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1st financial bank annual fee


1st financial bank annual fee

All state-chartered banks have been paying their semi-annual fee assessment by electronic transfer initiated by the Division 1st Financial Bank USA. One is a financial technology company, not a bank. Opening an account does not impact your credit score. Best Checking Account. So I've had a credit card from 1st Financial Bank that I got around /6. They will waive the annual fee, every year, if you call and ask.

: 1st financial bank annual fee

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1st financial bank annual fee
ALLIED SAVINGS BANK CONTACT NUMBER
1st financial bank annual fee
1st financial bank annual fee
1st financial bank annual fee

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SAVING 500K-NEVER PAY FOR CREDIT CARD ANNUAL FEES and HOW TO WAIVE CREDIT CARD ANNUAL FEES-#JAXHACKS
1st financial bank annual fee

Rates & Fees

Dormant Account Fee (charged quarterly)*$ Account Close-Out Fee (if account is closed within 90 days of opening)$ Negative Balance Fee$/day Nonsufficient Funds (NSF) - Each paid or returned $5 or less **$Nonsufficient Funds (NSF) - Each paid or returned over $5 **$ Overdraft Fee - Each overdraft paid $5 or less **$Overdraft Fee - Each overdraft paid over $5 **$ Uncollected Funds Fee$ Account Activity Print Out$/page Account Research$/hour Account Balancing Research$/hour Return Item Fee$ Redeposit of Returned Item$ Stop Payments
Single Item
Range of Items
$
Wire Transfers
Incoming
Outgoing
$
$ International WireCost + $Copy of Check$ Faxed Item$ for 1st page, $ for each additional page Internet Banking Bill Payment ServiceFREEPopMoney ®fee depends on type of service utilizedReplace Loan Coupon Book$ Replacement / Reinstatement of ATM or Check Card$ PIN Replacement Request$ Telephone Transfer$ VRU Service Charge$/call Counter Checks (up to 5)$ On-Us Check Cashing for Non-Account Holders$/check  Legal Fee$

Safe Deposit Box (available at most locations)

3x5
3x10
5x10
7x10
10x10

 

 

$ annually
$ annually
$ annually
$ annually
$ annually

$ Overdue/Delinquent Fee$75 One Lost Key / Replace Lock$ Drill Box
Источник: mynewextsetup.us

HSBC Cards with Apple Pay®

View the HSBC Premier World Mastercard® credit card Cardmember Agreement

View the HSBC Elite World Elite Mastercard credit card Cardmember Agreement

 

Already a HSBC credit card customer?  Visit our Credit Card Resource Center for questions on our Mobile App, Rewards, Offers, Terms & Conditions and more,  

see mynewextsetup.us

 

The 35, Rewards Program Bonus Points (“Bonus Points”) offer applies offer applies when you open a new HSBC Premier World Mastercard® credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Premier World Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

2 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard® or HSBC Bank USA, N.A. Please refer to the HSBC Premier World Mastercard® credit card Rewards & Benefits brochure and the Mastercard Guide to Benefits or  brochure for full details.

3 The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call  (HSBC). A variable Purchase APR applies to credit card purchases and will be % to %, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and will be % to %, depending on your credit worthiness, for the HSBC Premier World Mastercard® credit card. The variable Cash APR applies to cash advances and overdrafts and is %. Your APRs may increase to the variable Penalty APR of % if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month ("Prime Rate"). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $ A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction fee of $10 or 5%, whichever is greater, will apply on the overdraft amount. A $0 Annual Fee will apply for HSBC Premier World Mastercard® credit card account clients who have a qualifying U.S. HSBC Premier checking account relationship; otherwise a $95 Annual Fee will apply. The Annual Fee will not be assessed to your credit card Account within the first year of Account opening. There is no Foreign Transaction Fee. See Summary of Terms for details.

4 The 50, Rewards Program Bonus Points (“Bonus Points”) offer applies when you open a new HSBC Elite World 1st financial bank annual fee Mastercard credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The 50, Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Elite World Elite Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow weeks after the Promotional Period has ended for the Bonus Points to post to your Account.

5 Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard® or HSBC Bank USA, N.A. Please refer to the Elite World Elite Mastercard® credit card Rewards & Benefits brochure and the Mastercard Guide to Benefits or  brochure for full details.

