[UPDATE: Some offers mentioned below have expired. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]
Do you enjoy waking up at the crack of noon? Do you sometimes have trouble remembering exactly when to make your credit card’s monthly payment? If so, then you might be a perpetually lazy credit card user. There’s no shame to that, and if you don’t want to change your habits, so you might as well embrace your laziness and choose the best credit card for your lifestyle.
While the world is rushing to extract the maximum value from their credit cards, you can relax and enjoy these five cards designed just for people who have a more leisurely take on life. Before you apply for a new credit card, it’s a good idea to check your credit to see if you’re likely to qualify for it. That may sound like extra work, but it’s quite easy — you can get two credit scores for free each month on Credit.com — and it will probably make your card-shopping process easier.
1. Chase Slate
- $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
- 0% Introductory APR for 15 months on purchases and balance transfers
- See monthly updates to your FICO® Score and the reasons behind your score for free
- No Penalty APR – Paying late won’t raise your interest rate (APR). All other account pricing and terms apply
- $0 Annual Fee
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There are several reasons why the Slate card can be ideal for lazy people. First, it offers new cardholders 15 months of interest-free financing on new purchases and balance transfers with no balance transfer fee, so you have extra time to get around to paying for your purchases without incurring interest. It also features access to Chase’s Blueprint program, which allows you to pick a date to pay off your purchases by, and Chase will simply show you the amount that you need to pay to reach that goal. And don’t worry about using up the energy to refer to this feature every month, as it will conveniently print out your Blueprint payment amount on each statement. Slate cardholders also have no penalty interest rate to worry about, and there is no annual fee for this card. You can read a review of the Chase Slate card here.
While the standard Discover it card features 5x rewards on different categories of purchases that are featured each quarter, you have to remember to register for these bonus categories, which is something that lazy people simply don’t have the inclination to do. But with the Discover it Chrome card, you have no rotating categories to worry about or to register for — you simply earn 2% cash-back rewards on up to $1,000 in combined purchases on gas and dining each quarter. This card also offers your first late payment fee waived and no penalty interest rate. There is no annual fee for this card.
Citi Simplicity® Card - No Late Fees Ever
- The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- The same great rate for all balances, after the introductory period
- Save time when you call with fast, personal help, 24 hours a day – just say “representative”
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
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Lazy people hate complicated things, so the Citi Simplicity (reviewed here) just feels right. New applicants receive 18 months of interest-free financing on new purchases and balance transfers, with a balance transfer fee of 3% or $5, whichever is greater. Lazy cardholders also enjoy no late fees and no penalty interest rates. There is no annual fee for this card. (Full Disclosure: Citibank, as well as Chase, American Express, PenFed & Discover advertise on Credit.com, but that results in no preferential editorial treatment.)
4. Amex Everyday Preferred
This card is a great choice for people who want to earn valuable rewards but don’t want to worry about which card to use at which store. Instead, cardholders receive additional rewards for forgetting about other credit cards and just using this card everywhere they go. This card offers 3x points at U.S. supermarkets stores (on up to $6,000 spent each calendar year, then 1%) and 2x points at gas stations. But when you use this card to make at least 30 transactions in a statement period, you receive a 50% rewards bonus. In addition, new cardholders receive 15,000 bonus points after spending $1,000 within 3 months of account opening. New applicants also receive 15 months of interest-free financing on new purchases and balance transfers, with a 3% balance transfer fee. There is a $95 annual fee for this card. (You can read a full review of the card here.)
5. PenFed Promise
Who has time to learn all of the fees associated with most credit cards? Few do, especially the lazy. Thankfully, this card doesn’t have any fees. There is no annual fee, late fee, foreign transaction fee, cash advance fee or balance transfer fee. New applicants receive 4.99% introductory financing on balance transfers for 12 months and a $100 statement credit when they spend $1,500 within 3 months of account opening. This card was the most recent winner of our Best Simple Credit Cards in America ranking.
At publishing time, the Chase Slate, Discover it Chrome, Citi Simplicity and PenFed Promise cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for them. However, this relationship does not result in any preferential editorial treatment.
Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.