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.

While just about any decent credit card offers enough value to justify its existence, the question is: How many credit cards do you want to have to justify? If you're exhausted tr ...