How to avoid annual fees and balance transfer charges with the best credit cards

You should consider additional perks such as cash back, points and miles, in addition to the welcome bonus that comes along with your new card. These incentives can encourage spending but also lead to additional debt. You can avoid some fees with strategic use of your credit card, even the most expensive credit cards. You may be able to skip annual fees or balance transfer charges in some cases. Learn how to avoid these fees.
Capital One SavorOne Cash Rewards Card earns unlimited 3% cashback

Capital One SavorOne cash rewards card gives you unlimited 3% cashback on entertainment and dining purchases Redeem your points to get 8% cashback at Capital One Entertainment or on streaming services. The card does not have an annual fee so you get unlimited 3% cashback on the things that you love. Capital One SavorOne can help you find the perfect restaurant to enjoy your dining experience.

You must have good credit to be eligible for this credit card. Capital One defines “good credit” as a score of 670 on the VantageScore program. Capital One SavorOne cash rewards credit card is available to those with lower scores. Cash back can be used for any reward, including gift cards or travel.
The Discover It Student Cash Back Card earns you unlimited 1.5% cashback

The Discover it Student Cashback card is a great choice if you want unlimited cashback on student spending. The card can be customized to meet your specific needs and still earn rewards. It does not require that you spend a lot to get the bonus. You can still use the card for many purchases and receive unlimited 1.5% cashback.

Discover it Student Cash back card earns unlimited cash back on all purchases. It also matches your first year’s cashback for free. This card is free of any annual fees and you can use it as many times as you wish. You also get unlimited cashback on all purchases. Cardholders receive a welcome bonus and generous rewards program. If you use the card on a regular basis, you will get a percentage cash back on your purchases.
Citi Simplicity Card earns Unlimited 1.5% Cash Back

Consider a Citi Simplicity Card if you have high-interest debt. After your first balance transfer, the card offers 0% APR for 21 consecutive months. This gives you almost a year and half to repay your debt. The card offers a number of attractive features, including unlimited 1.5% cashback. The card allows you to transfer up to $5,000 of debt without paying an annual fee.

You can also pay large purchases in installments with the card, which offers 0% interest for 15 month. There are no annual or late fees and you don’t need to pay any fees. It does however charge a 3% foreign transaction fees so it is worth keeping that in mind. The Citi Simplicity card is a good option if you’ve paid off your debt.