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      December 15, 2018

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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

2018

No Annual Fee Credit Card Reviews

5 stars
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.
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4 stars

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.
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4 stars

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.
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4 stars

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.
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3 stars

Indigo® Platinum MasterCard®

Pre-qualification available with no impact to your credit score
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3 stars

READYdebit® Visa Latte Control Prepaid Card

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
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3 stars

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

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.
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3 stars

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.
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3 stars

AchieveCard Visa® Prepaid Card

Get paid faster than a paper check
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3 stars

READYdebit® Visa Mint Control Prepaid Card

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
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3 stars

Fingerhut Credit Account

Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
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3 stars

Indigo® MasterCard®

Account history is reported to the three major credit bureaus in the U.S.
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3 stars

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

Build your Credit with Fingerhut!
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3 stars

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

Build your Credit with Fingerhut!
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3 stars

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

Build your Credit with Fingerhut!
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3 stars

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

Build your Credit with Fingerhut!
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3 stars

Gettington Credit

Features a low APR, no annual fees**, no hidden fees** and the ability to pay your way.
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3 stars

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

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3 stars

Indigo® Unsecured MasterCard®

No security deposit required
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3 stars

Indigo® Unsecured MasterCard®

No security deposit required
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3 stars

Indigo® MasterCard®

Account history is reported to the three major credit bureaus in the U.S.
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3 stars

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.
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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.

 

Discover's no-fee travel credit card matches all of your miles in the first year for an unbeatable 3% across the board

For those who enjoy centralizing purchases to one card, a 3% back shopping spree for 12 months could be a great deal, especially as there is no annual fee, and 0% APR for the first 14 months; then a v...

Published:  Tue, 11 Dec 2018 08:13:00 GMT



This Credit Card Has No Annual Fee and Gives 3% Cash Back on Dining. Here's Why It's the Best of 2018

For a lot of people out there, the idea of paying an annual fee just to be allowed to spend money seems absurd. While annual fee credit cards can be cost-effective, we know there are plenty of you who ...

Published:  Mon, 24 Sep 2018 03:16:00 GMT



No annual fee credit cards

If you are after a new credit card or looking to switch cards you might be wondering why you'd opt for a card that charges fees over one that doesn't If only the credit card world was that simple. Lu...

Published:  Thu, 06 Sep 2018 17:31:00 GMT



Wells Fargo Boosts Credit Card Rewards to Better Compete for Travelers

Wells Fargo is just the 7th-largest credit-card issuer, according to the industry publication Nilson Report. "No annual fee is, in our mind, a market-maker," Beverly Anderson, Wells Fargo's head of ca...

Published:  Mon, 25 Jun 2018 10:10:00 GMT



The AmEx Platinum is available to active duty servicemembers at no annual fee - but even with the fee, the credit card is a great value

The Insider Picks team writes about stuff we think you'll like. Business Insider may receive a commission from The Points Guy Affiliate Network. The Platinum Card from American Express has one of the ...

Published:  Tue, 13 Nov 2018 09:11:00 GMT



The AmEx Platinum is available to active duty servicemembers at no annual fee - but even with the fee, the credit card is a great value

The Platinum Card from American Express has one of the highest annual fees of any consumer credit card - a staggering $550 each year, starting when your first billing statement hits. However, the card ...

Published:  Sun, 09 Sep 2018 09:47:00 GMT



Discover Introduces No Annual Fee Business Credit Card with Unlimited 1.5 Percent Cashback Rewards on All Purchases

Discover today announced the launch of the Discover it ® Business credit card, the latest addition to the Discover it family of credit cards. The new card offers unlimited 1.5 percent cash back on all ...

Published:  Wed, 12 Sep 2018 04:17:00 GMT



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