account opening. A steadiness switch price of 5% of every switch ($5 minimal) applies if accomplished after 4 months of account opening.
2%
Earn 2% on each buy with limitless 1% money again while you purchase, plus an extra 1% as you pay for these purchases.
The Citi Double Money card is without doubt one of the finest flat-rate cash-back bank cards round. For no annual price, you possibly can earn as much as 2% money again on purchases — 1% while you purchase them, after which 1% while you pay them off.
It additionally contains a lengthy 0% introductory APR for steadiness transfers. You’ll be able to benefit from the 0% introductory APR on steadiness transfers for 18 months earlier than the usual APR of 19.24% to 29.24% (variable) applies. Stability transfers have to be accomplished inside 4 months of account opening. Simply bear in mind there may be an intro steadiness switch price of three% ($5 minimal) for transfers accomplished throughout the first 4 months of account opening. After that, it’ll be 5% of every switch ($5 minimal).
Learn our Citi Double Money Card assessment for extra info.
- Intro Stability Switch APR
- 0% intro for 18 months on Stability Transfers
- Intro Buy APR
- N/A
- Common APR
- 19.24% – 29.24% (Variable)
- Stability Switch Charge
- There may be an intro steadiness switch price of three% of every switch (minimal $5) accomplished throughout the first 4 months of account opening. A steadiness switch price of 5% of every switch ($5 minimal) applies if accomplished after 4 months of account opening.
2%
Earn 2% on each buy with limitless 1% money again while you purchase, plus an extra 1% as you pay for these purchases.
Finest for everday journey and transit
Fast Look
- Intro Provide
20,000 Factors
Earn 20,000 bonus factors while you spend $1,000 in purchases within the first 3 months – that’s a $200 money redemption worth
- Annual price
- $0
- APR
- 20.24%, 25.24%, or 29.99% variable APR
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
1x
– 3x
Earn limitless 3X factors on eating places, journey, gasoline stations, transit, fashionable streaming providers and telephone plans. ; Earn 1X factors on different purchases
Intro Provide
20,000 Factors
Earn 20,000 bonus factors while you spend $1,000 in purchases within the first 3 months – that’s a $200 money redemption worth
Rewards Fee
1x
– 3x
Earn limitless 3X factors on eating places, journey, gasoline stations, transit, fashionable streaming providers and telephone plans. ; Earn 1X factors on different purchases
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
20.24%, 25.24%, or 29.99% variable APR
In the event you’re in search of a cheap solution to earn rewards for a large number of various purchases, think about the Wells Fargo Autograph card.
Its rewards cowl a formidable array of purchases, making it a strong selection for spenders who take pleasure in touring and eating. The cardboard additionally earns rewards for transit, together with rideshares, that make it simple to get house safely. It even contains a 0% intro APR for purchases for 12 months from account opening (then 20.24%, 25.24%, or 29.99% variable) to assist keep away from curiosity expenses.
You’ll be able to study extra about it in our Wells Fargo Autograph card assessment.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- 0% intro APR for 12 months from account opening
- Common APR
- 20.24%, 25.24%, or 29.99% variable APR
- Stability Switch Charge
- as much as 5%; min: $5
3x
Earn limitless 3X factors on eating places, journey, gasoline stations, transit, fashionable streaming providers and telephone plans.
1x
Earn 1X factors on different purchases
In the event you’re in search of a cheap solution to earn rewards for a large number of various purchases, think about the Wells Fargo Autograph card.
Its rewards cowl a formidable array of purchases, making it a strong selection for spenders who take pleasure in touring and eating. The cardboard additionally earns rewards for transit, together with rideshares, that make it simple to get house safely. It even contains a 0% intro APR for purchases for 12 months from account opening (then 20.24%, 25.24%, or 29.99% variable) to assist keep away from curiosity expenses.
You’ll be able to study extra about it in our Wells Fargo Autograph card assessment.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- 0% intro APR for 12 months from account opening
- Common APR
- 20.24%, 25.24%, or 29.99% variable APR
- Stability Switch Charge
- as much as 5%; min: $5
3x
Earn limitless 3X factors on eating places, journey, gasoline stations, transit, fashionable streaming providers and telephone plans.
1x
Earn 1X factors on different purchases
Good for basic spenders
Fast Look
- Intro Provide
Earn an Extra 1.5% Money Again
Intro Provide: Earn an extra 1.5% money again on the whole lot you purchase (on as much as $20,000 spent within the first yr) – price as much as $300 money again!
- Annual price
- $0
- APR
- 20.24% – 28.99% Variable
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
1.5%
– 5%
Take pleasure in 5% money again on journey bought by Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, present playing cards and extra; 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service; 1.5% on all different purchases
Intro Provide
Earn an Extra 1.5% Money Again
Intro Provide: Earn an extra 1.5% money again on the whole lot you purchase (on as much as $20,000 spent within the first yr) – price as much as $300 money again!
Rewards Fee
1.5%
– 5%
Take pleasure in 5% money again on journey bought by Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, present playing cards and extra; 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service; 1.5% on all different purchases
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
20.24% – 28.99% Variable
The Chase Freedom Limitless has the potential to be a really rewarding selection, notably in the event you can e-book your journey by Chase Final Rewards or in the event you prefer to dine out rather a lot.
It’s a robust basic rewards card that you possibly can use to bolster the return in your spending. Think about using it in tandem with one other card that provides even higher rewards for particular purchases comparable to gasoline and groceries. That approach your important purchases might be coated — eating out, gasoline, groceries, drug shops, plus an above-average base price.
