You don’t need to pay high annual fees and master spreadsheets to earn a ton of points from cards. These combos are easy to use and cost $95 a year — or even zero.

Three no-annual-fee cards with easy welcome offers this month -- plus ongoing rewards worth keeping for the long haul. See which card fits how you spend.

The Citi Diamond Preferred Card tops our list of the best balance transfer cards -- no annual fee, a long 0% intro APR period, and solid everyday perks.