The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call  (HSBC). A variable Purchase APR applies to credit card purchases and will be % to %, depending on your credit worthiness. A variable Balance Transfer APR applies to walmart eye center mexico mo transfers and will be % to %, depending on your credit worthiness, for the HSBC Elite World Elite Mastercard credit card. The variable Cash APR applies to cash advances and overdrafts and is %. Your APRs may increase to the variable Penalty APR of % if you fail to make a minimum payment to us when due. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $ A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. An Overdraft Transaction fee of $10 or 5%, whichever is greater, will apply on the overdraft amount. There is no Foreign Transaction Fee. The Annual Fee for the HSBC Elite World Elite Mastercard credit card is $ plus $65 for each authorized user; the Annual Fee is waived ($0) for customers with a qualifying U.S. HSBC Jade or Private Bank relationship. See Summary of Terms for details.

HSBC Premier World Mastercard® requires a U.S. HSBC Premier relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit mynewextsetup.us or speak with your Relationship Manager.

8 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

How you earn Rewards Points: You earn Reward Points when you use your card to make purchases. 

Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Mastercard and Tap & Go are registered trademarks of Mastercard International Incorporated.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Google Pay is a trademark of Google LLC

Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Samsung, Samsung Pay, and Galaxy are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.

Источник: mynewextsetup.us

Board of Governors of the Federal Reserve System

Current Release PDFData Download

Release Date*: November 5,

September

Consumer credit increased at a seasonally adjusted annual rate of percent during the third quarter. Revolving credit increased at an annual rate of percent, while nonrevolving credit increased at an annual rate of percent. In September, consumer credit increased at an annual rate of percent.

 
Consumer Credit Outstanding 1
Seasonally adjusted. Billions of dollars except as noted.
 
Q3Q4Q1Q2rQ3pJulrAugrSepp
Total percent change (annual rate)2
Revolving
Nonrevolving 3
Total flow (annual rate)2,4
Revolving
Nonrevolving 3
Total outstanding 3, 3, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4,
Revolving 1, 1, 1, 1, 1, 1,
Nonrevolving 3 2, 2, 2, 3, 3, 3, 3, 3, 3, 3, 3, 3, 3,
 
Terms of Credit

Not seasonally adjusted. Percent except as noted.

Commercial bank interest rates 5
New car loans
month n.a. n.a.
month n.a. n.a.
Credit card plans
All accounts n.a. n.a.
Accounts assessed interest n.a. n.a.
Personal loans
month n.a. n.a.
 
Finance companies (new car loans)6
Interest rates n.a. n.a. n.a. n.a.
Maturity (months) 66 67 66 67 69 68 68 67 67 n.a. n.a. n.a. n.a.
Amount financed (dollars) 28, 29, 30, 31, 34, 34, 33, 34, 33, n.a. n.a. n.a. n.a.
 
Consumer Credit Outstanding (Levels) 1
Not seasonally adjusted. Billions of dollars.
 
Q3Q4Q1Q2rQ3pJulrAugrSepp
Total 3, 3, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4,
 
Major holders
Depository institutions 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1st financial bank annual fee, 1,
Finance companies
Credit unions 1st financial bank annual fee
Federal government 7 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
Nonprofit and educational institutions 8
Nonfinancial business
 
Major types of credit, by holder
Revolving 1, 1, 1,
Depository institutions
Finance companies
Credit unions
Federal government 7
Nonprofit and educational institutions 8
Nonfinancial business
Nonrevolving 2, 2, 2, 3, 3, 3, 3, 3, 3, 3, 3, 3, 3,
Depository institutions
Finance companies
Credit unions
Federal government 7 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
Nonprofit and educational institutions 8
Nonfinancial business
 
Memo
Student Loans 9 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, n.a. n.a. 1,
Motor Vehicle Loans 10 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, n.a. n.a. 1,
Consumer Credit Outstanding (Flows) 1
Not seasonally adjusted. Billions of dollars, annual rate.
 
 Q3Q4Q1Q2rQ3pJulrAugrSepp
Total
 
Major holders
Depository institutions
Finance companies
Credit unions
Federal government 7
Nonprofit and educational institutions 8
Nonfinancial business
 
Major types of credit, by holder
Revolving
Depository institutions
Finance companies
Credit unions
Federal government 7
Nonprofit and educational institutions 8
Nonfinancial business
Nonrevolving
Depository institutions how old is jose aldo
Finance companies
Credit unions
Federal government 7
Nonprofit and educational institutions 8
Nonfinancial business
 
Memo
Student Loans 9 n.a. n.a.
Motor Vehicle Loans 10 n.a. n.a.
Back to Top

Last Update: November 05,

Источник: mynewextsetup.us

DISCOVER IT® CASH BACK CREDIT CARD

You earn cash back, we match it all your first year

Discover offers this cash rewards credit card and matches all the cash back you’ve earned at the end of your first year.1

No annual fee

* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your 1st financial bank annual fee by then the standard purchase APR applies. Standard purchase APR: % variable to % variable, based on your creditworthiness. Cash APR: % variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $ Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.

