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No Annual Fee Credit Cards Better Business Bureau Reliability Seal

If you're careful with your finances, you know that reading the fine print can be advantageous when it comes to credit cards. Knowing how, when, and why a credit card will hit you with additional charges is important if you want to keep more of your money in your pocket.

One easy way to do just that is to utilize credit cards that charge no annual fees. This can save you $50 or more each year, giving you more money to spend how and where you want. There are many companies that offer no annual fee credit cards. However, these cards can vary greatly from company to company.

Continue reading below reviews

2017

No Annual Fee Credit Card Reviews

5 stars
USAA Rewards™ Visa Signature®
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

USAA Rewards™ Visa Signature®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

4 stars
USAA Cash Rewards® Visa Signature® Card

USAA Cash Rewards® Visa Signature® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

4 stars
USAA Rewards™ American Express® Card

USAA Rewards™ American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

4 stars
USAA Cash Rewards® American Express® Card

USAA Cash Rewards® American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

3 stars
Indigo® Unsecured MasterCard®

Indigo® Unsecured MasterCard®

No security deposit required
Read More... Visit Site

3 stars
Indigo® Unsecured MasterCard®

Indigo® Unsecured MasterCard®

No security deposit required
Read More... Visit Site

3 stars
Indigo® MasterCard®

Indigo® MasterCard®

Account history is reported to the three major credit bureaus in the U.S.
Read More... Visit Site

3 stars
Are you pre-approved for Fingerhut Credit.  Enter your name and address and find out now.

Are you pre-approved for Fingerhut Credit. Enter your name and address and find out now.

Build your Credit with Fingerhut!
Read More... Visit Site

3 stars
Fingerhut Credit Account

Fingerhut Credit Account

Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
Read More... Visit Site

3 stars
Are you pre-approved for Fingerhut Credit.  Enter your name and address and find out now.

Are you pre-approved for Fingerhut Credit. Enter your name and address and find out now.

Build your Credit with Fingerhut!
Read More... Visit Site

3 stars
Indigo® MasterCard®

Indigo® MasterCard®

Account history is reported to the three major credit bureaus in the U.S.
Read More... Visit Site

3 stars
Find out instantly if you

Find out instantly if you're pre-approved with Fingerhut Credit.

Build your Credit with Fingerhut!
Read More... Visit Site

3 stars
Find out instantly if you

Find out instantly if you're pre-approved with Fingerhut Credit.

Build your Credit with Fingerhut!
Read More... Visit Site

3 stars
USAA Military Affiliate Card

USAA Military Affiliate Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
Apply for Gettington Credit! We are different from the everyday credit card and are perfect for peop

Apply for Gettington Credit! We are different from the everyday credit card and are perfect for peop

Read More... Visit Site

3 stars
AchieveCard Visa® Prepaid Card

AchieveCard Visa® Prepaid Card

Get paid faster than a paper check
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3 stars
READYdebit<sup>®</sup> Visa Mint Control Prepaid Card

READYdebit® Visa Mint Control Prepaid Card

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
Read More... Visit Site

3 stars
Gettington Credit

Gettington Credit

Features a low APR, no annual fees**, no hidden fees** and the ability to pay your way.
Read More... Visit Site

3 stars
USAA Cashback Rewards Plus American Express® Card

USAA Cashback Rewards Plus American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

3 stars
USAA Rate Advantage Platinum Visa®

USAA Rate Advantage Platinum Visa®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

3 stars
READYdebit<sup>®</sup> Visa Latte Control Prepaid Card

READYdebit® Visa Latte Control Prepaid Card

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
Read More... Visit Site

3 stars
USAA Preferred Cash Rewards Visa Signature®

USAA Preferred Cash Rewards Visa Signature®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

3 stars
Indigo® Platinum MasterCard®

Indigo® Platinum MasterCard®

Pre-qualification available with no impact to your credit score
Read More... Visit Site

Continued from above

When looking for the right no annual fee credit card, you should look at a varieyt of factors. Some of these include:

  • Line of credit. Will the no annual fee credit card's line of credit be sufficient for your spending needs?
  • Interest rates and penalties. If you plan on carrying a balance you'll want to be aware of the anticipated interest rate on your no annual fee credit card. You also need to understand what penalties exist with any credit card you consider.
  • Perks. Does the no annual fee credit card offer any other perks or benefits that you may be interested in? One credit card may stand out from another based on the incentives they offer.

TopConsumerReviews.com has reviewed and ranked the best no annual fee credit cards available today. We hope these reviews help you save money with your credit card right away!

Comparing No Annual Fee Credit Cards

When it comes to comparing no annual fee credit cards, there are a lot of different factors to take into account before narrowing down a specific credit card. Credit card companies often heavily advertise no annual fee offers. In fact, no annual fee credit cards have become the most popular credit card characteristic in marketing efforts to date. The reason is that consumers have gotten tired and leery of the unexpected annual fees that pop up when they least expect them. As such, the no annual fee credit card is a hot topic in today's credit card trends.

