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earns 5% cash back in rotating quarterly categories on up to $1,500 in purchases each quarter (requires activation); everything else earns 1%. Use it as your everyday card, or pair it with one that earns flat-rate rewards for maximum returns.

Pros The bonus categories have historically included popular everyday spending areas like supermarkets, gas stations and restaurants. Cons You have to remember to activate the bonus categories each quarter.

Redeem $1 in Travel Bank cash for $1 toward a United ticket — no fussing with award seat availability or blackout dates. Cons You won’t receive free checked bags or priority boarding with this card — or any no-annual-fee airline card.

Your rewards also aren't part of the regular United Mileage Plus frequent-flyer program, so there’s no chance for scoring outsized value when redeeming them.

Spending on gas, travel (which includes hotel, airfare, rideshares and transit), restaurants and popular streaming media services earns a fat 3 points per dollar. There's even a 0% intro APR period and a sweet offer for new cardholders: Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value.

Cons There are no plush perks like lounge access, travel credits or travel transfer partners, which may be worth the trade-off of not forking over a hefty annual fee.No-annual-fee credit cards make it easy to come out ahead, regardless of your spending.Plus, you’ll be able to keep your card open for a long time at no cost, increasing the average age of your accounts, which has a positive effect on your credit score.Click here and get reminded before the show is going live!Relatively tall, 5`8″, yet Chesapeake, Virginia born Alex still sports `curves for days`, her natural 34DDD breasts the obvious crown achievement!Pros The Capital One® Savor One® Cash Rewards Credit Card offers 3% cash back on dining out, takeout and entertainment, including movies, bowling, concerts, and tourist attractions.

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