Discover it® Cash Back Credit Card

Why Discover it ® Cash Back rewards credit card?

Five Percentage

Earn 5% cash back on everyday purchases at different places each quarter like mynewextsetup.us,8 grocery stores, restaurants, gas stations and when you pay using PayPal,15 up to the quarterly 1st financial bank annual fee when you activate.

One Percentage

Earn 1% cash back on all other purchases – automatically.  

2x cash back

With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.1

Get 5% cash back rewards at select places throughout the year

5% at Grocery Stores and Fitness Club & Gym Memberships

on up to $1, in purchases when you activate. Excludes Walmart and Target purchases.2

5% at Gas Stations and Target

on up to $1, in purchases when you activate.3

5% at Restaurants and PayPal

on up to $1, in purchases when you activate.4

5% at mynewextsetup.us and 1st financial bank annual fee Wallets

on up to $1, in purchases when you activate. 5

99% nationwide acceptance — Discover is accepted by 99% of the places across the country that take credit cards.6

No annual fee

* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: % variable to % variable, based on your creditworthiness. Cash APR: % variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $ Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for 1st financial bank annual fee balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until . Then % to % Standard Variable Purchase 1st financial bank annual fee and up to 5% fee for future balance transfers will apply.

The security you expect from Discover

Activate Social Security Alerts and Discover will send you an alert if your Social Security number is found on any Dark Web sites.

Activate free Social Security Number Alerts

Activate and we’ll send you an alert if your Social Security number is found on any of thousands of Dark Web sites.10

Freeze your account to prevent new purchases, cash advances, and balance transfers.

Turn your account on/off with Freeze it®

If you misplace your card, freeze your account on our mobile app or website to prevent new purchases, cash advances and balance transfers.11

Источник: mynewextsetup.us

Credit Cards


2 Visa Cash Back and Visa Rewards Program: Points/dollars are earned on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus credits, returns and adjustments. Eligible purchase transactions do not include, and points/dollars are not earned for, the following transactions: cash advances, balance transfers, or fees of any kind, including finance charges, late fees, and returned checks fees, if any. PIN-based transactions are not eligible to earn points/dollars. Refer to the Important Visa Credit Card Disclosure for the terms and conditions, fees, charges, and other information regarding your credit card account.

3 Offer valid for cardholders issued new Visa Rewards credit card account. To be eligible for the 5, bonus points, you must make $3, 1st financial bank annual fee more in net purchases within 90 days of account opening. "Net purchases" means the sum of your eligible purchase transactions minus credits, returns and adjustments. Eligible purchase transactions do not include, and points/dollars are not earned for, the following transactions: cash advances, balance transfers, or fees of any kind, including finance charges, late fees, and returned checks fees, if any. PIN-based transactions are not eligible to earn points/dollars. Offer expires December 31,

4 Offer valid for cardholders issued new Visa Signature Cash Back credit card account. To be eligible for the $ bonus dollars, you must make $1, or more in net purchases within 90 days of account opening. "Net purchases" means the sum of your eligible purchase transactions minus credits, returns and adjustments. Eligible purchase transactions do not include, and points/dollars are not earned for, the following transactions: cash advances, balance transfers, or fees of any kind, including finance charges, late fees, and returned checks fees, if any. PIN-based transactions are not eligible to earn points/dollars.

Источник: mynewextsetup.us

Credit Card Annual Fee Explained

Credit card annual fees are a cost that your credit card provider automatically charges to your account to allow you to keep the card account open. They are a common type of credit card fee.

Annual fees are the amount you pay for the benefits that come with your credit card. Not all credit cards have these fees. Generally, the higher the annual fee, the more benefits the credit card provides.

Which Credit Cards Have an Annual Fee?

Not all credit cards have an annual fee. Cards that usually have an annual fee usually provide some extra benefit, such as:

  • Reward cards
  • Premium credit cards
  • Secured credit cards

Because an annual fee increases the cost of having a credit card, any benefit you're getting from your credit card should 1st financial bank annual fee that cost. For example, if your rewards credit card has an annual fee, the rewards you earn should exceed the amount you are paying to keep the card open. Otherwise, you are losing money.

How Your Credit Card Fee Is Charged

The annual fee might be a one-time charge on your credit card during a specific month of the year, such as on the anniversary of the date you opened the card or at the beginning of the calendar year. Some credit providers divide up fees and assess them monthly, but it is common for cards to charge the annual fee once a year.

