Review: Navy Federal Credit Union Visa Signature Flagship Rewards

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The Navy Federal Credit Union (NFCU) Flagship Rewards credit card is a simple card for everyday use that carries a small annual fee. It covers most general spending, although other options could be better.

FEATURES AT A GLANCE

  • $49 annual fee
  • No foreign transaction fees
  • 3x points on travel
  • 2x points on everything else
  • $100 credit towards Global Entry or TSA PreCheck (once every 4 years)

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The Top 10 No-Fee Credit Cards For Everyday Spending (2021-2022)

Credit Card Roundups /

For general spending, there are now many cards which offer unlimited 2+% cashback on everything (no category restrictions). Because of these options, any card promoting 2% back in a specific category is unnecessarily limiting. And for people seeking simplicity, they can ignore other cards entirely, and only look at the below cards.

Credit cards may have good earn rates in certain categories, but for spending which doesn’t fall into a specific category, you’ll need an “everyday” card to fill in the gaps.

These are the best 10 cards for non-category spending in 2021.

 

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Review: Chase Sapphire Reserve

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The Chase Sapphire Reserve (CSR) is a luxury credit card for travelers which offers many perks. It’s also an integral part of the “Chase Trifecta” rewards strategy, which significantly boosts earnings. The Sapphire Reserve excels in the travel and dining categories, and has some of the best travel insurance protections on any card.

FEATURES AT A GLANCE

  • $550 annual fee
  • No foreign transaction fees
  • 10x points on hotels and car rentals (booked through Chase Ultimate Rewards)
  • 10x points on Chase Dining prepaid reservations (through Chase Ultimate Rewards)
  • 5x points on flights (booked through Chase Ultimate Rewards)
  • 3x points on dining
  • 3x points on travel
  • 1x points on everything else
  • $300 annual travel credit
  • $100 credit towards Global Entry or TSA PreCheck (once every 4 years)
  • Chase Offers

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Review: Costco Anywhere Visa by Citi

⭐⭐, Credit Card Reviews /

The Costco Anywhere Visa is a basic card with a restrictive rewards program. Although it technically doesn’t have an annual fee, the card is exclusively for Costco members. The credit card has reasonable earn rates for gas, dining, and travel. According to Business Insider, the Costco credit card is one of the most popular cards in terms of interest. Over 900,000 monthly searches are done for information on the card. Unfortunately, its value isn’t as straightforward as it first appears.

FEATURES AT A GLANCE

  • No annual fee (but requires a $60+ Costco membership)
  • No foreign transaction fees
  • 4% cash back on gas (up to $7,000 in annual spending)
  • 3% cash back on dining
  • 3% cash back on eligible travel
  • 2% cash back on Costco purchases
  • 1% cash back on everything else

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Review: Alliant Cashback Visa Signature

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The Alliant Cashback Visa Signature is a no-fee card which can earn 2.5% cash back on all purchases. It has hoops to jump through for setting this up, but might be worth the effort long-term. It’s aimed at medium-high spenders who want only 1-2 credit cards in their wallet.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 2.5% cash back on everything (if meeting certain requirements, otherwise the card earns 1.5% cash back on everything)

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Review: American Express Platinum

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The American Express Platinum Charge Card is a luxury travel card. It was updated in 2021 to add more credits, and they increased the annual fee, which remains out of reach for many people. Whether the card is worthwhile depends heavily on usage of the Platinum’s many credits.

FEATURES AT A GLANCE

  • $695 annual fee (previously $550 per year)
  • Zero foreign transaction fees
  • 5x points on flights ($500,000 maximum)
  • 5x points on hotels (booked through AMEX Travel)
  • 1x points on everything else
  • Metal card
  • AMEX Offers
  • Wide variety of credits

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