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Synchrony Preferred World Mastercard®
Synchrony Preferred World Mastercard®
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% Cash Advance APR
At a Glance
The Synchrony Preferred World Mastercard® offers basic rewards and a simple redemption process, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1% cash back rewards on every purchase
- Contactless payment compatibility
- Regular Purchase APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: $39
- You have good credit
- You prefer cash back rewards as a statement credit
- You don’t want to pay an annual fee
Synchrony Plus World Mastercard®
Synchrony Plus World Mastercard®
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.74% to 23.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% Cash Advance APR
At a Glance
The Synchrony Plus World Mastercard® offers unli8mited 1% cash back on all purchases plus a simple redemption process, and more with a $0 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1% cash back rewards on every purchase
- Contactless payment compatibility
- Regular Purchase APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: $39
- You have good or excellent credit
- You prefer basic cash back rewards as a statement credit instead of other rewards
- You don’t want to pay an annual fee
Universal Rewards Visa Signature®
Universal Rewards Visa Signature®
- 21.99% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.99% to 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Universal Rewards Visa Signature® Card is a no frill rewards card that earns 2% back on eligible Universal purchases, 1% back on all other purchases, and more - for a $0 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2% back in rewards on qualifying Universal purchases
- 1% back on all other purchases
- 10% ff select merchandise, food and beverage purchases
- No annual fee
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 21.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You love theme parks but prefer Universal Studios
- You don't want to pay an annual fee
- You want basic cash back rewards on everyday purchases
Chase Freedom Rise
Chase Freedom Rise
- 26.24% variable based on the Prime Rate Regular Purchase APR
- 26.24% variable based on the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Chase Freedom Rise Visa is a credit builder card that can help you earn cash back rewards and double your credit line fast. The card works best with an eligible Chase checking account, as having one can greatly improve your approval odds.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5% in cash back for all of your purchases
- Earn a $25 bonus for enrolling in in the first three months
- $0 annual fee
- Increase your credit line with 6 on-time payments
- Regular Purchase APR: 26.24% variable based on the Prime Rate
- Balance Transfer APR: 26.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You have a Chase checking account with a $250 balance
- You want to earn unlimited 1.5% cash back on all purchases
- You are new to credit cards
- You don't want to pay an annual fee
Target RedCard™ Mastercard
Target RedCard™ Mastercard
- 28.15% variable based on the Prime Rate Regular Purchase APR
- 31.15% variable based on the Prime Rate Cash Advance APR
At a Glance
The Target RedCard™ is a family of credit, debit, and prepaid cards from Target and TD Bank, with the most interesting option the no annual fee Target RedCard™ Mastercard. The card offers 5% off on Target purchases, plus 2% cash back on gas and dining, and 1% back on everything else.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 5% savings at Target and Target.com
- 2% cash back on dining and gas station purchases
- 1% back on all other purchases
- Additional 30-day return policy on select items
- 2-day delivery
- No annual fee
- Regular Purchase APR: 28.15% variable based on the Prime Rate
- Cash Advance APR: 31.15% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $30
- You primarily shop at Target for your groceries or household items
- You want basic rewards for gas and dining purchases
- You have a good or excellent credit score
- You want a card with no annual fee
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What Does “No Annual Fee” Mean?
“No annual fee” is a term frequently associated with credit card offers. Many leading banks, such as Chase, Citi, and Bank of America, offer credit cards that do not charge an annual fee or membership fee.
No annual fee credit cards provide significant value. While premium credit cards, which do charge an annual fee, often offer the most lucrative rewards and additional perks, many no annual fee rewards cards offer comparable rewards at a much lower price point. You can still enjoy the same long-term value from a credit card without an annual fee, including rewards and perks.
Why Choose a Credit Card with No Annual Fee?
Credit cards with no annual fees are perfect for beginners who are new to credit and want to avoid the complexity of reward programs. While these cards may not offer premium perks such as lounge access, TSA precheck, or elite status in loyalty programs, their simplicity makes them ideal for individuals not interested in reward strategies but still wanting to earn rewards with every purchase.
Some no annual fee cards also provide 0% introductory APR offers on purchases, balance transfers, or both. These introductory periods can help pay off existing balances, especially if you have cards with annual fees or higher interest rates. Additionally, balance transfer cards can be a cost-effective alternative to personal loans and may offer additional bonuses like cash back or points.
Benefits of No Annual Fee Credit Cards
No annual fee credit cards have become increasingly popular in recent years, and for good reason. One of the main benefits is evident in the name itself – there are no annual fees associated with these cards. This means you won’t have to worry about paying a hefty fee just for owning a credit card. With the money you save on annual fees, you can put it towards other important expenses or even save for a rainy day.
Another advantage of no annual fee credit cards is that they often come with attractive introductory offers. These can range from a lower interest rate (or even 0% intro APR) for a certain period, to bonus rewards points, or even additional cash back on select purchases. By taking advantage of these offers, you can maximize the value of your credit card and make your money work for you.
Types of No Annual Fee Cards
No annual fee credit cards come in various types, each designed to cater to different needs and preferences. The most common types include:
- Cash back cards: These cards offer a percentage of your spending back as cashback, which can be a great way to save money on everyday expenses.
- Travel rewards cards: With travel cards, you earn points or miles for every dollar you spend, which can be redeemed for travel, merchandise, or other rewards.
- Balance transfer cards: Balance transfer cards frequently feature $0 annual fee cards. These cards allow you to transfer high-interest debt from other credit cards onto the new card, often with a low or 0% interest rate for a specified period.
- Student cards: Designed specifically for students, these cards offer benefits such as cashback on educational expenses or building credit history.
How to Find the Right No Annual Fee Credit Card for You
With so many options available, it’s important to consider certain factors when choosing a no annual fee credit card. Here are some key things to keep in mind:
What are Your Spending Habits?
When choosing a new rewards credit card, it’s important to consider where you plan to use it. Rewards cards come in different types and offer varying amounts of rewards. Some cards provide enhanced rewards on specific categories or unlimited rewards at a lower rate. There are also airline and hotel credit cards that reward you for current and future travel, among others.
Are You Paying Down Debt?
Experienced credit cardholders can benefit from the lengthy 0% intro APR periods offered by many excellent no-annual-fee credit cards. Numerous cards have zero-interest periods of 12 months or more, including offers from Discover, Citi, Chase, and US Bank.
Balance transfer and low APR credit cards are great options for financing large purchases and paying down balances over time. When considering these cards, carefully evaluate the introductory APR period, the regular APR once the promotional period ends, and any additional fees.
Tips for Maximizing Value with No Annual Fee Cards
To make the most of your card, consider the following tips:
- Pay your balance in full: To avoid paying interest charges, paying your balance in full each month is best.
- Use your card responsibly: Stick to a budget and only use your card for purchases you can afford to pay off.
- Take advantage of rewards: If your card offers rewards or cashback, redeem them regularly to maximize their value.
- Monitor your statements: Regularly review your credit card statements to check for any unauthorized charges or errors.
Conclusion
No annual fee credit cards offer a range of benefits without the burden of an annual fee. Whether you’re looking to save money on fees, earn rewards, or consolidate debt, these cards can be a valuable addition to your financial toolkit. By understanding how these cards work, considering the factors that matter to you, and choosing the right card for your needs, you can unlock the perks and make the most of your credit card experience.
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