Credit cards without annual fees are a fantastic way to manage your finances without extra costs. Ee cards valla, rewards earn cheyadam, cashback pondadam, leda vere benefits enjoy cheyadam chala easy. Annual fee ledu kabatti, meeru yearly fee pay cheyakunda financial benefits maximum ga enjoy cheyachu. Ivi, extra burden ledu, mereu financial needs ki perfect fit avvachu. Mee spending habits ki suit ayye card kuda choose chesuko vachu. Ivi, cost ni down chesi valuable perks provide chestayi. Ikkada, mee financial needs ki consider chesuko vachu top credit cards with no annual fee gurinchi choosukundam.
1. Chase Freedom Unlimited
Matter: Chase Freedom Unlimited card use chesinappudu, everyday purchases lo 1.5% cashback earn cheyachu. Plus, travel purchases through Chase Ultimate Rewards lo 5% cashback. Annual fee ledu and introductory period lo, balance transfers ki 0% APR for 15 months and purchases ki 0% APR for 15 months.
Pros: Simple cashback earning with 1.5% on every purchase and no limit on the amount. 5% cashback on travel through Chase Ultimate Rewards is a bonus. 0% APR offer helps in managing debt.
Cons: Limited to cashback and travel rewards; other benefits are minimal compared to some other cards.
Percentage: 1.5% cashback on every purchase, 5% on travel through Chase Ultimate Rewards.
2. Citi Double Cash Card
Matter: Citi Double Cash Card valla, 2% cashback earn cheyachu – 1% on purchases and 1% on payments. Annual fee ledu and cashback unlimited ga earn cheyachu. Introductory period lo, balance transfers ki 0% APR for 18 months.
Pros: 2% total cashback on all purchases is very attractive. No annual fee and easy cashback redemption. 0% APR for balance transfers helps in managing existing debt.
Cons: No sign-up bonus or additional rewards categories. Cashback redemption can be less flexible compared to some other cards.
Percentage: 2% cashback (1% on purchases, 1% on payments).
3. Capital One QuicksilverOne Cash Rewards Credit Card
Matter: Capital One QuicksilverOne Rewards Card valla, every purchase lo 1.5% cashback earn cheyachu. Annual fee ledu and introductory period lo, balance transfers ki 0% APR for 15 months.
Pros: Straightforward 1.5% cashback on every purchase, making it simple to earn rewards. No annual fee and 0% APR for balance transfers helps in managing finances.
Cons: Cashback rate is lower compared to some other cards. Card may come with a higher interest rate after the introductory period ends.
Percentage: 1.5% cashback on every purchase.
4. Discover it Cash Back
Matter: Discover it Cash Back card valla, everyday purchases lo 5% cashback earn cheyachu on quarterly rotating categories like groceries, restaurants, and more (activation required). Normal purchases ki 1% cashback. Annual fee ledu, and introductory period lo, Discover will match all the cashback earned at the end of the first year.
Pros: No annual fee and rotating categories lo 5% cashback chala attractive. First year lo cashback match offer chala benefit. 0% introductory APR on purchases and balance transfers for the first 15 months, which is good for managing debt.
Cons: Quarterly activation required for 5% cashback categories and it’s not always easy to keep track of rotating categories.
Percentage: 5% cashback on rotating categories, 1% on other purchases.
5. American Express Blue Cash Everyday
Matter: American Express Blue Cash Everyday card use chesinappudu, supermarkets lo 3% cashback, gas stations lo 2% cashback, and online purchases lo 1% cashback earn cheyachu. Annual fee ledu, and introductory period lo, 0% APR on purchases for the first 15 months.
Pros: High cashback rates on specific categories like supermarkets and gas stations. No annual fee and introductory APR offer helps in managing larger purchases. Easy cashback redemption options.
Cons: Cashback rates limited to specific categories, and international transactions might incur foreign transaction fees.
Percentage: 3% cashback at supermarkets, 2% at gas stations, and 1% on other purchases.
6. Wells Fargo Active Cash Card
Matter: Wells Fargo Active Cash Card valla, every purchase ki 2% unlimited cashback earn cheyachu. No annual fee and introductory period lo, 0% APR on purchases and balance transfers for the first 15 months.
Pros: Unlimited 2% cashback on all purchases without any categories or limits. No annual fee and excellent introductory APR offer makes it a great choice for managing finances.
Cons: Cashback redemption options might not be as flexible as some other cards.
Percentage: 2% cashback on every purchase.
7. Bank of America® Travel Rewards Credit Card
Matter: Bank of America® Travel Rewards Credit Card valla, travel purchases ki 1.5 points per dollar earn cheyachu. International travel ki 1.5 points per dollar and no foreign transaction fees. Annual fee ledu, and introductory period lo, 0% APR on purchases for 12 months.
Pros: 1.5 points per dollar on all purchases, especially for travel-related expenses. No foreign transaction fees are a plus for international travelers. 0% APR introductory offer helps in managing large purchases.
Cons: No cash back on everyday purchases and no sign-up bonus. Points redemption might not be as flexible or valuable as other rewards programs.
Percentage: 1.5 points per dollar on travel and all purchases.
8. HSBC Cash Rewards Mastercard®
Matter: HSBC Cash Rewards Mastercard® valla, every purchase lo 1.5% cashback earn cheyachu. Annual fee ledu and introductory period lo, 0% APR on purchases and balance transfers for the first 12 months.
Pros: Unlimited 1.5% cashback on all purchases with no annual fee. 0% APR offer for the first year helps manage large purchases or existing debt.
Cons: Cashback rate is relatively standard and may not be as high as other cards with rotating categories. Limited additional rewards or benefits.
Percentage: 1.5% cashback on every purchase.
9. Synchrony Premier World Mastercard®
Matter: Synchrony Premier World Mastercard® valla, every purchase ki 1.5% cashback earn cheyachu. Annual fee ledu and no foreign transaction fees. Introductory period lo, 0% APR on purchases for the first 12 months.
Pros: Simple cashback earning with 1.5% on all purchases. No foreign transaction fees are useful for international spending. 0% APR introductory offer helps in managing large expenses.
Cons: Cashback is straightforward but might not offer additional perks or rewards. Limited to basic cashback without specialized rewards categories.
Percentage: 1.5% cashback on every purchase.
10. Navy Federal Credit Union® Platinum Card
Matter: Navy Federal Credit Union® Platinum Card valla, everyday purchases lo 1.5% cashback earn cheyachu. Annual fee ledu and introductory period lo, 0% APR on balance transfers for the first 12 months.
Pros: Unlimited 1.5% cashback on all purchases with no annual fee. 0% APR for balance transfers helps in managing existing debt. Good choice for those who are eligible for Navy Federal membership.
Cons: Cashback rate is standard and no additional rewards or bonuses. Requires membership in Navy Federal Credit Union.
Percentage: 1.5% cashback on every purchase.