If the final result is higher than the net value of your rewards card, then the cash
back card with no annual fee is the better option.
Generally speaking, cash -
back cards with an annual fee will earn you a higher base percentage, so you need to factor that in if you're comparing it to a no - fee card.
Some rewards cards are usually reserved for high rollers, but if you opt for a simple cash
back card with no annual fee like the Chase Freedom or Citibank Dividend, you should have no problem getting approved for one.
Compare that with a 1.5 % cash -
back card with no annual fee.
Card comparison site NerdWallet recently named the Chase Freedom card as the best cash -
back card with no annual fee.
However, if you don't plan to make at least $ 15,000 in purchases, we would recommend instead the Chase Sapphire Preferred ® Card or a cash
back card with no annual fee like the Citi ® Double Cash Credit Card.
Compare that with a 1.5 % cash
back card with no annual fee.
If the result is higher than the net value of the rewards card, then the 1.5 % cash
back card with no annual fee is the better option.
This is a super high reward rate for a cash
back card with no annual fee.
For instance, it might be worth getting a cash
back card with an annual fee if you use it every week.
The Ink Business Cash credit card from Chase is a candidate if you want a cash
back card with no annual fee.
Try a cash
back card with no annual fee and a low APR; they often don't require folks to have stellar credit to qualify.
This means you need to spend $ 11,800 per year to be better off with this card compared to a 2 % cash
back card with no annual fee.
You prefer a cash
back card with no annual fee that also offers a higher - than - usual rewards rate and a large sign - up bonus.
American Express, like most major card issuers, offers a wide variety of reward credit cards — from cash
back cards with no annual fees, to cards that earn extra points at grocery stores to co-branded airline and hotel cards to upscale travel reward cards that cost $ 450 a year.
After the first year you do need to be spending more than $ 11,800 to offset the annual fee compared to a 2 % cash
back card with no annual fee.»
The Rewards card is a cash -
back card with no annual fee, and the Arrival card has an $ 89 annual fee (waived the first year) and earns «miles» that can be used as statement credits against travel purchases.
It is essentially a cash -
back card with no annual fee, and you could use it for its healthy bonuses for spending on gas, dining out, non-Delta travel purchases and at Costco.
Do you know how many major issuers (JCB Marukai doesn't count) have 2 % cash
back cards with no annual fee?
That's the reason Discover it ® - Cashback Match ™ is the CardRating's 2018 Editor's Choice pick for best cash -
back card with no annual fee.
But I get it — that's been the primary complaint about the Arrival Plus card: «Why keep this card when I can get a 2 % cash
back card with no annual fee?»
That's a pretty good haul for a maintenance - free cash
back card with no annual fee.
However, if you don't plan to make at least $ 15,000 in purchases, we would recommend instead the Chase Sapphire Preferred ® Card or a cash
back card with no annual fee like the Citi ® Double Cash Credit Card.
Not exact matches
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:
Some worthwhile contenders include the «Discover it»
card, which will double your cash
back at the end of the first year, or Citi Double Cash, which gives you 2 percent cash
back on everything
with no
annual fees, or Chase Freedom, which offers a $ 150 bonus if you spend $ 500 in the first three months, Schulz said.
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.
If that's the case, it's better to go
with a
card with that has fixed 2 % cash
back rewards and no
annual fee.
In return for using their loyalty brand credit
card, Canadian consumers typically receive about 2 % of their spending,
back in terms of rewards, unless they use a credit
card with an
annual fee.
If you're in the market for a rewards
card with no annual fee, Bank of America has your back with its Bank of America ® Travel Rewards Credit C
card with no
annual fee, Bank of America has your
back with its Bank of America ® Travel Rewards Credit
CardCard.
Some financial establishments also offer
cards with low intro rates and perks such as cash
back, a long introductory period of 18 months, no
annual fee or
annual fee waivers, and many others.
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.
If you have one of the premium Ultimate Rewards
cards (i.e. one
with an
annual fee), this 5 % cash -
back can become 5X Ultimate Rewards points per dollar.
