So make sure
you open cards with no annual fees or some you don't mind keeping.
Not exact matches
Both
cards come
with a big
annual fee, but also
open the doors to American and United lounges, and partner lounges in some cases, around the globe.
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 perks include: unlimited free transactions at non-U.S. Bank ATMs, up to a $ 1,000 discount on a home mortgage, no
annual fee for a home equity line of credit, up to 25 free trades
with a new self - directed brokerage account through U.S. Bankcorp Investments, an affiliate of the bank, free DepositPoint transactions, and a new account bonus when you
open a select U.S. Bank or FlexPerks credit
card.
Most of the
cards we've selected above come
with no
annual fee, which means that even if you
open them for the Black Friday, they won't burn a hole in your wallet over the next year.
So if you
open up 4 new travel reward
cards, each
with annual fees of $ 95, you'd be paying almost $ 400 for the
cards the next year.
All the USAA credit
cards open to people
with bad credit come
with a $ 35
annual fee.
With a lower
annual fee, keeping this
card long - term is not as much of an investment, and it will keep your points from expiring as long as you keep the
card open.
When you do
open a credit
card with your child, select a
card with a low interest rate and no
annual fee, and request a low limit.
This flat rate cash back
card has no
annual fee and comes
with a 0 % intro APR for 15 months from account
opening on purchases and balance transfers, after which a regular 16.49 % - 25.24 % variable APR applies.
While it might be tempting to close down your old
cards, it's a smarter idea to keep them
open (
with a zero balance) provided they don't charge an
annual fee.
If you are looking for the Aviator Silver credit
card with a $ 195
annual fee and elite qualifying mile earning opportunities, you need to first
open an Aviator Red
card, and request an upgrade after holding it for at least 90 days.
The British Airways Visa comes
with a $ 95
annual fee, but by hitting the minimum spending requirement when you
open the
card you can earn a sign - up bonus (see the review for current offer details).
If your credit is fair to good, your options
open up to
cards with low or no
annual fees, lower APRs and higher credit limits.
If you do qualify, you may have to pay an
annual fee to keep the
card open or secure the credit limit
with your own money.
This
card also comes
with no
annual fee, so you can enjoy all the benefits offered without having to pay to keep the account
open.
In terms of short - term rewards, the Ink Business Unlimited ℠ Credit
Card's $ 500 introductory spending bonus — for making $ 3,000 in purchases within the first three months of account opening — is one of the best we've seen for a card with no annual
Card's $ 500 introductory spending bonus — for making $ 3,000 in purchases within the first three months of account
opening — is one of the best we've seen for a
card with no annual
card with no
annual fee.
Capital One ® Venture ® Rewards Credit
Card is a good bang for your buck
with its sign - up bonus of 50,000 miles after spending $ 3,000 within the first three months of account
opening and its $ 95
annual fee (waived the first year).
Both
cards come
with a big
annual fee, but also
open the doors to American and United lounges, and partner lounges in some cases, around the globe.
One thing to note, while unsecured credit
cards won't require an initial deposit to
open, many
cards for those
with poor credit will charge an
annual fee, which will generally be charged when you activate your account (and then each year on your account anniversary date).
One thing to look out for when applying for a new credit
card to finance a pressing dental bill is that most subprime credit
cards come
with an
annual fee that will be charged as soon as you
open the account.
7 Welcome Bonus applies only to the new TD Business Travel ® Visa * Account
opened for the
Card with the
Annual Fee of $ 149 issued in the name of the business (the «Account»).
Those who already have the Ink Plus Business Credit
Card can continue to use it
with the same benefits, or you can
open an Chase Ink Business Cash ℠ Credit
Card, which has most of the same categories and earnings rates at no
annual fee.
Rather than canceling all your
cards at once, try to keep your oldest credit
card open and active, or choose to keep or apply for a credt
card with a low or no
annual fee.
Keeping a Chase freedom
open will allow you to transfer your UR points into it, and keep that
card open with no
annual fee.
The Chase Southwest Rapid Rewards ® Premier Credit
Card comes
with a slightly higher
annual fee of $ 99 that will be charged on the first statement after account
opening.
Citi is so aggressive
with their
Annual fee waiver program you might earn miles to keep the
card open (1k a month x 16 months).
The current signup bonus is 30,000 miles for
opening a
card, in addition to 5,000 MQMs, though the $ 150
annual fee isn't waived (there have been times during previous years when they offered a better bonus, such as 40,000 redeemable miles and 15,000 MQMs
with a $ 100 statement credit).
The British Airways Visa comes
with a $ 95
annual fee, but by hitting the minimum spending requirement when you
open the
card you can earn a sign - up bonus (see the review for current offer details).
Those who already have the Ink Plus Business Credit
Card can continue to use it
with the same benefits, or you can
open an Chase Ink Business Cash ℠ Credit
Card, which has most of the same categories and earnings rates at no
annual fee.
Both
cards come
with a big
annual fee, but also
open the doors to American and United lounges, and partner lounges in some cases, around the globe.
So if you
open up 4 new travel reward
cards, each
with annual fees of $ 95, you'd be paying almost $ 400 for the
cards the next year.
