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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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CITI® PLATINUM SELECT® CARD |
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- 0% APR* on balance transfers and purchases for 6 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
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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%(V) *
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None *
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Yes
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Excellent
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DISCOVER® MORE(SM) CARD - SEALIFE COLLECTION |
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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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11.99% - 18.99%* *
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None *
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Yes
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Good
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CITI FORWARD(SM) CARD |
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- 0% APR for 6 months on purchases and balance transfers.
- The credit card that rewards you for good behavior.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- 6000 bonus points after $250 in purchases are made within 3 months of account opening.
- 5,000 bonus points when you sign up for paperless statements within 3 months of account opening.
- 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
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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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14.24%(V) *
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None *
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Yes
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Excellent
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CHASE SAPPHIRE(SM) CARD |
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- 10,000 Bonus Points after first purchase
- 2X on all airfare booked through Ultimate Rewards
- No earning caps, point expiration, or blackout dates
- Earn 10x for every dollar when shopping at select merchants through Ultimate Rewards Mall
- 1 point for every dollar on all other purchases
- 24/7 Dedicated service advisor (No voice recording)
- Premier travel protection benefits
- 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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n/a *
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n/a *
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12.24% *
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None *
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Yes
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Superior
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BMW CAR CLUB OF AMERICA REWARDS VISA ® CARD |
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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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N/A *
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N/A *
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11.24% *
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None *
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Yes
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Good
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DISCOVER® MORE(SM) CARD - WILDLIFE COLLECTION |
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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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11.99% - 18.99%* *
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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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