The Ink Business Cash ℠ Credit
Card is a no annual fee cash back card, with lower caps on its special bonus categories, that makes more sense for smaller busines
Card is a no
annual fee cash
back card, with lower caps on its special bonus categories, that makes more sense for smaller busines
card,
with lower caps on its special bonus categories, that makes more sense for smaller businesses.
Here are the main features of each
card: the Venture ® Rewards gets you 2x miles per dollar (10x on hotels.com/Venture)
with an
annual fee of $ 95 (waived in Y1) while the Quicksilver ® Cash
Back is a no - fee credit card that gets you a straightforward 1.5 % cash b
Back is a no -
fee credit
card that gets you a straightforward 1.5 % cash
backback.
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, the American Express Blue Cash Preferred
Card has a $ 95
annual fee, but also comes
with 6 % cash
back at grocery stores, 3 % at gas stations and 1 % on other purchases.
This is a fantastic rate, considering that a majority of cash
back cards also come
with no
annual fee.
A quick shortcut is to compare a rewards
card with an
annual fee to a 1.5 % cash
back card that charges no
annual fee.
You can see the Blue Cash Everyday is an easy
card to understand rewards
card that gives you a nice cash
back with no
annual fee.
With a few exceptions, cash back cards come with no annual
With a few exceptions, cash
back cards come
with no annual
with no
annual fee.
The Blue Cash Preferred ®
Card from American Express is a superior cash - back card and can be an ideal everyday card as long as you use it enough overcome its annual fee and are comfortable with its restrictions on where you shop for groceries and
Card from American Express is a superior cash -
back card and can be an ideal everyday card as long as you use it enough overcome its annual fee and are comfortable with its restrictions on where you shop for groceries and
card and can be an ideal everyday
card as long as you use it enough overcome its annual fee and are comfortable with its restrictions on where you shop for groceries and
card as long as you use it enough overcome its
annual fee and are comfortable
with its restrictions on where you shop for groceries and gas.
Start
with a
card that has no
annual fee and only buy what you can afford — meaning you'll pay off the bill in full when it arrives so you avoid interest charges — then use the rewards for cash
back, free travel and other perks.
If you're looking for a 1.5 % rewards rate, the Capital One ® Spark Cash ® Select is a business
card with 1.5 % cash
back and no
annual fee whatsoever.
You could consider a credit
card with a cash
back rewards program that can be used to offset a part of your
fees and interest charges, however, they tend to come
with high
annual fees or higher than average APRs.
For this reason, we recommend that a company pair this
card with a no
annual fee cash
back card to get a better return on non-flight expenditures.
If you don't incur interest or
fees on your transactions or have an
annual fee to pay, a cash
back program can actually «pay» you
back a small amount for purchases made
with your credit
card.
Here are the main features of each
card: the Venture ® Rewards gets you 2x miles per dollar (10x on hotels.com/Venture)
with an
annual fee of $ 95 (waived in Y1) while the Quicksilver ® Cash
Back is a no - fee credit card that gets you a straightforward 1.5 % cash b
Back is a no -
fee credit
card that gets you a straightforward 1.5 % cash
backback.
The Citi ® Double Cash
Card — 18 month BT offer's combined cash back rate on all purchases is best in class for a card with a $ 0 annual fee: You get 1 % back on every dollar you spend and another 1 % back when you pay off your purcha
Card — 18 month BT offer's combined cash
back rate on all purchases is best in class for a
card with a $ 0 annual fee: You get 1 % back on every dollar you spend and another 1 % back when you pay off your purcha
card with a $ 0
annual fee: You get 1 %
back on every dollar you spend and another 1 %
back when you pay off your purchases.
If you are looking for a cash
back card with solid rewards that has no annual fee, then look no further than the exalted Blue Cash Everyday ® Card from American Expr
card with solid rewards that has no
annual fee, then look no further than the exalted Blue Cash Everyday ®
Card from American Expr
Card from American Express.
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 rewards