This no annual fee card earns 1.5 percent back on all purchases.
The no annual fee card earns 3 % at grocery stores, the annual fee Preferred version 6 %.
This no annual fee card earns 1 % cash back on all purchases, but then you also earn another 1 % cash back for paying your balance.
In addition to those earnings, you can always combine the Sapphire Reserve with a Chase Freedom card (or two) or Ink Cash and have additional no -
annual fee cards earning you tons of extra points at the rate of 5X on certain categories (dining, groceries, cable bill, etc.) or 1.5 X on all purchases.
Not exact matches
Say you opened the
card in February — you can
earn the full $ 200 credit before the calendar year ends, then once the credit resets on January 1, get it again before your next
annual fee posts, meaning you can get up to $ 400 in value from this credit each year.
The
card, which has a $ 95
annual fee,
earns 3x points per dollar on the first $ 150,000 you spend each cardmember year in a few categories, including travel, shipping, internet / cable / phone, and advertising on social media sites or with search engines, such as Google Ads.
The
card charges a $ 95
annual fee and
earns you two points per dollar spent on travel and one - and - a-half points on all other purchases.
Buying products and services with your
card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't
earn points: balance transfers, cash advances and other cash - like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and
fees of any kind, including an
annual fee, if applicable.
Even when we add in the
annual fee in the second year, our model cardholder still
earns a larger amount of cash back with the Capital One Spark Cash
card:
With this
card, you'll
earn flexible rewards that are good for both travel and cash back — and all without paying an
annual fee or foreign transaction
fees.
There are fewer ways to
earn bonus miles on purchases when compared with other
cards, but with no
annual membership
fee, it's a competitive travel rewards credit
card.
Here I conclude that for anyone like me who does not travel much at all and have Freedom and Freedom Unlimited
cards (both
earn UR Points) the overall net benefit is more with $ 450
annual fee CSR
card when compared to lower
fee CSP
card (Please see the math above).
Annual Fee: $ 95 ($ 0 the first year) Reasons to Consider: 1:1 point transfer partners / 2x points on all travel and dining purchases If you primarily want a
card that makes it easy to
earn and redeem rewards points, look no further than the Chase Sapphire Preferred.
If you're just a casual United passenger, the no -
fee United TravelBank or $ 95 - a-year United MileagePlus Explorer
Card can be a better choice as you can still
earn points for United award travel on every purchase without the large
annual fee.
For one, infrequent travelers or restaurant diners won't
earn enough in points with this
card to justify its $ 95
annual fee, at least after the first year (for which the
fee is waived).
Add in the big sign - up bonus, and this
card can easily pay for itself and then some, even with an
annual fee of
Earn 50K bonus points after you spend $ 4,000 on purchases in the first 3 months from account opening.
The best small business credit
cards offer signup bonuses and the ability to
earn points, miles or cash back on purchases, and many don't have
annual fees.
But to justify paying the
annual fee and keep the
cards open you would need to
earn at roughly 10,000 points through spending, imho.
If you are looking for a small business credit
card, you'll probably focus on the benefits and rewards you can
earn, as well as the
annual fee and interest rate you'll pay.
Consider looking into the AMEX Starwood Preferred Guest credit
card (if you'd like to
earn hotel nights as well), the AMEX Platinum (if you're a very frequent traveler), and the AMEX Everyday (for a no
annual fee option).
Even if you think you'll
earn back enough to pay for the
annual fee, see if choosing the no
fee card would get you more cash back.
As we discussed above, you must have at least 1 premium Ultimate Rewards
card to convert the cash - back you
earn from
cards with no
annual fee to points that can be transferred to airline and hotel partners.
Since this
card doesn't charge an
annual fee, the Ultimate Rewards points you
earn through it are really only usable as cash back.
The Citi ThankYou ® Preferred
Card lets you earn ThankYou ® Points on life's everyday adventures, including dining out, entertainment and more — all with a low intro APR and no annual fee.1 Plus choose from a great selection of ThankYou ® credit card redemption options including Shop with Points for eligible purchases at Amazon.com or at BestBuy.
Card lets you
earn ThankYou ® Points on life's everyday adventures, including dining out, entertainment and more — all with a low intro APR and no
annual fee.1 Plus choose from a great selection of ThankYou ® credit
card redemption options including Shop with Points for eligible purchases at Amazon.com or at BestBuy.
card redemption options including Shop with Points for eligible purchases at Amazon.com or at BestBuy.com.
Notably, the 50,000 points sign - up bonus
earned after spending $ 4,000 within three months is worth $ 750 redeemed for Ultimate Rewards ® travel, plus the
card packs in $ 300 worth of
annual travel statement credits and a $ 100 credit toward paying Global Entry or TSA Pre ✓ ® * application
fees.
Skip these
cards if: the
annual fee will not be outweighed by the rewards you are likely to accrue (if you are not diligent about using the
card often, it's difficult to
earn a significant number of rewards).
Main salient features of each
card: the Venture ® Rewards
earns 2 miles per dollar charged with an
annual fee of $ 95 (waived in the first year) while the VentureOne ® is a free credit
card and
earns 1.25 miles per dollar swiped.
