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NO ANNUAL FEE CREDIT CARDS
Although credit card companies have been raising rates and fees recently, many of the best credit cards still charge no annual fees, provide 0% introductory rates for up to 1 year, and offer rewards such as cashback. Individuals with bad credit are often forced to pay high annual fees, as are people who want to earn airline specific rewards or participate in a high-end rewards program. Fortunately, for the time being, people with good credit can still choose to not pay annual fees. Below you will find information on no annual fee credit cards as well as links to secure online applications. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.
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CAPITAL ONE® NO HASSLE MILES(SM) REWARDS |
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- 1 mile per dollar spent on purchases up to $1,000 each month
- 2 miles per dollar above $1,000 each month
- No limit on the miles you can earn and miles don't expire
- Redeem for Travel, Merchandise, Gift Cards and more
- No blackout dates and no seat restrictions
- Fly FREE on any airline to any destination
- No foreign transaction fees
- 0% APR on purchases until November 2010
- No annual fee
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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0% on purchases *
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Until 11/2010 *
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13.9%(V) *
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None *
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Yes
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Excellent
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DISCOVER® MORE (SM) CARD |
MORE DETAILS HERE
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- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
- No annual fee
- Customer Service in less than a minute, anytime you want
- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- Up to 1% Cashback Bonus on all other purchases automatically
- Unlimited cash rewards
- Editor's Pick for best overall offer. Click more details below the card to find out why.
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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0% *
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6 Months *
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As Low As 11.99% *
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None *
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Yes
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Good
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CAPITAL ONE® NO HASSLE MILES(SM) REWARDS - GOOD CREDIT |
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- 1.25 miles for every dollar spent on purchases
- No limit on the miles you can earn and miles don't expire
- Redeem for Travel, Merchandise, Gift Cards and more
- No blackout dates and no seat restrictions
- Fly FREE on any airline to any destination
- 0% intro APR on purchases until November 2010
- No foreign transaction fees
- No annual fee
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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0% on purchases *
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Until 11/2010 *
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16.9%(V) *
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None *
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Yes
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Good
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GOLF MAGAZINE REWARDS VISA® CARD |
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- Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 monthly billing cycles.
- Free 1 dozen Titleist Pro V1 golf balls after your first purchase of $50 - a $58 value!
- Earn 1% cash back. Or earn points for golf gear, access to championship courses, VIP golf experiences, plus travel, merchandise, and gift cards
- Points don't expire (as long as your account is open and you use your credit card every 24 months)
- No annual fee
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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0% on Transfers *
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6 Months *
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16.24% *
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None *
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Yes
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Excellent
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CAPITAL ONE® ORBITZ® VISA® PLATINUM - EXCELLENT CREDIT |
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- 3 points per dollar spent on eligible Orbitz.com bookings
- Get 1 point per dollar on all other purchases
- Bonus points on eligible Orbitz.com bookings
- No limit on the points you can earn and points don't expire
- Redeem points for Travel, Merchandise, Gift Cards and more
- Earn travel quickly with low redemption minimums
- 250 point refueling bonus when you redeem points for awards
- No annual fee
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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0% on purchases *
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Until 11/2010 *
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13.9%(V) *
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None *
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Yes
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Excellent
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CITI® MTVU™ PLATINUM SELECT® VISA® CARD FOR COLLEGE STUDENTS |
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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0% APR* *
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See Terms* *
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As low as 17.24% (V) *
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None *
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Yes
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Good
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Choosing the Right No Annual Fee Credit Card Rewards Program During tough economic times, credit card rewards are often the last thing on our minds. However, a good no annual fee rewards credit card can provide a lot of benefits. In general, the best rewards credit cards offer cashback as opposed to points or airline miles. With cashback credit cards, you generally earn between 1% to 5% cashback in various categories.
On the surface, this doesn't seem like much, but over the course of a year, cash back rewards do add up quickly.For example, if you charge $25,000 a year on gas, groceries, travel, and other personal expenses, you'll get a nice $250 check from a cash back rewards credit card.
Aside from cash back rewards, you can also earn airline miles or points with a no annual fee rewards credit card. However, the value of points and miles is often less than 1% of what you spend. Plus, you often need to accumulate thousands of points to get a reward. Thus, in our opinion, the best no annual fee rewards credit cards are the ones that offer 0% interest rates and offer cash back rewards. *Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website. |
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