The Best No Hassle Points Cards
One of the best ways to get the most out of your spending is to use rewards credit cards. Every time you spend, you receive something back. It’s like getting a discount on your purchases. As you collect points or miles, it’s possible to redeem for free travel, statement credits, or other items.
Some rewards credit cards make it a little more difficult to earn optimum points or miles. Rotating category cards can mean higher rewards if you are willing to go through the effort of making sure your spending aligns with the special categories each quarter—and making sure you remember to activate your offers. And branded credit cards might come with the stress of making sure you are loyal to a specific chain or airline company.
If you are looking for a rewards credit card that comes without a lot of fuss, here’s where to start:
Capital One® Venture® Rewards Credit Card
The Capital One® Venture® Rewards Credit Card is one of the best rewards credit cards available today. You earn double miles on every purchase without limits or expiration, and you can use your miles on any airline or hotel without blackout dates. No worries about branding or rotating categories. Additionally, there are no foreign transaction fees with this credit card.
Signup Bonus -- Right now, there is a one-time bonus of 50,000 miles once you spend $3,000 in purchase within three months of account opening. This is equal to $500 in travel.
Rewards -- Earn 2X miles per dollar on every purchase, each day. Your rewards can be redeemed at any time for use on any airline or at any hotel, with no blackout dates, for a value of about 1.0 cents per point.
APR -- This card has a variable APR of between 20.24% and 28.24%.
Fees -- The annual fee is waived for the first year, and is $95 after that.
Premier Rewards Gold Card from American Express
Editorial Note: The information related to Premier Rewards Gold Card from American Express has been collected by Credit Cards House and has not been reviewed or provided by the issuer of this card.
The Premier Rewards Gold Card from American Express, a Credit Cards House advertiser, provides you with a no-hassle way to earn extra points. There are categories associated with this card, but they are stationary instead of rotating and you don’t have to register for them. If you like to travel, this can be an ideal credit card since it offers extra points for travel-related purchases. There are extra perks and no foreign transaction fees.
Welcome Bonus -- Receive 25,000 Membership Rewards® Points when you spend $2,000 on purchases on your new Card in the first three months of Card Membership.
Rewards -- Receive 3X points for flights booked directly with airlines. You receive 2X points for spending at US restaurants, US gas stations, and US supermarkets. You receive 1X points on all other purchases. You can redeem rewards in full or in part for a purchase. Points are worth between 0.5 cents and 1.0 cents each, depending on how you redeem them.
Other Perks -- Receive up to $100 in airline fees, such as baggage fees, with this card. You can also receive a $75 hotel credit on qualifying charges and a room upgrade if available with The Hotel Collection.
APR -- You pay this card off each month, so there is no interest charge.
Fees -- The annual fee is waived for the first year, but the fee after is $195.
Citi ThankYou® Preferred Card
The Citi ThankYou® Preferred Card from Citi, a Credit Cards House advertiser, makes it easy to earn and redeem rewards points no matter where you shop. Plus, this card comes with a 0% APR balance transfer and purchase introductory rate. You don’t have to worry about points expiring or blackout dates when redeeming.
Rewards -- Earn two ThankYou Points per dollar on purchases made at restaurants and for entertainment. Earn one ThankYou Point for all other purchases. ThankYou Points can be redeemed for merchandise, travel, gift cards, cash, and more. They are worth up to 1.0 cent per Point.
APR -- 0% intro APR on purchases for 15 months from account opening 0% intro APR on balance transfers from date of first transfer. After that, the APR will be 15.49% - 25.49%* (Variable).
Fees -- There is no annual fee with this card. However, the balance transfer fee is $5 or 3%, whichever is greater.
The Amex EveryDay® Credit Card from American Express
Editorial Note: The information related to the Amex EveryDay® Credit Card from American Express has been collected by Credit Cards House and has not been reviewed or provided by the issuer of this card.
The Amex EveryDay® Credit Card from American Express, a Credit Cards House advertiser, offers no-stress rewards earnings on categories you use every day. Points are flexible and can be redeemed for a number of perks but you are likely to get the best results when paying for travel through amextravel.com.
Welcome Bonus -- Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first three months of your Card membership.
Rewards -- Receive 2X points at US supermarkets on up to $6,000 in purchases per year and 1X points after that. You earn 1X points on all other purchases. If you make 30 or more purchases with your card in a billing period you receive 20% extra points on those purchases. Depending on redemption, points are worth between 0.5 cents and 1.0 cents each.
APR -- 0% intro APR on purchases and balance transfers for 15 months, and then a variable rate that is currently between 14.99% and 25.99%.
Fees -- No annual fee. No balance transfer fee (for transfers made within the first 60 days).
If you want hassle-free rewards, look for cards that allow you to earn points on most purchases, or at least have extra points for categories that you know you will spend more in. Flexible redemption is also important. Your best results come when you pay off your balance each month, avoiding interest charges that will cut into the value of your rewards. With the right card, it’s also possible to come out ahead, even when you pay an annual fee.
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.