Learn extra about it in our Chase Freedom Limitless assessment.
- Intro Stability Switch APR
- 0% Intro APR on Stability Transfers for 15 months
- Intro Buy APR
- 0% Intro APR on Purchases for 15 months
- Common APR
- 20.24% – 28.99% Variable
- Stability Switch Charge
- Both $5 or 5% of the quantity of every switch, whichever is larger.
5%
Take pleasure in 5% money again on journey bought by Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, present playing cards and extra
3%
3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service
1.5%
1.5% on all different purchases
The Chase Freedom Limitless has the potential to be a really rewarding selection, notably in the event you can e-book your journey by Chase Final Rewards or in the event you prefer to dine out rather a lot.
It’s a robust basic rewards card that you possibly can use to bolster the return in your spending. Think about using it in tandem with one other card that provides even higher rewards for particular purchases comparable to gasoline and groceries. That approach your important purchases might be coated — eating out, gasoline, groceries, drug shops, plus an above-average base price.
Learn extra about it in our Chase Freedom Limitless assessment.
- Intro Stability Switch APR
- 0% Intro APR on Stability Transfers for 15 months
- Intro Buy APR
- 0% Intro APR on Purchases for 15 months
- Common APR
- 20.24% – 28.99% Variable
- Stability Switch Charge
- Both $5 or 5% of the quantity of every switch, whichever is larger.
5%
Take pleasure in 5% money again on journey bought by Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, present playing cards and extra
3%
3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service
1.5%
1.5% on all different purchases
A strong steadiness switch card
Fast Look
- Intro Provide
No present provide
- Annual price
- $0
- APR
- 18.24%, 24.74%, 29.99% variable APR
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
N/A
This card doesn’t provide money again, miles, or factors
Rewards Fee
N/A
This card doesn’t provide money again, miles, or factors
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
18.24%, 24.74%, 29.99% variable APR
The Wells Fargo Replicate may help you pay down bank card debt, however you gained’t earn any rewards. You’ll get a 0% introductory APR provide for purchases and qualifying steadiness transfers for 21 months from account opening, then 18.24%, 24.74%, or 29.99% variable. Ensure you make any transfers inside 120 days from account opening to qualify for the introductory price.
There’s a steadiness switch price of 5% ($5 minimal) of the quantity of every switch, which is larger than most steadiness switch playing cards, however it might nonetheless be price it relying on the price of any curiosity expenses you’re coping with.
You’ll be able to learn all the small print in our Wells Fargo Replicate Card assessment.
- Intro Stability Switch APR
- 0% intro APR for 21 months from account opening on qualifying steadiness transfers
- Intro Buy APR
- 0% intro APR for 21 months from account opening
- Common APR
- 18.24%, 24.74%, 29.99% variable APR
- Stability Switch Charge
- 5%; min: $5
The Wells Fargo Replicate may help you pay down bank card debt, however you gained’t earn any rewards. You’ll get a 0% introductory APR provide for purchases and qualifying steadiness transfers for 21 months from account opening, then 18.24%, 24.74%, or 29.99% variable. Ensure you make any transfers inside 120 days from account opening to qualify for the introductory price.
There’s a steadiness switch price of 5% ($5 minimal) of the quantity of every switch, which is larger than most steadiness switch playing cards, however it might nonetheless be price it relying on the price of any curiosity expenses you’re coping with.
You’ll be able to learn all the small print in our Wells Fargo Replicate Card assessment.
- Intro Stability Switch APR
- 0% intro APR for 21 months from account opening on qualifying steadiness transfers
- Intro Buy APR
- 0% intro APR for 21 months from account opening
- Common APR
- 18.24%, 24.74%, 29.99% variable APR
- Stability Switch Charge
- 5%; min: $5
Finest journey card with no annual price
Financial institution of America® Journey Rewards bank card
Fast Look
- Intro Provide
25,000 factors
25,000 on-line bonus factors after you make at the least $1,000 in purchases within the first 90 days of account opening – that may be a $250 assertion credit score towards journey purchases.
- Annual price
- $0
- APR
- 18.24% – 28.24% Variable APR on purchases and steadiness transfers
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
1.5x
Earn limitless 1.5 factors per $1 spent on all purchases, with no annual price and no overseas transaction charges and your factors don’t expire
Finest journey card with no annual price
Financial institution of America® Journey Rewards bank card
Intro Provide
25,000 factors
25,000 on-line bonus factors after you make at the least $1,000 in purchases within the first 90 days of account opening – that may be a $250 assertion credit score towards journey purchases.
Rewards Fee
1.5x
Earn limitless 1.5 factors per $1 spent on all purchases, with no annual price and no overseas transaction charges and your factors don’t expire
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
18.24% – 28.24% Variable APR on purchases and steadiness transfers
With the Financial institution of America® Journey Rewards bank card*, you earn 1.5 factors (equal to 1.5 cents) for each greenback spent on any buy, anyplace. These factors may be redeemed for assertion credit in opposition to journey bills (like inns and flights) and eating places, with no restrictions on airways, web sites or dates. You’ll additionally take pleasure in no overseas transaction charges, so anyplace you journey to, you should utilize this bank card with out penalty. The sign-on bonus and introductory APR on purchases and steadiness transfers make this a well-rounded on a regular basis bank card, as effectively.
For extra particulars, see our full assessment of the Financial institution of America Journey Rewards card.
- Intro Stability Switch APR
- 0% Intro APR for 15 billing cycles for any BTs made within the first 60 days. A 3% price applies.
