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#CHASE FREEDOM FOREIGN TRANSACTION FEE FULL#
#CHASE FREEDOM FOREIGN TRANSACTION FEE PLUS#

(See all our Best Cash Back Credit Card winners.)

#CHASE FREEDOM FOREIGN TRANSACTION FEE FULL#

That’s a great return for doing nothing more than purchasing as usual and paying off the balance in full each month. And in the first year, you’ll earn $920 thanks to the introductory bonus. If you spend $3,000 a month-as the typical Wall Street Journal reader does-you’ll take home $720 a year just for swiping your card. That is less than many other cash back cards currently require to claim their sign-up bonuses and a lower hurdle than this card had as recently as April. New users can also take advantage of a $200 welcome bonus, if they spend $500 within the first three months. That’s the best general-rewards rate we found among both annual fee and no annual fee cards-unless you are willing to put up with restrictions on how much and where you can earn or to jump through other hoops to get your cash back. Wells Fargo Active Cash offers a flat rate of 2% back across your purchases. If you want a straightforward card that pays a top cash-back rate, this may be the card for you.

Select “Apply Now” to learn more about the product features, terms and conditions.

Welcome offer: Earn $200 cash rewards bonus after you spend $500 in first three months.

Base rewards rate: 2% cash rewards on purchases.

Understanding the difference can help you avoid surprises when your credit card statement arrives. Most likely, your card simply has no annual fee. More than likely, it has a host of fees you could encounter. You may be shocked if one of these fees shows up on your credit card statement after hearing it referenced as a “no fee” credit card. Why does this matter? It's important that credit card consumers understand the details of their credit cards. While it has no annual fee, foreign transaction fees, or late payment fees, it has a monthly fee and a monthly payment amount. There's no annual fee, but there are many other fees you could encounter.Įven the recently-announced TD Clear Visa Platinum Credit Card has fees, despite its marketing points.

Interest fees: 18.24% - 26.24% Variable APR if you don't pay your balance in full each month.Īs you can see, these cards do have fees.

Foreign transaction fee: 2.7% of each transaction after conversion to US dollars.

#CHASE FREEDOM FOREIGN TRANSACTION FEE PLUS#

Interest fees: 18.99% - 28.99% (Variable) APR if you don't pay your balance in full each month.Īnd the Blue Business Plus publishes these fees ( Rates & Fees):.Cash advance fee:5% of each cash advance $10 minimum.After that, 5% of each transfer ($5 min). Balance transfer fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening.Similarly, the Citi Double Cash has these fees: Interest fees: 19.99% - 28.74% Variable APR if you don't pay your balance in full each month.Foreign transaction fee: 3% of each transaction in U.S.Cash advance fee: Either $10 or 5% of the amount of each transaction, whichever is greater.Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.These cards do have tons of fees - just not annual fees.Ĭonsider that the Freedom Unlimited has the following fees: However, discussions of these credit cards as “no fee” cards can be misleading. There's no fee for keeping these cards in your wallet year after year. To understand what I'm talking about, I'll use three popular credit cards with no annual fee: Chase Freedom Unlimited ®, Citi ® Double Cash Card, and The Blue Business ® Plus Credit Card from American Express ( Rates & Fees). Why No-Annual-Fee Cards Aren't No-Fee Cards I'm here to tell you that you should beware whenever you see that. However, you may see posts and discussions of these credit cards as “no fee” credit cards. For one reason or another, you don't want to pay a fee to keep that card in your wallet each year. This same idea applies to people who look for credit cards with no annual fee. That means many people try to avoid them. The delivery fee on your Uber Eats order, resort fees on your trip to Hawaii…it feels like extra fees are everywhere. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Terms Apply to the offers listed on this page. AwardWallet receives compensation from advertising partners for links on the blog.