If you are a frequent credit card user, then you must always be looking for the best option with the maximum perks. It’s human nature that people always tend to find the products with minimum or no annual fee because no one would like to pay the monthly or annual fee for whatever facility they have availed.
Today, we are here to throw some light on the top 5 options without the annual fee, but having lots of perks to enjoy. So, here are out today’s top 5 picks that you must need to take a look at
This card provides an opportunity to the cardholder to get benefit from a 5 cent discount on every single gallon of the CITGO gas, using this zero annual fee card. Here, one should also know that this is only accepted at the CITGO. This cardholder will also be able to enjoy the fuel statement credits on every gallon purchased. There are around 5,500 CITGO locations where this cardholder can get such benefits. This no annual credit card also provides the ATMs and there are the special offers and events for the cardholder. The cardholders also have the option to add authorized users without any cost. There is zero fraud liability and the cardholder will also be providing the online account management features for additional perks.
This cardholder can only use this card at the Target that can let the cardholder enjoy a 5% discount on every single Target purchase. This card also provides the benefit of free shipping on most of the orders that he makes at the Target.com. The cardholder will also have a 30 extra days for the returns that is also a great option provided by the Target. This card has a very easy activation and card management system that allows the cardholder to get the maximum perks offered by this card in the most convenient manner. So, if you are the one looking for the right credit card option, then this card can be the right choice that can fulfill many of your desires.
This card provides the cardholder a 3% cash back on the gas purchases, 2% cash back, when the cardholder make purchases at the wholesale clubs and grocery stores, and also 1% cash back, when the cardholder uses this card to make purchases anywhere else. This card also has a low interest rate that starts from the 13.24% and goes up to a maximum of 23.24%. For the first twelve billing cycles, the cardholders can also enjoy a 0% interest rate on every single purchase. When the cardholder opens his account, then till the next 60 days of the account opening the cardholder will also have a 0% rate on the balances that this cardholder transfer from the other cards.
The TD Ameritrade Client Rewards Visa card can also be another great choice. This is a good option that provides decent 1.5% cash back on cardholder’s every single purchase that he/she makes using this card. This 1.5% cash back rate can go as up as to 1.65% in case if the cardholder manages to deposit that rebate straight into the TD Ameritrade investment account. On all eligible purchases, the cardholder can earn $100 cash back and also 1.5% rewards. When the cardholder redeems the rewards for the cash back into the eligible account of TD Ameritrade, then he would be able to enjoy the 10% bonus as well. This card has a variable annual percentage rate of 13.24%, 18.24%, or the 23.24% that would be based on the creditworthiness of the cardholder. The APR for the balance transfers is also the same and the balance transfer fee would be $10 or 4% of the transfer that would be based on whichever amount is greater.
It lets the cardholder enjoy flat 1.5% cash back on whatever purchase the cardholder makes using this card. Its flat rate makes this card a very decent option rewards card option for people. This card has the average customer rating of 4.6 that states that this is really a nice option that people can grab. This card offers unlimited rewards with no changing categories. There is also a $100 cash bonus that the cardholder can get after he manages to spend $500 using this card within the first three months of the account activation. This $100 bonus is a one-time bonus. The rewards that this cardholder gets will never expire and the cash can be redeemed for whatever amount, whenever the cardholder wants to. As far as the purchase rate is concerned, this card has the 0% introductory APR that would be for the first nine months, and then it would be a variable rate of 13.24% to 23.24%. Hence, this can also be called as another decent option for the credit card seekers.
So, these were our today’s top 5 options that you can consider if you are looking for the one. It is always highly advised to make comparisons between all the available card options before applying for the one. It is also important to read the card rules and terms and conditions thoroughly to make sure that you are not going to choose an option that might not bring the right value or perks to you as per your particular needs or desires.