As long as you pay off your credit card each month, cards with no annual fee essentially let you earn free rewards.

It’s definitely possible to earn credit card rewards without paying interest, mostly because credit cards typically offer a grace period between the end of your billing cycle and when your payment is due. If your credit card offers a grace period, federal law requires this period to last at least 21 days.

Now, there actually isn't a Capital One Trifecta. You're probably thinking of the Chase Trifecta, which is a strategy for earning more rewards points by using three Chase credit cards. However, Capital One cardholders can employ a strategy called the Capital One Duo.

Determining the best all-around cash-back credit card can lead to plenty of arguments. Everyone believes they know the best cash-back card today and can come at you with a list of evidence as to why they think so.