- Intro Buy APR
- 0% Intro APR for 15 billing cycles for purchases
- Common APR
- 18.24% – 28.24% Variable APR on purchases and steadiness transfers
- Stability Switch Charge
- 3% of the quantity of every transaction
1.5x
Earn limitless 1.5 factors per $1 spent on all purchases, with no annual price and no overseas transaction charges and your factors don’t expire
With the Financial institution of America® Journey Rewards bank card*, you earn 1.5 factors (equal to 1.5 cents) for each greenback spent on any buy, anyplace. These factors may be redeemed for assertion credit in opposition to journey bills (like inns and flights) and eating places, with no restrictions on airways, web sites or dates. You’ll additionally take pleasure in no overseas transaction charges, so anyplace you journey to, you should utilize this bank card with out penalty. The sign-on bonus and introductory APR on purchases and steadiness transfers make this a well-rounded on a regular basis bank card, as effectively.
For extra particulars, see our full assessment of the Financial institution of America Journey Rewards card.
- Intro Stability Switch APR
- 0% Intro APR for 15 billing cycles for any BTs made within the first 60 days. A 3% price applies.
- Intro Buy APR
- 0% Intro APR for 15 billing cycles for purchases
- Common APR
- 18.24% – 28.24% Variable APR on purchases and steadiness transfers
- Stability Switch Charge
- 3% of the quantity of every transaction
1.5x
Earn limitless 1.5 factors per $1 spent on all purchases, with no annual price and no overseas transaction charges and your factors don’t expire
Earn rewards for important purchases
Fast Look
- Intro Provide
Earn $200
Earn a $200 assertion credit score after you spend $2,000 in purchases in your new Card throughout the first 6 months.
- Annual price
- $0
- APR
- 19.24% – 29.99% Variable
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
1%
– 3%
3% Money Again at U.S. supermarkets on as much as $6,000 per yr in purchases, then 1%.; 3% Money Again on U.S. on-line retail purchases, on as much as $6,000 per yr, then 1%.; 3% Money Again at U.S. gasoline stations, on as much as $6,000 per yr in purchases, then 1%.; 1% Money Again on different purchases.
Intro Provide
Earn $200
Earn a $200 assertion credit score after you spend $2,000 in purchases in your new Card throughout the first 6 months.
Rewards Fee
1%
– 3%
3% Money Again at U.S. supermarkets on as much as $6,000 per yr in purchases, then 1%.; 3% Money Again on U.S. on-line retail purchases, on as much as $6,000 per yr, then 1%.; 3% Money Again at U.S. gasoline stations, on as much as $6,000 per yr in purchases, then 1%.; 1% Money Again on different purchases.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
19.24% – 29.99% Variable
The Blue Money On a regular basis Card affords rewards on on a regular basis spending classes. It affords the most effective cash-back charges on U.S. supermarkets, U.S. gasoline stations and U.S. on-line retail purchases. You too can benefit from its 0% introductory APR provide on purchases and steadiness transfers for 15 months from the date of account opening. After that, the variable APR might be 19.24% to 29.99%. If you want to finance a big buy or pay down a high-interest debt from one other bank card, this card is a strong possibility.
You’ll be able to learn extra about it in our Blue Money On a regular basis assessment.
- Intro Stability Switch APR
- 0% on steadiness transfers for 15 months
- Intro Buy APR
- 0% on purchases for 15 months
- Common APR
- 19.24% – 29.99% Variable
- Stability Switch Charge
- Both $5 or 3% of the quantity of every switch, whichever is larger.
3%
3% Money Again at U.S. supermarkets on as much as $6,000 per yr in purchases, then 1%.
3%
3% Money Again on U.S. on-line retail purchases, on as much as $6,000 per yr, then 1%.
3%
3% Money Again at U.S. gasoline stations, on as much as $6,000 per yr in purchases, then 1%.
1%
1% Money Again on different purchases.
Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
Phrases apply to American Specific advantages and affords. Enrollment could also be required for choose American Specific advantages and affords. Go to americanexpress.com to study extra
The Blue Money On a regular basis Card affords rewards on on a regular basis spending classes. It affords the most effective cash-back charges on U.S. supermarkets, U.S. gasoline stations and U.S. on-line retail purchases. You too can benefit from its 0% introductory APR provide on purchases and steadiness transfers for 15 months from the date of account opening. After that, the variable APR might be 19.24% to 29.99%. If you want to finance a big buy or pay down a high-interest debt from one other bank card, this card is a strong possibility.
You’ll be able to learn extra about it in our Blue Money On a regular basis assessment.
- Intro Stability Switch APR
- 0% on steadiness transfers for 15 months
- Intro Buy APR
- 0% on purchases for 15 months
- Common APR
- 19.24% – 29.99% Variable
- Stability Switch Charge
- Both $5 or 3% of the quantity of every switch, whichever is larger.
3%
3% Money Again at U.S. supermarkets on as much as $6,000 per yr in purchases, then 1%.
3%
3% Money Again on U.S. on-line retail purchases, on as much as $6,000 per yr, then 1%.
3%
3% Money Again at U.S. gasoline stations, on as much as $6,000 per yr in purchases, then 1%.
1%
1% Money Again on different purchases.
Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
Phrases apply to American Specific advantages and affords. Enrollment could also be required for choose American Specific advantages and affords. Go to americanexpress.com to study extra
Rewards for Hilton prospects
Fast Look
- Intro Provide
Earn 80,000 Factors
Earn 80,000 Hilton Honors Bonus Factors after you spend $1,000 in purchases on the Card within the first 3 months of Card Membership.
