✓ No foreign transaction fees
✓ Flexible travel benefits
✓ Big sign-up bonuses
30,000 bonus points & Walmart+
30,000 bonus points & Walmart+
No impact to credit bureau score if declined
No impact to credit bureau score if declined
Earn 20,000 bonus points
Earn 20,000 bonus points
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Best no annual fee credit card of 2024
If you're considering getting a credit card, having one is essential, but choosing a good one that aligns with your spending habits and rewards you for using it is also crucial. Credit cards can offer a range of benefits, including convenience, the ability to build credit, and rewards for every dollar you spend. However, not all credit cards are created equal, and some can come with high fees or interest rates that can lead to debt if not managed properly.
To make the most of your credit card, look for one that offers rewards or benefits that you'll actually use. For example, if you travel frequently, consider a credit card that offers points or miles for every dollar you spend, which can be redeemed for flights or hotel stays.
Alternatively, if you prefer cash back, look for a credit card that offers a high percentage of cash back on the purchases you make most often.
Choosing a credit card that doesn't charge unnecessary fees, such as annual or high interest rates, is also crucial. By researching and comparing credit cards, you can find one that aligns with your needs and budget. With the right credit card, you can enjoy the benefits of convenience, rewards, and good credit while avoiding unnecessary fees and debt.
The Citi Premier® Card is a rewards credit card that offers 3X points per dollar spent on air travel, hotels, restaurants, and supermarkets. Despite its $95 annual fee, the benefits and rewards can offset the cost, including the no foreign transaction fees and the welcome bonus worth several hundred dollars in travel rewards. Additionally, the card offers several other perks, such as trip cancellation and interruption protection and access to exclusive experiences and events.
The Chase Freedom Unlimited® credit card lets you earn cash back rewards on all purchases, with unlimited 1.5% cash back and higher rates on specific categories like dining, drugstore purchases, and travel through Chase Ultimate Rewards. You'll also get a long intro APR period, no annual fee, and rewards that never expire as long as your account is open.
The Citi Custom Cash℠ Card is a no-fee credit card that allows cardholders to earn cash back rewards on their spending. The card offers a unique rewards structure that automatically adjusts to your spending habits, with 5% cash back on your top eligible spending category each billing cycle.
SmartWealthTrends is dedicated to bringing you the latest in finance. With in-depth reviews, comprehensive comparisons, and easy-to-follow guides, you'll be prepared for whatever is thrown at you!
SmartWealthTrends is dedicated to bringing you the latest in finance. With in-depth reviews, comprehensive comparisons, and easy-to-follow guides, you'll be prepared for whatever is thrown at you!