Didn’t you know zero-fee credit cards existed? We are used to requesting a loan is usually somewhat problematic due to the interest issue. Sometimes this stops us from asking for our credit card, but believe it or not. There is a solution to it.
Thanks to zero fees, you can enjoy your credit cards like never before. These will allow you to access the financing you always needed without paying additional expenses. Would you like to know the best options available to you? Today we will show you what they are.
Wells Fargo Active, one of the best zero-fee credit cards
One of the most renowned banks, Wells Fargo, offers one of the best zero-fee credit cards. To access this credit, it is necessary to have a credit score between good and excellent. It will allow you to access some benefits such as:
- $200 bonus after reaching the limit of $1,000 in purchases. It is only applicable during the first three months after you have obtained your card.
- The 0% APR will be effective for 15 months after your application.
- You also access rewards calculated at 2% based on the amount spent on purchases.
- Insurance for theft and loss of your cell phone is offered. It can cover up to $600 of the loss.
It is also interesting that you can access many benefits in luxurious hotels worldwide. It is through the Visa Signature Concierge program. Without a doubt, Wells Fargo Active allows you to get more benefits than just a zero rate.
Citi Diamond
We continue with a zero-fee credit card backed by MasterCard. Citi Diamond stands out because you can make transfers without commissions for 21 months. As for purchases, the 0% APR covers the first 12 months.
- When you spend $500 on purchases, you access a $150 reward on your line of credit. This promotion is only valid for three months after opening your account.
- Balance transfers are calculated based on $5 or 5% of the transaction.
- You can view your credit index online whenever you want.
- Through the Citi Entertainment program, you can buy tickets for events of all kinds with priority.
Of course, you should try to have a credit record that borders on the excellent. After all, this is the only method to ensure access to the Citi Diamond card.
Capital One QuickSilver
The name is not the only attractive thing about this card issued by Capital One. Due to its refund policy, it is one of the most interesting zero-rate credit cards. 1.5% cashback on your daily purchases with no limit.
- In combination with Capital One Travel, it allows you to access 5% rebates. These apply to rental cars, hotels, and more.
- Get the $200 welcome bonus for spending $500 in the first three months.
- The annual fee is 0%, and you will not be charged commissions for operations abroad.
- You can access unlimited cash rewards for as long as the account is active.
Capital One QuickSilver allows you to enjoy 0% rates and benefits for travelers. Something very advantageous to save during your vacations or business trips.
Bank Of America Credit Card
¿Who does not know the famous cards backed by Visa and Bank Of America? They are the ones that offer the most benefits, and this makes many people prefer them. If we had to highlight a few, they would be the following:
- $200 bonus for spending $1,000 within 90 days of account opening.
- 3% cash back in a fully eligible category.
- 2% cash back capped at $2,500 quarterly on grocery purchases.
- 1% cash back on purchases that do not fall into the above categories.
- Possibility of accessing Preferred Rewards with rebates of between 25% and 75% additional. Select purchases can give you up to 5.25% cashback.
- 0% APR that applies for a total of 18 billing cycles.
We couldn’t doubt Bank of America and its zero-fee credit cards. If you have the possibility of obtaining it, you should not think twice. It will get you out of a lot of trouble and possibly save a lot on your purchases.
Chase Liberty Flex
Finally, one of the credit solutions offered by JPMorgan Chase finishes our list. Liberty Flex stands out because it has an APR of 0% with a duration of 15 months. In addition, among its benefits, we find the following:
- Earn up to $200 for spending $500 within 90 days of getting your card.
- 5% cash back on purchases with a limit of $1,500. The categories in which this reimbursement is applicable vary quarterly.
- The Chase Ultimate Rewards program gives you 5% back on hotel and car rentals. Ideal for travelers, although you can also get gift cards and other prizes.
- 3% reimbursement in pharmacies and dinners, including home delivery.
- Chase Credit Journey, essential for monitoring and controlling your credit status.
Among the zero-rate credit cards, Liberty Flex stands out for its refunds. It grants them both on purchases and travel, helping you maintain your financial health. It makes it an excellent option when applying for a loan.
There are many options for zero-fee credit cards
As you may have noticed, zero-fee credit cards are highly advantageous. They will allow you to save commissions or interest and have exciting access to rewards. These can be specific to a category of purchases, or you can alternate them from time to time.
What do you think is the best option for you? Do you know any other option in terms of credit cards without fee payment? Banks in the United States are increasingly launching better options on the market. You will always find a credit card that suits your needs.