With a lower
annual fee, keeping this
card long - term is not as much of an investment, and it will keep your points from expiring as long as you keep the
card open.
For most shoppers, the better value will be in an
open - loop rewards credit
card with no
annual fee or a great interest rate offer.
I keep a spreadsheet
with all credit
cards I
open, including the date that they are
open, the minimum spend amount required, the last date the spend is due, the day the airline miles bank in my account, and when the
annual membership
fee is charged (most reward credit
cards will charge a yearly
fee, but waive it for the first year.
[+] There is a sign - up bonus that earns you 60,000 points [+] You have to spend $ 1000 in the first three months to earn the points [+] Earn an extra 5000 points if you add an authorized user who then makes purchases [+] The
annual fee is waived for the first year [+] You get five points per dollar spent at IHG hotels [+] Get two points per dollar you spend at gas stations and in restaurants [+] Earn two points per dollar when you spend in most grocery stores [+] Get one point per dollar spent when you spend
with most other merchants [+] You get a free night's stay at one of their hotels for having your
card a full year [+] There are over 5000 hotels worldwide where you may use your free night's stay [+] Opt in for platinum elite status that continues while your account is
open and active
There is a $ 95
annual fee but for someone
with excellent credit who spends a lot on travel, this
card can
open the door to some substantial savings.
This flat rate cash back
card has no
annual fee and comes
with a 0 % intro APR for 15 months from account
opening on purchases and balance transfers, after which a regular 16.24 % - 24.99 % variable APR applies.
The Hyatt Credit
Card also comes
with two free night certificates valid at any Hyatt property worldwide after you make $ 1,000 in purchases in the first 3 months after account
opening, and you earn another free night in a Category 1 - 4 property every year on your cardmember anniversary (after paying the $ 75
annual fee).
Most of the
cards we've selected above come
with no
annual fee, which means that even if you
open them for the Black Friday, they won't burn a hole in your wallet over the next year.
Most credit
cards with an
annual fee will charge the first
fee when you
open your account, then subsequent
fees every 12 months on your anniversary.
With no
annual fee, complimentary Silver status (and thus access to GLON rewards), bonus points, and the ability to redeem AXON rewards, the regular Hilton Amex is a great
card to have in your wallet that
opens up a lot of points - saving opportunities.
They now have an offer for $ 100 statement credit
with $ 1,000 spend in 1st 90 days after
card opening to more than offset their $ 75
annual fee (not waived).
And the Capital One Venture has a sign - up bonus of 50,000 points for spending $ 3,000 in the first three months after
opening the
card (
with a waived first - year
annual fee of $ 95).
Along
with offering 50,000 points after spending $ 3,000 in the first 90 days of
opening your account and rewards on every purchase, the Bank of America Premium
card offers travel perks that usually accompany
cards with a much higher
annual fee, including an
annual $ 100 credit for airline incidentals, a $ 100 credit for Global Entry and TSA PreCheck application
fees every four years, and some very generous travel protections.
I highly recommend keeping a spreadsheet
with every
card you
open, the date you
opened it, the
annual fee, the minimum spending requirements (more on that below), and any other information you think is important.
The Citi Prestige ®
Card charges a $ 450 annual fee, and the introductory bonus offer allows you to earn 40,000 bonus points after $ 4,000 in purchases made with your card in the first 3 months the account is o
Card charges a $ 450
annual fee, and the introductory bonus offer allows you to earn 40,000 bonus points after $ 4,000 in purchases made
with your
card in the first 3 months the account is o
card in the first 3 months the account is
open.
It now comes
with 40,000 bonus ThankYou Points after $ 4,000 in purchases made
with your
card in the first 3 months the account is
open, $ 250 in airfare or airline
fee credits per calendar year, access to the Priority Pass lounges, the fourth night free on paid hotel stays, 3x points per dollar on air travel and hotels, and a $ 450
annual fee.
Unlike the Capital One ® VentureOne ® Rewards Credit
Card, the Barclaycard Arrival Plus ® World Elite Mastercard ® Barclaycard Arrival Plus ® World Elite Mastercard ® only features no annual fee for the first year (after that it's $ 89 annually); however, with this card, cardholders will earn 2 miles for every $ 1 spent, and will receive a 40,000 - mile bonus after spending $ 3,000 on the card within the first 90 days of account open
Card, the Barclaycard Arrival Plus ® World Elite Mastercard ® Barclaycard Arrival Plus ® World Elite Mastercard ® only features no
annual fee for the first year (after that it's $ 89 annually); however,
with this
card, cardholders will earn 2 miles for every $ 1 spent, and will receive a 40,000 - mile bonus after spending $ 3,000 on the card within the first 90 days of account open
card, cardholders will earn 2 miles for every $ 1 spent, and will receive a 40,000 - mile bonus after spending $ 3,000 on the
card within the first 90 days of account open
card within the first 90 days of account
opening.
In looking to close the Capital One
cards that have
annual fees, they never increase balance and interest rate is not so good... I found that if you have more than one
card with them you can close the one not being used, TRANSFER THE LOC for that
card to the one you are keeping
open (and all debt, etc... would transfer but we had none on any of these) and keep the history.