Such a card program is ideal for people who prefer simple cash back
rewards at no annual fee.
Such a card program is ideal for people who prefer simple cash back
rewards at no annual fee.
Not exact matches
The Blue Delta SkyMiles is a great option for budget conscious travelers and frequent flyers who want a secondary
rewards card — you fly Delta
at least once a year but not enough to justify owning a Delta credit card with an
annual fee.
Let's look
at a comparison of the SPG Amex credit card, Hilton Honors Surpass from American Express and the IHG
Rewards Club Select credit card (free night certificate, low
annual fee, and low minimum spend helps separate this hotel card).
One of the best low -
annual -
fee credit cards to start off with is the Chase Sapphire Preferred ® Card, but take a look
at our other travel
reward credit cards too.
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.
Generally, it is recommended that if you spend
at least $ 24,000 + per year with your credit card, the FlexPerks Travel
rewards card is the better card between the two (U.S. Bank grants a 3,500 FlexPoints bonus
at this level that can cover the
annual fee).
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.
At the end of the day, we recommend the SavorSM card for spenders who want simple cash
rewards for dining and everyday purchases, without having to worry about an
annual fee.
That is the breakeven point
at which, despite paying the $ 175
annual fee, The Business Gold
Rewards Card from American Express OPEN will become more profitable than the no -
annual -
fee card.
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.
I'd add that when looking
at rewards cards you need remember to watch out for
annual fees.
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.
While the
rewards this card provides aren't anything too special, the fact that it has no
annual fee makes it
at least worth your consideration.
With this benefit, the first $ 5,000 you spend with the card will have an effective
rewards rate between 9 and 11 % (
at worst)- even if you take the card's
annual fee into account.
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 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 credited each month # No special restrictions to earn your cash
rewardsrewards
Since both this and The Plenti ® Credit Card from Amex come with no
annual fee, users should get both to maximize their
rewards - using The Plenti ® Credit Card from Amex
at supermarkets and restaurants, and the Citi ® Double Cash Credit Card everywhere else.
Considering the 6 %
rewards alone, you would need to spend about $ 31 per week
at the supermarket to break even on the
annual fee.
Given the high
annual fee, the
rewards program on its own is nothing to be excited about — there are many cards that offer similar effective
rewards and / or cash back rates with an
annual fee of less than $ 100, and some that have no
annual fee at all.
The Capital One ® Quicksilver ® Cash
Rewards Credit Card is the no -
annual -
fee variant, though consumers generally need a FICO score of
at least 750 to receive the card.
Paying the
annual fee only makes sense for firms that spend more than that, since
at that point the bonus
rewards you get from using this card will outweigh your initial investment.
It would take approximately $ 17,000 + in
annual spending to make up for this $ 116 deficit in value (assuming a $ 100 hotel stay, plus the $ 16 difference in
annual fees), year - to - year - that is the point
at which the 2.4 %
rewards rate of the SPG beats out the 1.5 % rate users get from gas station, restaurant, and grocery spending.
However, as long as you spend
at least $ 2,730 annually, the difference in
annual fees is more than made up for with the greater
rewards.
While it is not aimed
at earning travel
rewards, and has a $ 450
annual fee, it focuses instead on providing up - front benefits and features to frequent travelers.
For those who prefer to keep costs down, there are plenty of credit cards with no
annual fee at all, including some that offer
rewards.
This card has the same
rewards point distribution as the Ritz - Carlton Rewards ® Credit Card (5 -2-1), but comes at a greatly reduced price - tag — the Marriott Rewards ® Premier Credit Card has an $ 85 annu
rewards point distribution as the Ritz - Carlton
Rewards ® Credit Card (5 -2-1), but comes at a greatly reduced price - tag — the Marriott Rewards ® Premier Credit Card has an $ 85 annu
Rewards ® Credit Card (5 -2-1), but comes
at a greatly reduced price - tag — the Marriott
Rewards ® Premier Credit Card has an $ 85 annu
Rewards ® Premier Credit Card has an $ 85
annual fee.
Look
at creditcards.com, I know the chase freedom has great cash back
rewards with no
annual fee, assuming you're in the US.
For example, if you are interested in a cash back
rewards card the Discover it ® Secured Card — No
Annual Fee card, as the name indicates, has no annual fee and offers 2 % cash back at gas stations and restaurants on up to $ 1,000 in combined purchases each quarter, automati
Annual Fee card, as the name indicates, has no annual fee and offers 2 % cash back at gas stations and restaurants on up to $ 1,000 in combined purchases each quarter, automatical
Fee card, as the name indicates, has no
annual fee and offers 2 % cash back at gas stations and restaurants on up to $ 1,000 in combined purchases each quarter, automati
annual fee and offers 2 % cash back at gas stations and restaurants on up to $ 1,000 in combined purchases each quarter, automatical
fee and offers 2 % cash back
at gas stations and restaurants on up to $ 1,000 in combined purchases each quarter, automatically.
