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Using rewards cards can be as simple or circuitous as you appetite it to be. On the simple end of the spectrum are cash-back cards that crop aboveboard rewards with abiding and anticipated values. Here are some of the best cash- aback agenda offerings. None allegation an anniversary fee.

Citi Double Banknote Mastercard

The agenda offers a $100 sign-up benefit if you absorb $500 in the aboriginal three months. This card’s backbone is its aboveboard aftereffect on all purchases. And because it carries no anniversary fee, it’s a abundant best alike if you don’t absorb much. You’ll acquire 1 percent banknote aback anniversary time you accomplish a acquirement and 1 percent aback you pay the bill. Aback you accrue at atomic $25 in banknote back, you can redeem it as an annual credit, a check, or a drop into a Citi blockage or accumulation annual or any blockage annual from which you’ve paid a Citi acclaim agenda bill at atomic twice. Rewards expire if you don’t use the agenda for a year.

Chase Freedom Visa

You’ll get $150 aback if you absorb $500 in the aboriginal three months and addition $25 if during those three months you add an accustomed user to the card. The agenda offers 5 percent aback on up to $1,500 spent in categories that circle annual and 1 percent aback on added purchases. Rewards are tracked as Chase Ultimate Rewards points, which you can redeem for an annual acclaim or coffer annual deposit, allowance cards, or biking bookings at a bulk of 1 cent per point.

Discover It

Discover will bout the banknote aback you’ve becoming afterwards one year, acceleration your rewards for the year. Discover It offers a 5 percent abatement on up to $1,500 in purchases in categories that change annual and 1 percent on aggregate else. You can redeem banknote aback in any bulk for a annual credit, coffer annual deposit, accommodating donation or purchases with accommodating merchants.

Fidelity Rewards Visa Signature

Acquire 2 percent aback on aggregate you allegation with the Fidelity card. The catch: You barter credibility you acquire for deposits into an acceptable Fidelity Investments account, including brokerage, banknote management, retirement, accommodating giving and 529 college-savings accounts. You can bisect rewards amid up to bristles accounts and alike accord to a ancestors member’s or friend’s acceptable annual — say, allotment your grandchild’s 529 plan. Once you accept at atomic 5,000 points, you can barter them for a banknote drop into your Fidelity account. You can additionally redeem credibility for items such as allowance cards and merchandise, but credibility are about account alone about bisected the value.

(Lisa Gerstner is a accidental editor to Kiplinger’s Personal Finance magazine. Send your questions and comments to [email protected] And for added on this and agnate money topics, appointment Kiplinger.com.)

(c) 2018 Kiplinger’s Personal Finance; Distributed by Tribune Content Agency, LLC.

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