- Annual price
- $0
- APR
- 20.99%-29.99% Variable
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
3x
– 7x
Earn 7X Hilton Honors Bonus Factors for every greenback of eligible purchases charged instantly with inns and resorts throughout the Hilton portfolio.; Earn 5X Hilton Honors Bonus Factors for every greenback of eligible purchases at U.S. eating places, at U.S. supermarkets, and at U.S. gasoline stations.; Earn 3X Hilton Honors Bonus Factors for all different eligible purchases in your Card.
Intro Provide
Earn 80,000 Factors
Earn 80,000 Hilton Honors Bonus Factors after you spend $1,000 in purchases on the Card within the first 3 months of Card Membership.
Rewards Fee
3x
– 7x
Earn 7X Hilton Honors Bonus Factors for every greenback of eligible purchases charged instantly with inns and resorts throughout the Hilton portfolio.; Earn 5X Hilton Honors Bonus Factors for every greenback of eligible purchases at U.S. eating places, at U.S. supermarkets, and at U.S. gasoline stations.; Earn 3X Hilton Honors Bonus Factors for all different eligible purchases in your Card.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
20.99%-29.99% Variable
In the event you choose staying at Hilton properties whereas touring, the Hilton Honors American Specific card might present a solution to flip rewards into lodge stays. Nonetheless, in the event you needed a card for cash-back or assertion credit, this gained’t be a great choose. Hilton factors additionally won’t be price an excessive amount of, limiting how rewarding this card may be. Nevertheless it does provide a lot of added facilities for Hilton prospects.
You could find out extra in our Hilton Honors American Specific Card assessment.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- N/A
- Common APR
- 20.99%-29.99% Variable
- Stability Switch Charge
- N/A
7x
Earn 7X Hilton Honors Bonus Factors for every greenback of eligible purchases charged instantly with inns and resorts throughout the Hilton portfolio.
5x
Earn 5X Hilton Honors Bonus Factors for every greenback of eligible purchases at U.S. eating places, at U.S. supermarkets, and at U.S. gasoline stations.
3x
Earn 3X Hilton Honors Bonus Factors for all different eligible purchases in your Card.
Phrases apply to American Specific advantages and affords. Enrollment could also be required for choose American Specific advantages and affords. Go to americanexpress.com to study extra
In the event you choose staying at Hilton properties whereas touring, the Hilton Honors American Specific card might present a solution to flip rewards into lodge stays. Nonetheless, in the event you needed a card for cash-back or assertion credit, this gained’t be a great choose. Hilton factors additionally won’t be price an excessive amount of, limiting how rewarding this card may be. Nevertheless it does provide a lot of added facilities for Hilton prospects.
You could find out extra in our Hilton Honors American Specific Card assessment.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- N/A
- Common APR
- 20.99%-29.99% Variable
- Stability Switch Charge
- N/A
7x
Earn 7X Hilton Honors Bonus Factors for every greenback of eligible purchases charged instantly with inns and resorts throughout the Hilton portfolio.
5x
Earn 5X Hilton Honors Bonus Factors for every greenback of eligible purchases at U.S. eating places, at U.S. supermarkets, and at U.S. gasoline stations.
3x
Earn 3X Hilton Honors Bonus Factors for all different eligible purchases in your Card.
Phrases apply to American Specific advantages and affords. Enrollment could also be required for choose American Specific advantages and affords. Go to americanexpress.com to study extra
Finest for eating and leisure rewards
Fast Look
- Intro Provide
$200
Earn a one-time $200 money bonus after you spend $500 on purchases throughout the first 3 months from account opening
- Annual price
- $0
- APR
- 19.99% – 29.99% (Variable)
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
1%
– 10%
Earn 10% money again on purchases made by Uber & Uber Eats, plus complimentary Uber One membership assertion credit by 11/14/2024; Earn 8% money again on Capital One Leisure purchases; Earn limitless 5% money again on inns and rental vehicles booked by Capital One Journey, the place you’ll get Capital One’s finest costs on hundreds of journey choices. Phrases apply; Earn 3% Money Again on eating and at grocery shops (excluding superstores like Walmart® and Goal®); Earn 3% Money Again on fashionable streaming providers and leisure; Earn 1% Money Again on all different purchases
Intro Provide
$200
Earn a one-time $200 money bonus after you spend $500 on purchases throughout the first 3 months from account opening
Rewards Fee
1%
– 10%
Earn 10% money again on purchases made by Uber & Uber Eats, plus complimentary Uber One membership assertion credit by 11/14/2024; Earn 8% money again on Capital One Leisure purchases; Earn limitless 5% money again on inns and rental vehicles booked by Capital One Journey, the place you’ll get Capital One’s finest costs on hundreds of journey choices. Phrases apply; Earn 3% Money Again on eating and at grocery shops (excluding superstores like Walmart® and Goal®); Earn 3% Money Again on fashionable streaming providers and leisure; Earn 1% Money Again on all different purchases
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
19.99% – 29.99% (Variable)
The Capital One SavorOne* is a superb weekend companion. You’ll earn 3% money again on eating, leisure, fashionable streaming providers and at grocery shops (excluding superstores like Goal and Walmart). You too can earn 8% money again on Capital One Leisure purchases. Plus, earn 10% money again on purchases with Uber and Uber Eats, plus a complimentary Uber One membership by Nov. 14, 2024.