How to choose the best no annual fee credit card? By closely examining each different credit card offer you'll be identify which one will best meet your financial goals year in and year out.

  • No annual fee plus cash back rewards. If you are able to find and qualify for a no annual fee credit card that also offers cash back rewards you've found a good deal. This will mean you pay no out of pocket for the use of the card plus earn cash back on certain purchases. Cash back rewards may be limited to certain stores or purchase types and the payment rate may fluctuate monthly. Rewards may come in the form of a regular check in the mail or a credit to your card. Often these cards are most affordable for those that maintain little to no balance, as the interest rate can be heftier for those that don't pay off their monthly charges. They have to pay for those cash back rewards in some way, right?
  • No annual fee plus reward points. Some people love the idea of credit card rewards. When it comes to earning rewards its best when you can choose from a list of rewards you'll actually want to utilize and that don't cost you an annual fee. This is the same scenario where you need to also look at your spending to determine if you'll be maintaining a balance and how frequently you plan on using that card. Will the rewards accrue slowly? What purchases qualify for reward points? Do those reward points expire and importantly, how long is the grace period on purchases before an interest rate is charged? For those that can't realistically pay off charges as they occur, the cost of interest should be an important factor in determining the right card for you.
  • No annual fee plus low introductory interest rate. Often no annual fee credit cards come with an additional bonus of a low introductory interest rate on transferred balances. This can be a great way to save on current higher interest rate charges for balances you can't afford to pay off immediately. A question that should come to mind is how long the introductory rate will last and what will be the rate going forward. Also ask yourself how soon you can pay off that balance at the lower rate and what will be the cost once that rate increases.

Comparing, contrasting and ultimately choosing the right no annual fee credit card that's right for you is dependent on your spending trends and what balances you'll maintain. Keep a close eye on the interest rate charges that come with any offer as your desire to always pay off your monthly balance may be inhibited by unexpected life changes.

 

The Credit Card Trick That's as Easy as Picking up the Phone

If I spent $95 (total!) over the next 3 billing cycles, they'd give me a $95 statement credit (equal to the annual fee). I usually spend a few hundred dollars on the card each month anyway, so this was a no-brainer. Easy Peasy! I Spent $95 on Purchases ...

Published:  Mon, 20 Nov 2017 09:18:00 GMT



Best no annual fee credit cards

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy.

Published:  Tue, 14 Nov 2017 08:36:00 GMT



Don't Get a Credit Card Without These Perks

from no-annual-fee cards all the way up to high-end travel cards. Price protection is the best credit card feature that too few people use. With this feature, you have the confidence of knowing that if the item you buy is later advertised at a lower price ...

Published:  Sat, 18 Nov 2017 05:22:00 GMT



Best Credit Cards for Points

Read more in our full review of the Chase Sapphire Preferred®. Cardholders who have smaller spending needs may be better off with a no-annual-fee credit card like the Bank of America® Travel Rewards Credit Card. This card offers a valuable 20,000 bonus ...

Published:  Wed, 15 Nov 2017 06:15:00 GMT



The 7 Best Credit Cards For Holiday Shopping

In November and December credit card companies promote cash back cards for ... American Express offers a version of this card with no annual fee. Called the Blue Cash Everyday card, it pays 3% on groceries up to $6,000 in annual purchases and 2% at ...

Published:  Sun, 19 Nov 2017 04:07:00 GMT



WalletHub names best holiday credit cards for 2017

Try the Chase Slate card to lower the cost of your post-holiday debt. There's no annual fee and there's a zero percent intro apr on balance transfers for 15 months. Looking for bonuses Try the Kohl's credit card. If you're a new applicant, you'll get a 30 ...

Published:  Fri, 17 Nov 2017 00:00:00 GMT



Credit score: Does cancelling a credit card hurt your rating

it's more likely you'll get offered some incentive to keep the card. Another option is to ask to change to a no-annual-fee credit card. This process keeps the account exactly the same - same account number, same credit limit, same account age - it just ...

Published:  Thu, 16 Nov 2017 10:04:00 GMT



How to Apply for a Credit Card -- and Which Is the Best One for You

Once you know which kind of card is right for you, take a closer look at a few promising candidates. Here are the kinds of features to look for: No annual fee. Most credit cards don't charge an annual fee, so it's easy to avoid this fee. Note, though ...

Published:  Mon, 13 Nov 2017 15:44:00 GMT



How To Pick The Best Travel Credit Card For You [Video]

Of course, using credit cards always comes with the following warning ... While you probably think I am going to say always sign up for a card with no annual fee, I'm here to surprise you. Don't be afraid of a high annual fee. A lot of times, the ...

Published:  Mon, 13 Nov 2017 11:31:00 GMT



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