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How to switch to no annual fee reward credit cards

Reward credit cards with no annual fee can be a great pick for all kinds of individuals. This type of card is especially ideal for applicants who are looking for limited but fantastic rewards without bearing the brunt of the yearly charges. You can easily switch from your current credit card issuer to this kind of card. But before doing so, there are certain factors you should be mindful of.

Pick a type No annual fee reward credit cards come in various types, primarily for travel, cash back, balance transfer and gas bonuses. Selecting the right card will help you make the most of your points and offers. For instance, if you are a frequent flier then a travel reward credit card offering airplane miles will prove to be lucrative.
Save your points While you are switching to a no annual fee credit card, understand how your points from the existing card will be affected. The earned points will remain untouched if you are just shifting to a no annual fee variant from the same company. On the other hand, if you are seeking the financial services of entirely different brands then chances are you might lose your points. However, the bonuses that you have received from a co-branded credit card will remain in your membership account.
Understand your eligibility You might not be eligible to switch to a no annual fee rewards credit card if you haven’t maintained the existing card for about a year. There might be other criteria, but this factor can vary across all credit card issuers.
Maintain your credit score Ensure that you switch to a no annual fee rewards credit card, instead of canceling your present credit card and getting a new one as it can negatively influence your credit score. This is especially crucial if you are trying to improve your financial profile for future loan applications.

Six popular no annual fee rewards credit cards of 2017

Chase Freedom Unlimited Card
Bank of America Travel Rewards Credit Card
Capital One VentureOne Rewards Credit Card
The Amex EveryDay Credit Card from American Express Highlights
Citi Double Cash Card
Bank of America Cash Rewards Credit Card

Before shortlisting reward credit cards with no annual fee, ensure that you scrutinize their services, offers, and fine print. Also, don’t get captivated with promotional deals only, contemplate about how it fits your monetary habits in the long run and make the best pick.

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