In the event you’re somebody who’s typically catching stay exhibits and eating out, you possibly can get rather a lot out of this card. And for individuals who choose quiet nights in, you possibly can binge your favourite exhibits and purchase the snacks whereas nonetheless incomes rewards.
- Intro Stability Switch APR
- 0% intro on steadiness transfers for 15 months
- Intro Buy APR
- 0% intro on purchases for 15 months
- Common APR
- 19.99% – 29.99% (Variable)
- Stability Switch Charge
- 3%
10%
Earn 10% money again on purchases made by Uber & Uber Eats, plus complimentary Uber One membership assertion credit by 11/14/2024
8%
Earn 8% money again on Capital One Leisure purchases
5%
Earn limitless 5% money again on inns and rental vehicles booked by Capital One Journey, the place you’ll get Capital One’s finest costs on hundreds of journey choices. Phrases apply
3%
Earn 3% Money Again on eating and at grocery shops (excluding superstores like Walmart® and Goal®)
3%
Earn 3% Money Again on fashionable streaming providers and leisure
1%
Earn 1% Money Again on all different purchases
The Capital One SavorOne* is a superb weekend companion. You’ll earn 3% money again on eating, leisure, fashionable streaming providers and at grocery shops (excluding superstores like Goal and Walmart). You too can earn 8% money again on Capital One Leisure purchases. Plus, earn 10% money again on purchases with Uber and Uber Eats, plus a complimentary Uber One membership by Nov. 14, 2024.
In the event you’re somebody who’s typically catching stay exhibits and eating out, you possibly can get rather a lot out of this card. And for individuals who choose quiet nights in, you possibly can binge your favourite exhibits and purchase the snacks whereas nonetheless incomes rewards.
- Intro Stability Switch APR
- 0% intro on steadiness transfers for 15 months
- Intro Buy APR
- 0% intro on purchases for 15 months
- Common APR
- 19.99% – 29.99% (Variable)
- Stability Switch Charge
- 3%
10%
Earn 10% money again on purchases made by Uber & Uber Eats, plus complimentary Uber One membership assertion credit by 11/14/2024
8%
Earn 8% money again on Capital One Leisure purchases
5%
Earn limitless 5% money again on inns and rental vehicles booked by Capital One Journey, the place you’ll get Capital One’s finest costs on hundreds of journey choices. Phrases apply
3%
Earn 3% Money Again on eating and at grocery shops (excluding superstores like Walmart® and Goal®)
3%
Earn 3% Money Again on fashionable streaming providers and leisure
1%
Earn 1% Money Again on all different purchases
A robust flat-rate rewards card
Fast Look
- Intro Provide
No present provide
- Annual price
- $0
- APR
- 30.49% (Variable)
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
- No Credit score Historical past
- Rewards price
1.5%
– 5%
Earn limitless 5% money again on inns and rental vehicles booked by Capital One Journey, the place you’ll get Capital One’s finest costs on hundreds of journey choices. Phrases apply; Earn limitless 1.5% money again on each buy, in every single place
Rewards Fee
1.5%
– 5%
Earn limitless 5% money again on inns and rental vehicles booked by Capital One Journey, the place you’ll get Capital One’s finest costs on hundreds of journey choices. Phrases apply; Earn limitless 1.5% money again on each buy, in every single place
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
No Credit score Historical past
The Capital One Quicksilver* earns a vast 1.5% money again.
That makes it a versatile selection for individuals who spend on quite a lot of completely different purchases. Think about pairing it with a rewards card that earns larger rewards for particular purchases to maximise the return in your spending. And contemplating it earns 5% money again for inns and rental vehicles booked by Capital One Journey with no overseas transactions charges, it might be used as a low-level journey bank card.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- N/A
- Common APR
- 30.49% (Variable)
- Stability Switch Charge
- $0 at this Switch APR
5%
Earn limitless 5% money again on inns and rental vehicles booked by Capital One Journey, the place you’ll get Capital One’s finest costs on hundreds of journey choices. Phrases apply
1.5%
Earn limitless 1.5% money again on each buy, in every single place
The Capital One Quicksilver* earns a vast 1.5% money again.
That makes it a versatile selection for individuals who spend on quite a lot of completely different purchases. Think about pairing it with a rewards card that earns larger rewards for particular purchases to maximise the return in your spending. And contemplating it earns 5% money again for inns and rental vehicles booked by Capital One Journey with no overseas transactions charges, it might be used as a low-level journey bank card.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- N/A
- Common APR
- 30.49% (Variable)
- Stability Switch Charge
- $0 at this Switch APR
5%
Earn limitless 5% money again on inns and rental vehicles booked by Capital One Journey, the place you’ll get Capital One’s finest costs on hundreds of journey choices. Phrases apply
1.5%
Earn limitless 1.5% money again on each buy, in every single place
Finest welcome bonus with no annual price
Fast Look
- Intro Provide
Cashback Match™
Intro Provide: Limitless Cashback Match – solely from Uncover. Uncover will robotically match all of the money again you’ve earned on the finish of your first yr! There’s no minimal spending or most rewards. You possibly can flip $150 money again into $300.
- Annual price
- $0
- APR
- 17.24% – 28.24% Variable APR
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
1%
– 5%
Earn 5% money again on on a regular basis purchases at completely different locations every quarter like Amazon.com, grocery shops, eating places, and gasoline stations, as much as the quarterly most while you activate. ; Earn 1% limitless money again on all different purchases – robotically.
Intro Provide
Cashback Match™
Intro Provide: Limitless Cashback Match – solely from Uncover. Uncover will robotically match all of the money again you’ve earned on the finish of your first yr! There’s no minimal spending or most rewards. You possibly can flip $150 money again into $300.