Annual fees are a separate charge from any interest payments you might incur on your account. They are charged whether or not you carry a balance on your card. Credit card issuers are legally required to disclose all annual fees when you apply to open an account.

Changes to Your Credit Card Annual Fee

If your credit card issuer decides to impose a new annual fee or raise the current one, they're required by federal law to notify you 45 days before the new annual fee becomes effective. You have the option to reject the new annual fee.

If you decide to reject the fee, you will have to close your credit card account. If that happens, you may want to look into opening a no-fee card in order to avoid lowering your credit score.

Should You Get a Credit Card With an Annual Fee?

Paying an annual fee isn't always a bad thing, especially if you use all the rewards that come with your credit card. If the card you want has an annual fee, be honest about whether the benefits of the card will outweigh the cost of the fee. Compare your card to similar credit cards from other card issuers to confirm you're getting a good deal.

Some cards that charge an annual fee may waive it in the first year in order to attract new customers. After the first year, the fee is automatically charged to your account. If you are interested in a rewards card but unsure whether the fee is worth it, look for one with a no-fee first year to 1st financial bank annual fee whether the benefits outweigh the costs.

How to Avoid a Credit Card Annual Fee

If you decide the annual fee isn't worth it after the first year of using the card, you can close the account. Before you do, you should:

  • Assess the impact on your credit score.
  • Redeem any rewards you've accumulated.
  • Check if you can switch to a no-fee credit card with the same issuer.

Switching to another credit card can allow you to avoid an annual fee without damaging your credit score. Downgrading your account may cost you some benefits or prevent you from earning any rewards at all. However, by downgrading, you've avoided the annual fee, which may make more financial sense if you were not using the rewards associated with it.

Some credit cards may waive the annual fee chase customer support team a regular basis if you charge a certain amount on your credit card each year. Contact your credit card issuer to find out if your annual fee can be waived based on your account activity, payment history, or length of time as a customer.

What Is the Best Credit Card With No Annual Fee?

There are plenty of great rewards cards with no annual fee, such as the Bank of America Travel Rewards card, Discover It Miles, and the HSBC Cash Rewards Mastercard.

How Do You Pay an Annual Fee on a Credit Card?

Your credit card issuer will typically charge your annual fee to your billing statement automatically once a year, around the time when you initially opened an account. This will raise your statement balance for that period.

Why Is There an Annual Fee on Some Credit Cards?

Annual fees are a premium you how to deposit check in wells fargo atm for certain card benefits. Your card issuer deems those benefits worth the annual fee, but you'll have to decide that by weighing how you use the card vs. what you have to pay.

Источник: mynewextsetup.us
1st financial bank annual fee

1st financial bank annual fee -

Expanding access through technology.

Petal 1 has everything you need to stay on the financial fast track. Pay on time successfully each month, build credit, and avoid paying any fees. Then rinse, and repeat.

No annual fee

No one should have to pay a fee to get access to a credit card.

No international fee

Take Petal 1 with you wherever you go.

Help avoiding late fees

Turn on AutoPay and never miss a payment.

Источник: mynewextsetup.us

Credit Cards


2 Visa Cash Back and Visa Rewards Program: Points/dollars are earned on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus credits, returns and adjustments. Eligible purchase transactions do not include, and points/dollars are not earned for, the following transactions: cash advances, balance transfers, or fees of any kind, including finance charges, late fees, and returned checks fees, if any. PIN-based transactions are not eligible to earn points/dollars. Refer to the Important Visa Credit Card Disclosure for the terms and conditions, fees, charges, and other information regarding your credit card account.

3 Offer valid for cardholders issued new Visa Rewards credit card account. To be eligible for the 5, bonus points, you must make $3, or more in net purchases within 90 days of account opening. "Net purchases" means the sum of your eligible purchase transactions minus credits, returns and adjustments. Eligible purchase transactions do not include, and points/dollars are not earned for, the following transactions: cash advances, balance transfers, or fees of any kind, including finance charges, late fees, and returned checks fees, if any. PIN-based transactions are not eligible to earn points/dollars. Offer expires December 31,

4 Offer valid for cardholders issued new Visa Signature Cash Back credit card account. To be eligible for the $ bonus dollars, you must make $1, or more in net purchases within 90 days of account opening. "Net purchases" means the sum of your eligible purchase transactions minus credits, returns and adjustments. Eligible purchase transactions do not include, and points/dollars are not earned for, the following transactions: cash advances, balance transfers, or fees of any kind, including finance charges, late fees, and returned checks fees, if any. PIN-based transactions are not eligible to earn points/dollars.

