Mr. Super Frugalette and I have not used credit cards in over two years. I have not missed them. I always have to remind myself that credit cards are not evil. Everything in moderation. Yet, I know that we should probably revisit credit cards this year and find one that offers the best options. I am pretty confident that we want a no annual fee credit card. However, sometimes cashback rewards credit cards more than cover the annual fee. If you are looking to change credit cards, here are a few options:
No annual fee cards….
I went to the Chase website and found that the Chase Freedom Card offers no annual fee. It also offers $100 cash back when you sign up and up to 10% cash back in specified categories.
Citi Planinum Select Mastercard has a zero annual fee and is designed to attract those who want to transfer a balance. Citi offers a minimum 21 months of zero interest on your transferred balance. Thus the credit card pretty much functions as a no interest loan for almost two years.
If your goal is travel, then Capital One VentureOne Rewards Credit Cards may be your best bet. You get 1.25 miles for every dollar spent. Once you spend $1,000 in the first three months, you receive a bonus of 10,000 miles. As previously mentioned, there is no annual fee.
Cash back rewards…
Capital One – Cash Rewards. You receive a $100 bonus after you spend $500 in the first three months. There is a 1% cash back on all purchases.
The Chase Freedom Visa (the one mentioned above) is also a cash back card. In order to get the $100 cash back, you must make $500 in purchases over a three month period. Cash back rewards never expire.
Blue Cash Everyday from American Express offers a $100 bonus after $1,000 in purchases over a three month purchases. Blue Cash also offers a $25 Referral Bonus for each friend or family member who is approved for the card. Blue Cash also increases the cash back to 3% cash back at grocery stores and 2% cash back at gas stations and department stores.
Citi Dividend Platinum Select Visa Card offers $200 when you purchase $500 within the first three months. There are variable cash back rates in different, alternating categories as well.
So what is in your wallet? What perks do you get from your credit card?
No annual fees..
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