Answer:
Yes
Explanation:
You want to know if there is a way to use credit cards without incurring any costs and actually reap a reward.
The terms of service for a credit card will depend on the institution issuing it. Many nationally advertised credit cards have an annual fee, so using one of those will not satisfy your requirement.
Many credit unions will offer a credit card without an annual fee. If you don't want to pay any finance charges, you must pay the balance in full each month. The same institutions may also offer a card with an associated reward.
Yes, you can use a credit card that offers a reward with no costs if you choose an appropriate issuing institution and you pay off the balance each month.
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Additional comment
You may want to restrict the number of credit cards you use. While it may be reasonable to have different cards for different purposes, multiple cards may complicate your use of credit and tempt you to incur more debt than you can comfortably manage.
The card issuer makes their money from finance charges and transaction fees, so they have every reason to keep you in debt.
A credit card that computes finance charges based on an average daily balance may not be cost-free. Cards are available that do not charge any finance charge for the month a purchase is made.