Источник: mynewextsetup.us

Choosing The Right Credit Card is Easier Than Ever

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:
  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/ days per year.
  • Plus much more!

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. 

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Источник: mynewextsetup.us

Board of Governors of the Federal Reserve System

Current Release PDFData Download

Release Date*: November 5,

September

Consumer credit increased at a seasonally adjusted annual rate of percent during the third quarter. Revolving credit increased at an annual rate of percent, while nonrevolving credit increased at an annual rate of percent. In September, consumer credit increased at an annual rate of percent.

 
Consumer Credit Outstanding 1
Seasonally adjusted. Billions of dollars except as noted.
 
Q3Q4Q1Q2rQ3pJulrAugrSepp
Total percent change (annual rate)2
Revolving
Nonrevolving 3
Total flow (annual rate)2,4
Revolving
Nonrevolving 3
Total outstanding 3, 3, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4,
Revolving 1, 1, 1, 1, 1, 1,
Nonrevolving 3 2, 2, 2, 3, 3, 3, 3, 3, 3, 3, 3, 3, 3,
 
Terms of Credit

Not seasonally adjusted. Percent except as noted.

Commercial bank interest rates 5
New car loans
month n.a. n.a.
month n.a. n.a.
Credit card plans
All accounts n.a. n.a.
Accounts assessed interest n.a. n.a.
Personal loans
month n.a. n.a.
 
Finance companies (new car loans)6
Interest rates n.a. n.a. n.a. n.a.
Maturity (months) 66 67 66 67 69 68 68 67 67 n.a. n.a. n.a. n.a.
Amount financed (dollars) 28, 29, 30, 31, 34, 34, 33, 34, 33, n.a. n.a. n.a. n.a.
 
Consumer Credit Outstanding (Levels) 1
Not seasonally adjusted. Billions of dollars.
 
Q3Q4Q1Q2rQ3pJulrAugrSepp
Total 3, 3, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4, 4,
 
Major holders
Depository institutions 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
Finance companies
Credit unions
Federal government 7 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
Nonprofit and educational institutions 8
Nonfinancial business
 
Major types of credit, by holder
Revolving 1, 1, 1,
Depository institutions
Finance companies
Credit unions
Federal government 7
Nonprofit and educational institutions 8
Nonfinancial business
Nonrevolving 2, 2, 2, 3, 3, 3, 3, 3, 3, 3, 3, 3, 3,
Depository institutions
Finance companies
Credit unions
Federal government 7 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,
Nonprofit and educational institutions 8
Nonfinancial business
 
Memo
Student Loans 9 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, n.a. n.a. 1,
Motor Vehicle Loans 10 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, n.a. n.a. 1,
Consumer Credit Outstanding (Flows) 1
Not seasonally adjusted. Billions of dollars, annual rate.
 
 Q3Q4Q1Q2rQ3pJulrAugrSepp
Total
 
Major holders
Depository institutions
Finance companies
Credit unions
Federal government 7
Nonprofit and educational institutions 8
Nonfinancial business
 
Major types of credit, by holder
Revolving
Depository institutions
Finance companies
Credit unions
Federal government 7
Nonprofit and educational institutions 8
Nonfinancial business
Nonrevolving
Depository institutions
Finance companies
Credit unions
Federal government 7
Nonprofit and educational institutions 8
Nonfinancial business
 
Memo
Student Loans 9 n.a. n.a.
Motor Vehicle Loans 10 n.a. n.a.
Back to Top

Last Update: November 05,

Источник: mynewextsetup.us

Credit Card Annual Fee Explained

Credit card annual fees are a cost that your credit card provider automatically charges to your account to allow you to keep the card account open. They are a common type of credit card fee.

Annual fees are the amount you pay for the benefits that come with your credit card. Not all credit cards have these fees. Generally, the higher the annual fee, the more benefits the credit card provides.

Which Credit Cards Have an Annual Fee?

Not all credit cards have an annual fee. Cards that usually have an annual fee usually provide some extra benefit, such as:

  • Reward cards
  • Premium credit cards
  • Secured credit cards

Because an annual fee increases the cost of having a credit card, any benefit you're getting from your credit card should exceed that cost. For example, if your rewards credit card has an annual fee, the rewards you earn should exceed the amount you are paying to keep the card open. Otherwise, you are losing money.

How Your Credit Card Fee Is Charged

The annual fee might be a one-time charge on your credit card during a specific month of the year, such as on the anniversary of the date you opened the card or at the beginning of the calendar year. Some credit providers divide up fees and assess them monthly, but it is common for cards to charge the annual fee once a year.

