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.

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.

Want to rack up 3X points on every booked flight, dinner on the town, and more? Here's the card to get, plus other great ...