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
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.
2. Discover it Chrome
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.
3. Citi Simplicity
Lazy people hate complicated things, so the Citi Simplicity Citi Simplicity (reviewed here) just feels right. New applicants receive 21 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.