With the no-annual-fee Wells Fargo Active Cash® Card, for example, cardholders earn an unlimited 2% cash rewards on purchases and can redeem as a statement credit toward their credit card balance (see rates and fees).Īnother no-annual-fee card to consider is Chase Freedom Unlimited®, which now offers new cardholders 6.5% cash back on travel purchased through Chase Ultimate Rewards®, 4.5% on drugstore purchases, 4.5% on dining at restaurants (including eligible takeout and delivery services) and 3% cash back on all other purchases. There are some drawbacks to how you can redeem your rewards with the X1, and some may prefer a credit card that has more flexible redemption offers. It has no fees whatsoever, interest rates on the lower end and a notably low balance transfer fee. Its smart technology, modern look, strong rewards program and promise of a higher credit limit make the card appealing to those looking for something different. The X1 Card is certainly an interesting option for a new generation of young cardholders. And if you want to pay off your balance more frequently than once a month, cardholders can set up autopay on a weekly or biweekly basis.īelow, Select take a closer look at the X1 Card's rewards and fees. That means it's more likely a cardholder can get a higher credit limit than they would with any other traditional credit card - up to five times higher, per the company's website.Ī higher credit limit means you have a better chance at a lower credit utilization rate (your total balance divided by your overall credit limit), which helps your credit score. The issuer looks at an applicant's current and future income to set credit limits and interest rates, rather than basing those factors solely off one's credit score. The X1 Card also stands out because of its higher credit limits. Cardholders can also get instant notifications on refunds and create virtual cards (disposable card numbers) for one-time use, making it possible to spend anonymously without disclosing your personal information. What makes it so smart? X1's technology allows cardholders to cancel subscription payments in just one click and end free trials automatically with auto-expiring virtual credit card numbers. Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs Bonds Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score Taxes +More All Taxes Best Tax Software Best Tax Software for Small Businesses Tax Refunds Small Business +More All Small Business Best Small Business Savings Accounts Best Small Business Checking Accounts Best Credit Cards for Small Business Best Small Business Loans Best Tax Software for Small Business Personal Finance +More All Personal Finance Best Budgeting Apps Best Expense Tracker Apps Best Money Transfer Apps Best Resale Apps and Sites Buy Now Pay Later (BNPL) Apps Best Debt Relief Best Mortgages for Average Credit Score.Best Loans to Refinance Credit Card Debt.
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