In addition to the introductory bonus that comes with a new card, you should also consider other perks, such as cash back, points, and miles. These incentives often encourage spending, but they can also cause you to incur additional debt. Even the best credit cards have a few fees that can be avoided through strategic use of your card. In some cases, you can skip annual fees and balance transfer charges altogether. Read on to learn how to avoid these fees.
Capital One SavorOne Cash Rewards card earns unlimited 3% cash back
The Capital One SavorOne Cash Rewards card offers you unlimited 3% cash back on dining and entertainment purchases. You can also redeem your points for 8% cash back at Capital One Entertainment and on popular streaming services. This card has no annual fee, so you can enjoy unlimited 3% cash back on the things you love most. The Capital One SavorOne card can help you find the best restaurant for your dining experience.
To qualify for this credit card, you must have a good credit score. Capital One defines good credit as a score of 670 or higher on the VantageScore system. If you have a lower score, you can still apply for the Capital One SavorOne Cash Rewards credit card. The cash back is unlimited and can be redeemed for a variety of rewards, such as gift cards and travel.
Discover it Student Cash Back card earns unlimited 1.5% cash back
If you want to earn unlimited cash back on your student spending, the Discover it Student Cash Back card is a great option. This card is designed to be flexible enough to fit your needs while still earning rewards. Unlike many student credit cards, it does not require you to spend a large amount of money to receive the bonus, so you can use it for a variety of purchases and still get unlimited 1.5% cash back on your purchases.
The Discover it Student Cash Back card earns unlimited 1% cash back on all purchases and also matches the first year’s cash back for free. With no annual fee, you can use this card as often as you like and get unlimited cash back on your purchases. The card offers a one-time welcome bonus for new cardholders and a generous rewards program. It offers a percentage of cash back on purchases that can quickly add up if you make purchases on it on a regular basis.
Citi Simplicity card earns unlimited 1.5% cash back
If you have high-interest debt, consider getting a Citi Simplicity card. The card has 0% APR for 21 months after your first balance transfer, which gives you nearly a year and a half to pay off your debt. In addition to earning unlimited 1.5% cash back, the card also has a few other attractive features. You can transfer up to $5,000 in debt to the card with no annual fee.
The card also comes with 0% interest for 15 months on purchases, so you can pay for big ticket items in installments. You also don’t have to pay late fees or annual fees. However, it does charge a 3% foreign transaction fee, so you may want to keep that in mind. However, once you have paid off your debt, there isn’t much to recommend in terms of the Citi Simplicity card.