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You don't need to pay an annual fee to get a card with valuable rewards and benefits. Compare our top credit cards with no annual fee and find yours today.
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Rewards Rate:
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter
Also, earn unlimited 1% cash back on all other purchases
Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Intro APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24%-29.24%, based on your creditworthiness
Rewards Rate:
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time
Plus, for a limited time, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/24
Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Intro APR: 0% intro APR for 18 months on balance transfers
Rewards Rate:
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on every purchase you make
Welcome Bonus: $200 when you spend $500 within the first 3 months
Intro APR: 0% intro APR for 15 months on purchases
Rewards Rate:
6% cash back at U.S. supermarkets up to $6,000 per year in purchases, then 1%
6% cash back on select U.S. streaming subscriptions
3% cash back on U.S. gas stations and transit including taxis/rideshare, parking, tolls, trains, buses and more
1% cash back on other purchases
Intro APR: 0% intro APR for 12 months on purchases and balance transfers
Terms Apply, See Rates & Fees
Rewards Rate:
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores and 1% on all other purchases
Welcome Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Intro APR: 0% APR on purchases for 15 months
Rewards Rate:
Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter
Earn 1X ThankYou® Points on all other purchases
Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025
Welcome Bonus: Earn 20,000 bonus points after spending $1,500 within the first 3 months of account opening
Intro APR: 0% intro APR for 15 months on purchases and balance transfers
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In the age of maximizing financial returns, the trend of the best credit cards with no annual fee is gaining traction. With online platforms facilitating easy comparisons and applications, you can now find the best cash back credit cards with no annual fee or the best travel credit cards with no annual fee without ever leaving your home. If this is the year you aim to save more, starting with the best credit cards with no annual fee can be a smart choice.
With a myriad of options, making an informed choice can seem daunting. Here’s a guide to selecting the best no annual fee credit cards tailored to your needs:
Purpose: Are you seeking cash back, travel perks, or other rewards? For instance, if you love traveling but hate fees, the best credit cards for travel with no annual fee should be on your radar.
Reward Rates: Just because it's fee-free doesn’t mean you should compromise on returns. The highest cash back credit card with no annual fee can offer substantial savings.
Additional Perks: Some cards, like the best credit card for airline miles with no annual fee, come with added benefits like free checked bags or priority boarding.
As you delve into the world of the best credit cards with no annual fee, keep these points in mind:
True Savings: Annual fees can sometimes offset the benefits of a card. With no annual fee, you can ensure your rewards truly benefit you.
Diverse Options: From the best credit card rewards with no annual fee to travel credit cards with no annual fee, there’s something for everyone.
Credit Score Impact: As with any card, pay off your balances on time. While you're saving on fees, maintaining a good credit score is paramount.
Do no annual fee cards offer competitive rewards?
Absolutely! Many best no annual fee credit cards provide competitive rewards, such as cash back or travel perks.
Can I upgrade my no annual fee card to a premium card in the future?
Yes, many issuers allow upgrading. If you start with a credit card with no annual fee and wish to explore premium options later, you can often switch.
Are there any hidden charges to watch out for?
While you might be avoiding annual fees, always read the fine print for other potential fees like late payments or foreign transaction fees.
Diving into the realm of the best credit cards with no annual fee can lead to genuine savings and rewards. With diligent research and mindful spending, a fee-free financial future may await.