Rewards Fee
1%
– 5%
Earn 5% money again on on a regular basis purchases at completely different locations every quarter like Amazon.com, grocery shops, eating places, and gasoline stations, as much as the quarterly most while you activate. ; Earn 1% limitless money again on all different purchases – robotically.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
17.24% – 28.24% Variable APR
The Uncover it® Money Again* is one other good card that prices nothing however a good credit score rating to open. It affords first rate rewards and an introductory APR on purchases and steadiness transfers, however what makes this card actually stand out is the Limitless Cashback Match welcome bonus. On your first yr as a cardholder, your entire money again earned is actually doubled by Uncover, with no limitations. You’ll be able to rack up much more money again with this welcome bonus than with most bank cards, however you’ll need to be affected person to earn it, as Uncover gained’t match your money again till after your full first yr as a cardholder is up.
For the quarterly rotating bonus class, you’ll earn 5% money again on as much as $1,500 in mixed spending for the quarter, then 1%. You need to activate these rewards by your account every quarter to earn them, although. Now by September, you possibly can earn these rewards on gasoline station and digital pockets purchases.
For extra info, see our full assessment of the Uncover it Money Again.
- Intro Stability Switch APR
- 0% for 15 months
- Intro Buy APR
- 0% for 15 months
- Common APR
- 17.24% – 28.24% Variable APR
- Stability Switch Charge
- 3% intro steadiness switch price, as much as 5% price on future steadiness transfers (see phrases)*
5%
Earn 5% money again on on a regular basis purchases at completely different locations every quarter like Amazon.com, grocery shops, eating places, and gasoline stations, as much as the quarterly most while you activate.
1%
Earn 1% limitless money again on all different purchases – robotically.
The Uncover it® Money Again* is one other good card that prices nothing however a good credit score rating to open. It affords first rate rewards and an introductory APR on purchases and steadiness transfers, however what makes this card actually stand out is the Limitless Cashback Match welcome bonus. On your first yr as a cardholder, your entire money again earned is actually doubled by Uncover, with no limitations. You’ll be able to rack up much more money again with this welcome bonus than with most bank cards, however you’ll need to be affected person to earn it, as Uncover gained’t match your money again till after your full first yr as a cardholder is up.
For the quarterly rotating bonus class, you’ll earn 5% money again on as much as $1,500 in mixed spending for the quarter, then 1%. You need to activate these rewards by your account every quarter to earn them, although. Now by September, you possibly can earn these rewards on gasoline station and digital pockets purchases.
For extra info, see our full assessment of the Uncover it Money Again.
- Intro Stability Switch APR
- 0% for 15 months
- Intro Buy APR
- 0% for 15 months
- Common APR
- 17.24% – 28.24% Variable APR
- Stability Switch Charge
- 3% intro steadiness switch price, as much as 5% price on future steadiness transfers (see phrases)*
5%
Earn 5% money again on on a regular basis purchases at completely different locations every quarter like Amazon.com, grocery shops, eating places, and gasoline stations, as much as the quarterly most while you activate.
1%
Earn 1% limitless money again on all different purchases – robotically.
Finest for airline card
Fast Look
- Intro Provide
10,000 miles
Earn 10,000 American Airways AAdvantage® bonus miles and obtain a $50 assertion credit score after making $500 in purchases throughout the first 3 months of account opening
- Annual price
- $0
- APR
- 21.24% – 29.99% (Variable)
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
670 – 850
Good – Glorious
- Rewards price
1x
– 2x
Earn 2 AAdvantage® miles for every $1 spent at grocery shops, together with grocery supply providers; Earn 2 AAdvantage® miles for each $1 spent on eligible American Airways purchases; Earn 1 AAdvantage® mile for each $1 spent on different purchases
Intro Provide
10,000 miles
Earn 10,000 American Airways AAdvantage® bonus miles and obtain a $50 assertion credit score after making $500 in purchases throughout the first 3 months of account opening
Rewards Fee
1x
– 2x
Earn 2 AAdvantage® miles for every $1 spent at grocery shops, together with grocery supply providers; Earn 2 AAdvantage® miles for each $1 spent on eligible American Airways purchases; Earn 1 AAdvantage® mile for each $1 spent on different purchases
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
670 – 850
Good – Glorious
APR
21.24% – 29.99% (Variable)
The American Airways AAdvantage® MileUp®* is an entry-level rewards card for individuals who fly American Airways sometimes. You utilize the rewards you earn to redeem flights.
It affords a 25% financial savings on in-flight foods and drinks with a robust welcome bonus of 10,000 AAdvantage miles plus a $50 assertion credit score after spending $500 throughout the first three months of account opening. It’s a low spend requirement for a profitable bonus, which is uncommon for an airline bank card with out an annual price.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- N/A
- Common APR
- 21.24% – 29.99% (Variable)
- Stability Switch Charge
- 5% of every steadiness switch; $5 minimal.
2x
Earn 2 AAdvantage® miles for every $1 spent at grocery shops, together with grocery supply providers
2x
Earn 2 AAdvantage® miles for each $1 spent on eligible American Airways purchases
1x
Earn 1 AAdvantage® mile for each $1 spent on different purchases
The American Airways AAdvantage® MileUp®* is an entry-level rewards card for individuals who fly American Airways sometimes. You utilize the rewards you earn to redeem flights.