Annual fees are a separate charge from any interest payments you might incur on your account. They are charged whether or not you carry a balance on your card. Credit card issuers are legally required to disclose all annual fees when you apply to open an account.

Changes to Your Credit Card Annual Fee

If your credit card issuer decides to impose a new annual fee or raise the current one, they're required by federal law to notify you 45 days before the new annual fee becomes effective. You have the option to reject the new annual fee.

If you decide to reject the fee, you will have to close your credit card account. If that happens, you may want to look into opening a no-fee card in order to avoid lowering your credit score.

Should You Get a Credit Card With an Annual Fee?

Paying an annual fee isn't always a bad thing, especially if you use all the rewards that come with your credit card. If the card you want has an annual fee, be honest about whether the benefits of the card will outweigh the cost of the fee. Compare your card to similar credit cards from other card issuers to confirm you're getting a good deal.

Some cards that charge an annual fee may waive it in the first year in order to attract new customers. After the first year, the fee is automatically charged to your account. If you are interested in a rewards card but unsure whether the fee is worth it, look for one with a no-fee first year to assess whether the benefits outweigh the costs.

How to Avoid a Credit Card Annual Fee

If you decide the annual fee isn't worth it after the first year of using the card, you can close the account. Before you do, you should:

  • Assess the impact on your credit score.
  • Redeem any rewards you've accumulated.
  • Check if you can switch to a no-fee credit card with the same issuer.

Switching to another credit card can allow you to avoid an annual fee without damaging your credit score. Downgrading your account may cost you some benefits or prevent you from earning any rewards at all. However, by downgrading, you've avoided the annual fee, which may make more financial sense if you were not using the rewards associated with it.

Some credit cards may waive the annual fee on a regular basis if you charge a certain amount on your credit card each year. Contact your credit card issuer to find out if your annual fee can be waived based on your account activity, payment history, or length of time as a customer.

What Is the Best Credit Card With No Annual Fee?

There are plenty of great rewards cards with no annual fee, such as the Bank of America Travel Rewards card, Discover It Miles, and the HSBC Cash Rewards Mastercard.

How Do You Pay an Annual Fee on a Credit Card?

Your credit card issuer will typically charge your annual fee to your billing statement automatically once a year, around the time when you initially opened an account. This will raise your statement balance for that period.

Why Is There an Annual Fee on Some Credit Cards?

Annual fees are a premium you pay for certain card benefits. Your card issuer deems those benefits worth the annual fee, but you'll have to decide that by weighing how you use the card vs. what you have to pay.

Источник: mynewextsetup.us
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

There’s no better way to maximize rewards earnings while minimizing costs than by using a credit card with no annual fee. Here are the best no-annual-fee credit cards from our partners.

Terms & restrictions mynewextsetup.us rates & fees

Best for booking cheap hotels across multiple brands

  • Collect 1 stamp for every night you stay at any eligible property booked on mynewextsetup.us and collect 1 stamp each time you spend $ on purchases with your card.

Get 2 Reward Nights Worth $ Total

Get 2 Reward Nights Worth $ Total

Excellent/Good

Excellent/Good

Why we chose it

The mynewextsetup.us Credit Card is the perfect match for those who are deal hunters and tend to stay across multiple hotel properties and brands when traveling. With no annual fee and hotel perks aplenty, you’re only gaining from owning this card. You’ll collect free reward nights easily and Silver membership for the first year of card ownership, which gets you perks such as free breakfast and airport transfers.

Pros

  • Stamp-based system where you’ll earn 1 stamp for every eligible night you book through mynewextsetup.us, plus an additional stamp if you spend $ or more on a booking. After 10 stamps, you get a free reward night (not including taxes and fees).
  • Silver membership benefits for the first year that get you elite-like perks across many mynewextsetup.us properties, such as free breakfast, airport transfers and more
  • Solid ancillary perks such as no foreign transaction fees, trip cancellation and interruption insurance, cell phone protection

Cons

  • Unlike the other best hotel rewards cards, the mynewextsetup.us card won’t offer you bonus points for booking hotels with this card
  • After the first year, you lose your Silver membership unless you qualify for the elite status again
  • Get 2 reward nights worth $ total (max $ per night)*, when you spend $1, on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $, you won’t get the difference.
  • Collect 1 stamp for every night you stay at any eligible property booked on mynewextsetup.us and collect 1 stamp each time you spend $ on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through mynewextsetup.us
  • Choose from over , properties in + countries around the world.
  • $0 Annual Fee.
  • For the first year, you'll enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi and more at select properties.
  • Pay your monthly cell phone bill with your card and get up to $ protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when you passenger fare is booked with your card.
  • See Rates & Fees