There are no
annual fees and
card owners
earn an unlimited 1.5 % cash back reward.
You're unlikely to pay attention to the terms and may be unlikely to
earn enough points to make up for a
card that comes with an
annual fee.
With a sign - up bonus and no
annual fee, the Chase Freedom ®
card makes sure that you
earn cash back, and keep on
earning.
For example, you might be able to
earn double miles on all purchases with a
card that has a $ 95
annual fee.
If you're looking for an easy way to
earn rewards on your travel, but you'd rather not pay an
annual fee to do so, the BankAmericard Travel Rewards ®
card might be a good bet for you.
Instead, you have to compare at the value of the rewards you are
earning with those that you could have
earned from a similar
card that has no
annual fee.
«The
card provides great benefits and business solutions, but won't pay off unless your company
earns enough rewards from
annual spending to come out ahead of the high
annual fee.»
To calculate the point at which it pays to
earn 2 % back versus the 1.3 % you get through The Blue for Business ® Credit
Card from American Express, we divided the
annual fee by the difference in rewards rates.
You should get the Discover it ® Secured
Card — No
Annual Fee if you have poor credit and want to build up your FICO score while
earning cash back at the same time.
It's always nice to have more options for
cards with both no
annual fee and no foreign transaction
fee, but it's especially useful with the Costco Anywhere
cards since they
earn 4 % on gas, 3 % at restaurants, and 3 % on travel expenses such as hotels — all great categories for travel abroad.
Figure out how much you are likely to
earn through the rewards program based on your expected credit
card use; and then subtract the cost of the
annual fee and amount of interest paid if you carry a balance from month to month.
Bottom Line: The Barclays Arrival Plus ® World Elite MasterCard ® has the best
earning rate from similar travel rewards and cash - back
cards, but it has an $ 89
annual fee.
Individuals with low to moderate spending are better off with a no -
annual -
fee card, such as the Discover it ® Miles or the regular Venture, as they will only serve to
earn rewards, with no need to worry about making up any
card upkeep costs.
Because the Chase Freedom Unlimited ®
Card doesn't have an
annual fee, the Ultimate Rewards points that it
earns (as cash - back) are a bit restricted.
The more you spend with the credit
card, the more you will
earn in rewards — but you need to be careful that your reward
card doesn't end up costing you more in
annual fees and finance charges than you
earn in rewards by making your payments in full each month and before the due date.
However, if you're trying to keep costs at a minimum you might select a rewards -
earning business
card with no
annual fee such as Chase Ink Business Cash
card.
Using the same supermarket - only analysis, if you spend at least $ 61 per week at supermarkets, you'll
earn more with the Blue Cash Preferred ®
Card from American Express, even after the
annual fee.
The introductory Preferred
card has no
annual fee, no standard sign - up bonus and
earns double points on only dining and entertainment.
PENFED Platinum Rewards Visa #
Earn 2 % cash back on supermarket purchases * # Earn 5.00 % cash back from gas purchases paid at the pump # Earn 1.25 % cash back from all purchases ** you make with the card during each billing cycle # Up to $ 50,000 limit # No Annual Fee # Cash Rewards credited each month # No special restrictions to earn your cash rew
Earn 2 % cash back on supermarket purchases * #
Earn 5.00 % cash back from gas purchases paid at the pump # Earn 1.25 % cash back from all purchases ** you make with the card during each billing cycle # Up to $ 50,000 limit # No Annual Fee # Cash Rewards credited each month # No special restrictions to earn your cash rew
Earn 5.00 % cash back from gas purchases paid at the pump #
Earn 1.25 % cash back from all purchases ** you make with the card during each billing cycle # Up to $ 50,000 limit # No Annual Fee # Cash Rewards credited each month # No special restrictions to earn your cash rew
Earn 1.25 % cash back from all purchases ** you make with the
card during each billing cycle # Up to $ 50,000 limit # No
Annual Fee # Cash Rewards credited each month # No special restrictions to
earn your cash rew
earn your cash rewards
The American Express ® Gold
Card offers a low
annual fee (compared to other charge
cards) while still giving cardholders the ability to
earn AMEX Membership Rewards, which is a high - value rewards program.
Main salient features of each
card: the Venture ® Rewards
earns 2 miles per dollar charged with an
annual fee of $ 95 (waived in the first year) while the VentureOne ® is a free credit
card and
earns 1.25 miles per dollar swiped.
In general, having the Chase Freedom ® and Chase Ink Business Cash ℠ Credit
Card make it easy, as these
cards are no
annual fees and simply add 2 - 5x points in certain categories that the Chase Sapphire Preferred ®
Card can't
earn.
For a $ 450
annual fee, the Delta Reserve Credit
Card may seem like it skimps on the bonuses (10,000 MQMs and 10,000 bonus miles) but all you need to do to earn them is make a purchase on your c
Card may seem like it skimps on the bonuses (10,000 MQMs and 10,000 bonus miles) but all you need to do to
earn them is make a purchase on your
cardcard.