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ExpertiseA no annual fee credit card offers all the perks of a great credit card without the extra cost. You can enjoy rewards, cash back, or other benefits without worrying about paying a yearly fee. This makes it easier to maximize your savings and get the most out of your card. Apply for a no annual fee credit card today and start benefiting without the added expense.
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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, a special travel offer, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/25
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
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49%-28.49%, based on your creditworthiness.
Rewards Rate:
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1.5% cash back on all other purchases
Welcome Bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year)
Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
Rewards Rate:
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%
(Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months
Intro APR: Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.
Rewards Rate:
Unlimited 1.5% for every $1 you spend on all purchases
Welcome Bonus: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Intro APR: 0% for 15 billing cycles for purchases and qualifying balance transfers then, a variable APR of 18.49% - 28.49%
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 18.49%-28.49%, based on your creditworthiness.
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 you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Intro APR: 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99%-27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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 on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies
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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.