It affords a 25% financial savings on in-flight foods and drinks with a robust welcome bonus of 10,000 AAdvantage miles plus a $50 assertion credit score after spending $500 throughout the first three months of account opening. It’s a low spend requirement for a profitable bonus, which is uncommon for an airline bank card with out an annual price.
- Intro Stability Switch APR
- N/A
- Intro Buy APR
- N/A
- Common APR
- 21.24% – 29.99% (Variable)
- Stability Switch Charge
- 5% of every steadiness switch; $5 minimal.
2x
Earn 2 AAdvantage® miles for every $1 spent at grocery shops, together with grocery supply providers
2x
Earn 2 AAdvantage® miles for each $1 spent on eligible American Airways purchases
1x
Earn 1 AAdvantage® mile for each $1 spent on different purchases
Finest for eating rewards
U.S. Financial institution Altitude® Go Visa Signature® Card
Fast Look
- Intro Provide
20,000 factors
Intro Provide: Earn 20,000 bonus factors while you spend $1,000 in eligible purchases throughout the first 90 days of account opening.
- Annual price
- $0
- APR
- 20.24% – 29.24% (Variable)
-
Really useful Credit score
A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
-
800 – 850
Glorious
- Rewards price
1x
– 4x
4X factors on eating, takeout, and restaurant supply.; 2X factors on streaming providers.; 2X factors at grocery shops, grocery supply, gasoline stations, and EV charging stations; 1X level on all different eligible purchases.
Finest for eating rewards
U.S. Financial institution Altitude® Go Visa Signature® Card
Intro Provide
20,000 factors
Intro Provide: Earn 20,000 bonus factors while you spend $1,000 in eligible purchases throughout the first 90 days of account opening.
Rewards Fee
1x
– 4x
4X factors on eating, takeout, and restaurant supply.; 2X factors on streaming providers.; 2X factors at grocery shops, grocery supply, gasoline stations, and EV charging stations; 1X level on all different eligible purchases.
Rec. Credit score
Really useful Credit score: A credit score rating is used to point an applicant’s credit score worthiness and should present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.
800 – 850
Glorious
APR
20.24% – 29.24% (Variable)
In the event you eat out typically, the U.S. Financial institution Altitude card could be a rewarding selection. It affords one of many highest rewards charges for a no-annual-fee card, along with offering strong card perks.
It comes with a $15 streaming credit score for paying 11 consecutive months of a streaming service and its bonus classes provide rewards for a lot of fashionable purchases together with streaming providers and grocery shops. The one factor holding it again is that its welcome bonus has a excessive spending requirement with a low payout, however all in all it’s a flexible and cheap rewards card.
- Intro Stability Switch APR
- 0% intro APR for 12 billing cycles on steadiness transfers
- Intro Buy APR
- 0% intro APR for 12 billing cycles on purchases
- Common APR
- 20.24% – 29.24% (Variable)
- Stability Switch Charge
- Both 3% of the quantity of every switch or $5 minimal, whichever is larger
4x
4X factors on eating, takeout, and restaurant supply.
2x
2X factors on streaming providers.
2x
2X factors at grocery shops, grocery supply, gasoline stations, and EV charging stations
1x
1X level on all different eligible purchases.
In the event you eat out typically, the U.S. Financial institution Altitude card could be a rewarding selection. It affords one of many highest rewards charges for a no-annual-fee card, along with offering strong card perks.
It comes with a $15 streaming credit score for paying 11 consecutive months of a streaming service and its bonus classes provide rewards for a lot of fashionable purchases together with streaming providers and grocery shops. The one factor holding it again is that its welcome bonus has a excessive spending requirement with a low payout, however all in all it’s a flexible and cheap rewards card.
- Intro Stability Switch APR
- 0% intro APR for 12 billing cycles on steadiness transfers
- Intro Buy APR
- 0% intro APR for 12 billing cycles on purchases
- Common APR
- 20.24% – 29.24% (Variable)
- Stability Switch Charge
- Both 3% of the quantity of every switch or $5 minimal, whichever is larger
4x
4X factors on eating, takeout, and restaurant supply.
2x
2X factors on streaming providers.
2x
2X factors at grocery shops, grocery supply, gasoline stations, and EV charging stations
1x
1X level on all different eligible purchases.
What’s an annual price?
Some issuers cost a recurring annual price for utilizing a selected bank card. Annual charges can vary from $50 for a fundamental rewards card to over $600 for premium playing cards with luxurious perks. Bank cards with steep annual charges usually provide profitable rewards and perks, together with journey credit, airport lounge entry, journey protections and higher redemption choices. Nonetheless, many no-annual-fee bank cards nonetheless provide rewards and perks however drop the yearly price ticket.
How to decide on the perfect no-annual-fee bank card
Earlier than you apply for a bank card, think about what you need out of your card. Begin by evaluating your objectives to card options: A card with an introductory APR might assist do away with bank card debt or finance a big buy, whereas a rewards card might put some a refund in your pocket for basic spending.
You’ll need to select a bank card that bolsters the way you spend already — you don’t need to alter your spending habits to suit a bank card. You can begin with the fundamentals, like bank cards for groceries or gasoline.
Discovering a no-annual-fee bank card with a welcome bonus is an effective way to earn a better return in your spending — although not each card could have one. You’ll need to be certain you possibly can unlock the bonus with out spending on pointless purchases, in any other case you must exclude it out of your analysis.
Is a bank card with out an annual price best for you?