Compare 23
reward cards offering
at least 1 % cash back with no
annual fee.
The Venture ®
Rewards credit card offers a higher rewards rate, at the cost of a $ 95 annual fee (waived the first
Rewards credit card offers a higher
rewards rate, at the cost of a $ 95 annual fee (waived the first
rewards rate,
at the cost of a $ 95
annual fee (waived the first year).
If you want the added benefits of earning travel
rewards at a good rate on all the spending you do (not just Uber), the
annual fee can be worthwhile.
At the cost of the extra rewards on AmexTravel, and UBER, the Blue Cash Preferred ® Card from American Express gives users a 6 % cash back at US supermarkets on up to the first $ 6,000 in purchases each year (1 % after), and a $ 95 annual fe
At the cost of the extra
rewards on AmexTravel, and UBER, the Blue Cash Preferred ® Card from American Express gives users a 6 % cash back
at US supermarkets on up to the first $ 6,000 in purchases each year (1 % after), and a $ 95 annual fe
at US supermarkets on up to the first $ 6,000 in purchases each year (1 % after), and a $ 95
annual fee.
This is because to earn more
rewards with the IHG ® Rewards Club Traveler Credit Card than the Citi ® Double Cash Credit Card — after accounting for the $ 29 annual fee — you would have to spend more than $ 2,400 at IHG
rewards with the IHG ®
Rewards Club Traveler Credit Card than the Citi ® Double Cash Credit Card — after accounting for the $ 29 annual fee — you would have to spend more than $ 2,400 at IHG
Rewards Club Traveler Credit Card than the Citi ® Double Cash Credit Card — after accounting for the $ 29
annual fee — you would have to spend more than $ 2,400
at IHG hotels.
With a monthly cash
rewards credit, instant discounts
at select retailers, no
annual fee, and the excellent benefits and customer service you can expect from American Express, the SimplyCash ® Business Card looks like a great business credit for those that qualify.
For example, on a 1 % cash back
rewards card with a $ 59
annual fee, you'd need to make
at least $ 5,900 in purchases each year on the card just to cover the cost of owning the card.
Get a no
annual fee Rewards Preferred Mastercard that is accepted
at millions of locations worldwide.
If, through your spending, you do not earn enough
rewards to justify the
annual fee, we recommend looking
at other options.
15 months post-discharge, we applied for an unsecured credit card and got it
at a very good rate with no
annual fee and
rewards;
So, if you spend
at least $ 3,167 per year in groceries, you will earn enough additional cash back
rewards to justify the current (2018) $ 95
annual fee for Preferred version.
If you spend
at least $ 105 per month
at US supermarkets, the cash back you earn will already cover the
annual fee, which means that the gas and department store
rewards, plus 1 % cash back on all other purchases will be your real savings.
If you spend
at least $ 7,866 a year, the Venture
Rewards card will let you make back the
annual fee and more.
With the no -
annual -
fee version of the Barclaycard Wyndham
Rewards card you can earn 18,000 Wyndham points (worth 1 nights
at any Wyndham hotel) after meeting minimum spending requirements.
If you spend
at least $ 10,000 annually on your credit card (average $ 833 / month), you will earn a bonus 5,000 Expedia +
rewards bonus points, which can have a value of up to $ 70, thus covering most of the
annual fee.
These low APR credit cards have no
annual fee, and offer
rewards at the rate of one point for every dollar spent with your Chase card.
We look
at the best three
rewards credit cards for college students that have no
annual fee and a handful of perks that make them great.
Designed to
reward you for using the card for your everyday spending, the Frontier Airlines World MasterCard has two versions: one that carries a $ 69
annual fee and one with no
annual fee at all.
To get enough
rewards to break even on the
annual fee, your business would have to pay
at least a total of $ 17,000 early each year.
The Chase Ink Business Cash Credit Card and Chase Ink Classic have NO
annual fee, but you get 5X Ultimate
Rewards points or 5 % cash back
at office supply stores only for $ 25,000 in
annual spending per year
at Office Supply stores.
This premier card helps take the sting out of its $ 195
annual fee by offering up to $ 175 worth of travel credits and a generous point bonus on airfare and spending
at U.S. gas stations, restaurants and supermarkets; but its restrictive rules on how you can redeem your
rewards points and travel credits drag down its overall value.
Popular
rewards credit cards often have sign - up bonuses that are worth
at least 4 to 5 times their
annual fees.