- Enjoy savings on your favorite brands with special financing
- special offers, exclusive events and coupons.
There is no better way to maximize returns while minimizing costs than using an annuity-free credit card. Although you can sometimes get an exempt annual fee or an offsettable annual fee retention benefit, there is no reliable way to keep your self-paid fee below $0, except to use a free card and pay your balance in full every month.
Do you want to be paid for your daily expenses? Some cards give higher rewards for everyday items such as groceries and gasoline.
Do you have a sister card? If so, in the first year, there may be a company that waives annual fees, such as Capital One Venture Re., and Capital One Venture One Re. has no annual fees. If you plan to spend a considerable amount of money each year, cards with an annual fee may be a better choice.
What about the cooperative card? With the "Pursuit of the Ultimate Reward Card", you can pair the selected products, transfer the points to the reward-enhancing cards, and use the points for travel. For example, you can do this on free cards (no annual fee) and sapphire cards. More on that later.
Do you want to set it up and forget it? These cards are very suitable for use without consideration - they can get up to 2% cash back, such as Citibank's double cash card (1% when you buy plus 1% of what you pay), and there is no annual fee.
Do you want to pursue lucrative remuneration? Freedom chase and Discover it Cash Back are free of annual fees and offer a 5% quarterly refund. But pay attention to these requirements, because using these cards, you must activate to register new bonuses for each quarter. Also, note that the 5% cash return on the two cards applies only to purchases of up to $1500 in the current quarter category.
How about the contract bonus? Many have no annual fee cards with registration bonuses, even up to $200, just like Wells Fargo's cash wisdom. Alternatively, you can get back double cash at the end of the first year, such as Discover card, or double cash when you pay, such as Citigroup double cash.
With a balance transfer card or a 0% APR card, you can avoid charging interest for a limited period of time - this card may not be used too much in the future, so you don't need an annual fee.
Credit cards without annual fees are also easy to obtain because they sometimes require lower credit scores. If you need a guaranteed card or a bad debt or fair credit card, you will want to see if there is an annual fee, which may be another fee when cash is scarce.
In addition, although many reward cards have annual fees, some reward cards do not have annual fees. If you do not intend to use the card wisely, this is ideal.
Finally, these cards are great for building your credit, especially when you pay in full and on time every month to keep your balance low.
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