If you don't mind paying an annual fee for credit cards, no annual fee credit card is a good option. You may also have to pay additional fees for purchases and balance transfers. The annual fee for these cards is not justified if the rewards that the card offers are better than the annual cost. In general, the rewards are earned by spending a large amount of money in a particular category.
Find it(r), Cash Back
For people who want to increase the cash they make from their spending, the Discover it(r), Cash Back credit card has no annual fees. This card gives you up to 2% cashback for purchases and payments. It also has 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
Travelers who are looking for a credit card with no annual fee and great rewards points will love the Chase Freedom Flex. The card earns 1c per each point. You can transfer the points to other Chase credit cards, airline partners, or transfer them 1:1. You also get a cell phone protection plan with the card. This plan allows cardholders to receive $1,000 of insurance annually in the case 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 is a great no annual fee credit card. It offers 2% cash back on purchases in certain categories. For anyone who likes to earn cash back, this is a great deal. Also, the 0% APR on balance transfers is a plus. To get even more cash back you can also combine this card with 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. These cards have similar benefits and earning structure. For example, both earn two Membership Rewards points for every dollar you spend at U.S. supermarkets, and one point for every dollar spent elsewhere. Both cards offer a 20% bonus points per billing cycle, which can be converted to cash.
Bank of America Customized Cash
The Bank of America Customized Cash no annual fee card has a low annual fee and offers a generous introductory APR. However, it has few benefits and little rewards. Its introductory rate is 0% on purchases. This also applies to balance transfers.
Hilton Honors Amex
Hilton Honors Amex credit is worth your consideration if you are a frequent Hilton Guest. A limited time offer: New cardmembers may earn up 80,000 points by spending $1,000 on eligible transactions. These points can be used at Hilton properties as well as U.S. supermarkets and restaurants. 3X points are available on eligible purchases.