“Easy choice” cards are abundant for bodies who appetite a no-hassle advantage and no anniversary fees.
WHY IT WINS
With no anniversary fee and an industry-leading cash-back rate, the Citi Double Banknote Agenda sets the accepted for flat-rate cards. You’ll get 2% aback on aggregate you buy; at a adequately archetypal $2,000 in annual spending, that’s $960 over two years. Many battling cards action 1.5% aback additional a sign-up bonus, which the Double Banknote doesn’t have—so during your aboriginal year at that spending level, the best 1.5% agenda would accord you $240 more. But in every afterward year, Citi would put you $120 ahead.
Rewards are structured as 1% banknote aback on purchases, and 1% aback you pay—you don’t get them all at once. So as with all rewards cards, pay promptly.
Rewards: 2% banknote back.Annual fee: $0APR: 0% on purchases for 18 months, again 13.2% to 23.2%.Late fee: $0 for aboriginal absent payment, again up to $35.
Fidelity Rewards Visa SignatureFidelity barter accept one added way to get a collapsed 2%, admitting after the Double Cash’s 18-month 0% APR period. Money you acquire can go beeline into a retirement or 529 account, so you’re not tempted to absorb the cash.
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