Pros

  • Stamp-based system where you’ll earn 1 stamp for every eligible night you book through mynewextsetup.us, plus an additional stamp if you spend $ or more on a booking. After 10 stamps, you get a free reward night (not including taxes and fees).
  • Silver membership benefits for the first year that get you elite-like perks across many mynewextsetup.us properties, such as free breakfast, airport transfers and more
  • Solid ancillary perks such as no foreign transaction fees, trip cancellation and interruption insurance, cell phone protection

Cons

  • Unlike the other best hotel rewards cards, the mynewextsetup.us card won’t offer you bonus points for booking hotels with this card
  • After the first year, you lose your Silver membership unless you qualify for the elite status again
  • Get 2 reward nights worth $ total (max $ per night)*, when you spend $1, on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $, you won’t get the difference.
  • Collect 1 stamp for every night you stay at any eligible property booked on mynewextsetup.us and collect 1 stamp each time you spend $ on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through mynewextsetup.us
  • Choose from over , properties in + countries around the world.
  • $0 Annual Fee.
  • For the first year, you'll enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi and more at select properties.
  • Pay your monthly cell phone bill with your card and get up to $ protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when you passenger fare is booked with your card.
  • See Rates & Fees

Best for beginner cash back

% cash-back

  • % Earn unlimited % cash back on every purchase, every day

$

$

Excellent, Good

Excellent, Good

Why we chose it

The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.

Pros

  • Unlimited % cash back on all purchases.
  • No annual fee.
  • Cash back doesn't expire.

Cons

  • Limited card perks and benefits.
  • Other cards offer more potential and upside when it comes to redeeming cash back.
  • One-time $ cash bonus after you spend $ on purchases within 3 months from account opening
  • Earn unlimited % cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; %% variable APR after that
  • $0 annual fee and no foreign transaction fees

Pros

  • Unlimited % cash back on all purchases.
  • No annual fee.
  • Cash back doesn't expire.

Cons

  • Limited card perks and benefits.
  • Other cards offer more potential and upside when it comes to redeeming cash back.
  • One-time $ cash bonus after you spend $ on purchases within 3 months from account opening
  • Earn unlimited % cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; %% variable APR after that
  • $0 annual fee and no foreign transaction fees

Best for flexible cash rewards

- 5% cash-back

  • 5% 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12, spent in the first year.
  • 5% 5% on travel purchased through Chase Ultimate Rewards®.
  • 3% 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases.
  • % Unlimited % cash back on all other purchases.

$

$

Excellent/Good

Excellent/Good

Why we chose it

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least % back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.

Pros

  • At least % back on every purchase, with up to 3% back on select categories.
  • There is no annual fee.
  • Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons

  • There is a foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • $ Bonus after you spend $ on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12, spent in the first year.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited % cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of % - %.
  • No annual fee.

Pros

  • At least % back on every purchase, with up to 3% back on select categories.
  • There is no annual fee.
  • Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons

  • There is a foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • $ Bonus after you spend $ on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12, spent in the first year.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited % cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of % - %.
  • No annual fee.

Best for everyday spending

2% cash-back

  • 2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Excellent, Good

Excellent, Good

Why we chose it

When it comes to everyday spending, it’s hard to beat the Citi Double Cash Card. You’ll earn up to 2% back on every purchase, and you can now redeem as cash back or by converting rewards to ThankYou points with an eligible card.

Pros

  • Earning 2% back on every purchase is an industry-leading return on everyday spending for a no-annual-fee credit card.
  • Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible.
  • It’s great for those looking to consolidate debt since it offers 18 months of 0% APR on balance transfers made within the first four months of account opening (variable APR of % - % applies after).

Cons

  • There is no welcome bonus available on this card.
  • Those looking to make a balance transfer will have to pay a 3% balance transfer fee.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be % - %, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is % - % based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Pros

  • Earning 2% back on every purchase is an industry-leading return on everyday spending for a no-annual-fee credit card.
  • Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible.
  • It’s great for those looking to consolidate debt since it offers 18 months of 0% APR on balance transfers made within the first four months of account opening (variable APR of % - % applies after).

Cons

  • There is no welcome bonus available on this card.
  • Those looking to make a balance transfer will have to pay a 3% balance transfer fee.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be % - %, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is % - % based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

1 - 2X points

  • 2X Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6, per year and then 1X Points thereafter.
  • 1X Earn 1X ThankYou® Points on All Other Purchases.

