12/29/2023 0 Comments Citi double cash international feesOn the other, it also means there’s no opportunity to earn more than 1.5% in rewards on categories in which you spend a lot. On the one hand, that eliminates any need to emphasize certain spending habits in order to earn more rewards on certain purchases. It's an achievable pace of purchasing, even if you’re not a big spender.Ĭardholders earn a flat 1.5% cash back on every purchase, with no limit on those earnings. That's an average spend of $167 per month. You’ll earn a $200 cash bonus once you spend $500 on purchases within three months of your account opening. The fees of up to 3% charged by other cards may not seem like a lot, but can add up over the course of an international trip.Ĭapital One Quicksilver Credit Card One-Time Offer Just be sure to take time to compare it with other no-annual-fee cards to ensure you pick the right one for you.įinally, given the absence of a foreign transaction fee, think about getting the card if you want a cash-back credit card to use abroad. The card’s lack of an annual fee is appealing for people who are generally fee-averse and don’t want to worry about earning enough rewards to justify a yearly cost. It’s also a good option if you're looking for a long introductory 0% APR promotion on purchases and balance transfers. The Capital One Quicksilver Credit Card is a solid choice for people who don’t spend a lot in any one budget category and/or prefer one rewards rate instead of multiple rates that depend on the purchase. Plus you may earn more in cash-back rewards with a card that offers tiered reward rates that are tied to different purchase categories. Relatively Modest Cash-Back Rewards: Other cards pay a higher flat cash-back rate.According to Capital One, that means you've never declared bankruptcy or defaulted on a loan, never paid more than 60 days late in the past 12 months on any credit card, medical bill, or loan, and have had a loan or credit card for three or more years that had a $5,000+ credit limit. Requires Excellent Credit: This card requires that applicants have excellent credit.But if you think you might have a balance left after the promotional period, or you habitually carry a balance, bear in mind that you might find lower-rate cards. Of course, this APR won’t matter if you pay your balance in full each month, which we recommend. According to the Federal Reserve, the average credit card interest rate across all credit card accounts that charge interest is 20.92%. Some other cards have a lower range of APRs. The APR Can Be Comparatively High: After the card’s introductory 0% APR promotion ends, the ongoing variable APR can range from 19.99% to 29.99%, based on your creditworthiness.The Alliant Cashback Visa Signature card gives you 2.5% cash back on all purchases on up to the first $10,000 in spending. For example, the Citi Double Cash Card, another card with no annual fee, offers 1% back on every purchase plus another 1% when you pay your bill. But if you’re looking for a card that offers more rewards in areas where you spend a lot, this one won’t do. What's more, it doesn’t offer the highest flat rewards rate out there. No Opportunity for Bonus Rewards Rates: The simplicity of the card's flat-rate rewards structure is appealing.
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