It comes all the way down to your spending habits and urge for food for perks. Whereas rewards bank cards with out an annual price provide a assured return in your spending, you could possibly get extra rewards elsewhere. Nonetheless, incomes larger rewards and benefiting from specialty journey perks (like TSA PreCheck or World Entry credit) is just one piece of the puzzle. In the event you don’t use these advantages sufficient to justify the annual price, it’s possible you’ll dig a much bigger gap than the one you began with.
Your bank card shouldn’t really feel like a chore, so if a portfolio of perks isn’t fairly what you’re in search of, a no-annual-fee bank card can nonetheless get the job carried out.
Find out how to maximize your no-annual-fee bank card
In the event you use your no-annual-fee bank card responsibly, you possibly can reap the advantages with out stressing over a excessive annual price ticket. Listed here are a number of tricks to think about when utilizing your card:
- Pay your steadiness on time and in full each month. Paying your bank card invoice on time and in full each month is without doubt one of the most necessary steps towards constructing sturdy credit score. Lacking a fee would possibly lead to steep late fee charges, and you may accrue curiosity expenses in the event you carry a steadiness.
- Reap the benefits of the welcome bonus and introductory APR. Loads of no-annual-fee bank cards provide welcome bonuses or introductory APR affords. In the event you qualify for a bank card with both profit, be sure you aren’t stretching your funds to fulfill the welcome bonus. And keep away from overspending just because curiosity isn’t accruing for now. As soon as a 0% intro APR interval ends, any remaining steadiness will begin accruing curiosity at your card’s common APR.
- Pair your no-annual-fee card with a rewards card. When you get the cling of your no-annual-fee bank card, pair it with a rewards bank card that expenses an annual price. By being extra intentional about the way you spend, each bank cards can match properly in your pockets whereas offering completely different wants and advantages.
- Don’t shut the account while you’re able to improve. In the event you add one other bank card to your pockets, don’t shut your no-annual-fee bank card — preserve it energetic. If you lose a line of credit score, you shorten the size of your credit score historical past and your credit score utilization — how a lot credit score you could have in comparison with the quantity of debt you carry. This sometimes dings your credit score rating, so think about your choices earlier than closing a bank card.
Find out how to apply for a no-annual-fee bank card
Comply with these steps to use for a bank card with out an annual price:
- Discover the cardboard that enhances your monetary habits. In the event you’re not able to tackle a rewards bank card with an annual price, there are many strong no-annual-fee choices out there. Rigorously think about every card’s rewards price, APR, advantages and credit score necessities to seek out the precise match to your wants.
- Apply securely on the bank card issuer’s web site. When you choose a card you need to apply for, click on the corresponding hyperlink above to entry the official utility web page or go to the issuer’s web site.
- Fill out the applying. You’ll want to supply your identify, date of beginning, Social Safety quantity, revenue and handle. Take note each bank card utility leads to a tough credit score verify, which provides the issuer permission to drag your credit score report from the credit score bureaus. A tough inquiry usually drops your credit score rating by a number of factors, however it’s normally solely short-term.
- In the event you’re authorised, begin utilizing your card responsibly. Deal with your new bank card such as you would money — solely swipe your card when you realize you could have the cash to repay your steadiness in full and on time. In the event you can’t sustain along with your steadiness or persistently pay your invoice late, your credit score rating will take a success. Set your account on autopay to eradicate any room for error.
The underside line
Paying an annual price isn’t at all times price it, particularly in the event you’re in search of a simple bank card that swaps top-tier advantages for a smaller annual price ticket. Nonetheless, you don’t need to pay an annual price to get worth out of your bank card. In the event you discover a no-annual-fee bank card with a rewards construction that pairs properly along with your spending habits, and also you handle to maintain up along with your month-to-month invoice, you may get extra long-term worth than you would possibly assume.
FAQs
Sure, there are bank cards designed for poor credit which have decrease necessities to qualify for. Some have annual charges whereas others don’t.
They will, however that doesn’t imply they’ll. It will depend on your relationship along with your card issuer and the standing of your account. You possibly can contact your bank card issuer and see in the event that they’ll waive an annual price, however there’s no assure.
Many rewards bank cards and journey bank cards have annual charges round $100. These are normally related to higher rewards charges and perks. Some bank cards, like premium journey bank cards, can value a whole lot of {dollars} or much more. These bank cards typically provide a number of annual assertion credit or different area of interest advantages.
Sure. The truth is, most steadiness switch bank cards provide no annual price. You’ll need to preserve an eye fixed out for steadiness switch charges, although. Most playing cards cost a 3% steadiness switch price, however some cost as a lot as 5%. In any other case, you’ll find a handful of bank cards with no steadiness switch price.
Our methodology
CNET opinions bank cards by exhaustively evaluating them throughout set standards developed for every main class, together with cash-back, welcome bonus, journey rewards and steadiness switch. We think about the everyday spending habits of a spread of client profiles — with the understanding that everybody’s monetary scenario is completely different — and the designated perform of a card.
For charges and costs of the Blue Money On a regular basis Card from American Specific, click on right here.
For charges and costs of the Hilton Honors American Specific Card, click on right here
*All details about the Uncover it Money Again, American Airways AAdvantage MileUp Card, Financial institution of America Journey Rewards bank card, Capital One SavorOne Money Rewards Credit score Card, Chase Freedom Flex, and Capital One Quicksilver Money Rewards Credit score Card has been collected independently by CNET and has not been reviewed by the issuer.
The editorial content material on this web page is predicated solely on goal, impartial assessments by our writers and isn’t influenced by promoting or partnerships. It has not been offered or commissioned by any third celebration. Nonetheless, we might obtain compensation while you click on on hyperlinks to services or products supplied by our companions.
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