How To Apply For No Annual Fee Credit Card With Rewards
If you want to apply for a no annual fee credit card and earn rewards points, you can look at a variety of offers. The top recommended products in this category for Canadians are the MBNA Best Western MasterCard, the MBNA Sony MasterCard Credit Card, and the Capital One Aspire Gold MasterCard. American express features two no annual fee cards – the American Express AIR MILES Gold Business card and the American Express AIR Miles Credit Card. Obviously, you can choose from a variety of offers, suitable for individuals and business owners.
The MBNA Best Western MasterCard is one offer to check, going with no annual fee and a welcome bonus of 20,000 bonus points with the first qualifying purchase. Every dollar you spend in qualifying purchases earns 1.5 points, and you earn 50 points for cash advances over $50. Additional rewards points can be earned by shopping at MBNA’s retail partners. This card goes with a standard interest rate of 19.99 percent on balance transfers/ cheque cash advances, cash advances or cash equivalents, and purchases. The standard rate goes up to 24.99 percent if you are late more than one time over 12 billing cycles. These are consecutive.
The MBNA Sony MasterCard Credit Card is another credit card offer for persons who look for no fee credit card. The first qualifying purchase you make brings you a welcome bonus of 2,000 BONUS Sony Points. Every dollar in purchases earns one Sony Point, and points double on purchasing Sony merchandise. Double points are earned only if you shop at authorized dealers of Sony. You can redeem your Sony Points for games, entertainment, electronics, etc. The card goes with 19.99 percent interest, but the default rate is 24.99 percent.
The Capital One Aspire Gold MasterCard is another option to check, going with no annual fee. There is no annual fee if you add another authorized user as well. Every dollar you charge earns 1 bonus mile, and you get an anniversary bonus of 1,000 points. The interest rate is 19.8 percent, valid for cash advances, purchases, as well as balance transfers. Beneficial features include baggage delay insurance, price protection, purchase assurance, etc. You are a likely applicant for this credit card if you have a combined household income of at least $30,000, want to earn rewards, and do not carry a balance. On the other hand, it may not be good for you, if you typically charge $1,000 or less a month Finally, you won’t qualify for this card unless you have an excellent or good credit score.
The Delta SkyMiles Gold MasterCard is another credit card by Capital One, also going with rewards and no annual fee. Every dollar spent in Delta purchases brings you one point. A welcome bonus is offered with the first purchase, in the amount of 2,500 points. The interest rate on this card is also 19.8 percent.
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