June 19, 2018

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Credit Card Fees

The No Annual Fee Credit Card Advantage

When a No Annual Fee Credit Card Doesn't Save You Money


Top Consumer Reviews Articles provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

The No Annual Fee Credit Card Advantage

If you're currently shopping around for credit cards you may be considering which one is the right one for you. With so many credit card offers to choose from it can be confusing and frustrating. Should you go with the low interest rate card, a cash reward or one that provides movie certificates and airline tickets?

The first place to start, when choosing a new credit card, is look at your spending history. If you are a conservative credit card spender and mainly use it for large purchases, occasional travel or a potential emergency you can be classified as a conservative credit card user. These are consumers that won't benefit from credit card rewards or other perks geared for those frequent credit card users if a steep annual fee goes along with the credit card. When a low interest rate and travel points don't entice you, a no annual fee credit card might be a good choice.

It's also important to factor in your finances and if you'll maintain a credit card balance should you charge that annual trip to the beach, make a large purchase or have any emergencies arise. Weighing the cost of utilizing a no annual fee card with a higher interest rate against a card with a lower interest rate but a $50 annual fee is smart financial planning. We all like to say we won't use our credit cards but if your budget is currently pretty tight you might be pulling out that Visa more often than you like to admit. If paying only the monthly minimum card each month is your short term future than honestly the interest rate should be the larger driver.

Once you identify your realistic spending trends and how much you'll be able to pay off each month you are in the right place to choose the credit card for you. But with any card you choose, look very closely at the annual fees, any application fees and late fees associated with payments that come after the due date. For interest rates look closely at the current interest rate and if that is introductory or fixed. Also read closely on what will trigger an interest rate increase. If you've decided that a reward card is a good fit, then consider how those reward points are earned and at what rate. Will that rate change in the future and do rewards expire over time.

Overall, no annual fee credit cards have an advantage over those with hefty charges but only when your spending is conservative and you are not interested in cash back or other rewards for frequent spending.

7 Top Credit Cards for Amazon Cash Back

There's no annual fee. If you shop at Amazon a lot, you'd do well to see if a credit card that pays you cash back for those purchases makes sense for you. Be sure to read the fine print and terms for any card of interest, as there may be details making ...

Published:  Mon, 18 Jun 2018 07:33:00 GMT

If You Shop at Target, This Is the Best Credit Card for You. Here's Why.

Does that store credit card offer no annual fees Does that store credit card allow you to earn rewards And are those rewards earned at a more accelerated rate than if you were using a regular credit card at that store If the answer to all four questions ...

Published:  Fri, 15 Jun 2018 15:38:00 GMT

The best cash back credit card if you don't have a great credit score

The drawbacks to the QuicksilverOne are its $39 annual fee and its lack of sign-up bonus ... Don't miss: We looked at the 25 most popular cash back credit cards-here's our pick for No. 1

Published:  Fri, 15 Jun 2018 10:24:00 GMT

American Express® Launches New, No Annual Fee Cash Magnet™ Card, Offering Unlimited 1.5% Cash Back

NEW YORK--(BUSINESS WIRE)--American Express (NYSE:AXP) today announced the newest addition to its cash back portfolio - the no annual fee American Express Cash ... responsibility information: charge and credit cards, business credit cards, travel ...

Published:  Thu, 14 Jun 2018 05:22:00 GMT

The Best Cash-Back Credit Cards in March

Better still, there's no annual fee. TheCiti Double Cash Card also offers access to your FICO credit score, which can be helpful if you're working on beefing up your score or if you're keeping an eye on it before, say, taking out a mortgage. (Read our ...

Published:  Mon, 18 Jun 2018 07:20:00 GMT

Chase just announced a new business card with no annual fee, and it's a no-brainer for small business owners and freelancers

In the credit cards rewards war, Chase has made some major moves over ... That's because, in addition to earning rewards quickly, it has no annual fee. The Ink Business Unlimited card is a solid option with a strong and simple rewards scheme, offering ...

Published:  Tue, 29 May 2018 00:13:00 GMT

3 of the Best Cash-Back Credit Card Perks

Credit card companies will effectively pay new cardholders just ... For a no-frills cash-back card with no annual fee and easy sign-up bonus criteria, look no further than JPMorgan Chase's Chase Freedom Unlimited. Cardholders enjoy a $150 cash sign-up ...

Published:  Mon, 18 Jun 2018 12:47:00 GMT

These Are the Best Credit Cards Now for Every Type of Traveler

Best Travel Credit Card With No Annual Fee Many of the best travel credit cards expect you to pay an annual fee-sometimes a steep one-to get their perks. But if you're an infrequent traveler, you're better off getting a travel credit card with no ...

Published:  Thu, 15 Mar 2018 05:00:00 GMT

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