20, points

20, points

Excellent, Good

Excellent, Good

Why we chose it

With the Citi Rewards+ Card, those small everyday purchases will really start to add up. All purchases round to the nearest 10 points — so that $3 bagel really gets you 10 points. Plus, you’ll earn 2 points per dollar on groceries and gas stations on the first $6, spent per year, then 1 point per dollar on everything else. As the points add up, you’ll be able to redeem them for gift cards, travel and more. For the first , points you redeem each year, Citi will return 10% of the points back to your account. This no-annual-fee card is truly one of a kind and can help you ease your way into Citi’s diverse portfolio of travel rewards cards.

Pros

  • No annual fee.
  • All purchases round up to the nearest 10 points
  • 2x on groceries and gas (up to $6, each year), 1x on everything else.
  • Get 10% of your redeemed points back each year (for the first , points redeemed annually).

Cons

  • Charges a 3% foreign transaction fee, so you won't want to take this card with you abroad.
  • Earn 20, bonus points after you spend $1, in purchases with your card within 3 months of account opening; redeemable for $ in gift cards at mynewextsetup.us
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be % - %, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6, per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is % - %, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Pros

  • No annual fee.
  • All purchases round up to the nearest 10 points
  • 2x on groceries and gas (up to $6, each year), 1x on everything else.
  • Get 10% of your redeemed points back each year (for the first , points redeemed annually).

Cons

  • Charges a 3% foreign transaction fee, so you won't want to take this card with you abroad.
  • Earn 20, bonus points after you spend $1, in purchases with your card within 3 months of account opening; redeemable for $ in gift cards at mynewextsetup.us
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be % - %, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6, per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is % - %, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Best for dining and entertainment

1 - 8% cash-back

  • 8% Earn 8% cash back on tickets at Vivid Seats through January
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.

$

$

Excellent, Good

Excellent, Good

Why we chose it

The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.

Pros

  • Earning 3% back on dining, entertainment, popular streaming services, and at grocery stores is a great return for a no-annual-fee credit card
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.
  • The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase.
  • You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (% - % variable APR after).

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).
  • Earn a one-time $ cash bonus after you spend $ on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; % - % variable APR after that
  • No foreign transaction fee
  • No annual fee

Pros

  • Earning 3% back on dining, entertainment, popular streaming services, and at grocery stores is a great return for a no-annual-fee credit card
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.
  • The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase.
  • You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (% - % variable APR after).

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).
  • Earn a one-time $ cash bonus after you spend $ on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; % - % variable APR after that
  • No foreign transaction fee
  • No annual fee

Best for customizable rewards structure

1 - 3% cash-back

  • 3% Earn 3% cash back in the category of your choice (up to $2, in combined choice category/grocery store/wholesale club quarterly purchases).
  • 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2, in combined choice category/grocery store/wholesale club quarterly purchases).
  • 1% Earn unlimited 1% on all other purchases.

$

$

Excellent/Good

Excellent/Good

Why we chose it

While many credit cards offer bonus points for set categories, the Bank of America Customized Cash lets you maximize your spending based on your lifestyle. You get to choose 3% cash back in the category of your choice each calendar month — from gas, online shopping, dining, home improvements and more — then 2% back on groceries and wholesale clubs (for the first $2, combined purchases each quarter) and 1% on everything else. For example, if you have a home improvement project, you can set your 3% bonus category to that one month and switch it to gas next month if you’re going on a roadtrip. There’s no annual fee with this card, personalized to how you want to spend.

Pros

  • No annual fee.
  • Earn $ in cash rewards after spending $1, or more in the first 90 days of account opening.
  • Earn 3% on the category of your choice each month, 2% on groceries and wholesale clubs (for a maximum of $2, each quarter) and 1% on everything else.

Cons

  • Charges a 3% foreign transaction fee -- not the ideal card to bring for traveling.
  • $ online cash rewards bonus after you make at least $1, in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2, in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to % cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, % - % Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Pros

  • No annual fee.
  • Earn $ in cash rewards after spending $1, or more in the first 90 days of account opening.
  • Earn 3% on the category of your choice each month, 2% on groceries and wholesale clubs (for a maximum of $2, each quarter) and 1% on everything else.

Cons

  • Charges a 3% foreign transaction fee -- not the ideal card to bring for traveling.
  • $ online cash rewards bonus after you make at least $1, in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2, in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to % cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, % - % Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for airline transfer partners

- 5X points

  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • X Earn unlimited X miles on every purchase, every day.
Источник: mynewextsetup.us

Comments

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