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2019

No Annual Fee Credit Card Reviews

What are the best No Annual Fee Credit Cards? 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.

The Best No Annual Fee Credit Cards

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.

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.

The Best No Annual Fee Credit Cards

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.

 

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Published:  Sun, 21 Apr 2019 04:07:00 GMT



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... travel cards is as high as that charged by credit cards. It's usually in the range of 36-45% and unless you opt for a no-frills card, you would also have to pay a joining fee with an additional ...

Published:  Mon, 22 Apr 2019 03:19:00 GMT



8 Credit Cards To Get If You Love Free Money

Tap to play or pause GIF Tap to play or pause GIF 2 Broke Girls All of the following credit cards have NO ANNUAL FEE and cost nothing if you are a responsible credit card user. The example budgets and ...

Published:  Sat, 20 Apr 2019 07:06:00 GMT



Lower credit card rates, waived fees & extended limits there for the asking, survey shows

"The worst thing that can happen is they say "No,' " she's told ... it comes to many things, including credit cards and waived or reduced annual fees, increased credit limits and waived ...

Published:  Wed, 17 Apr 2019 04:02:00 GMT



3 reasons the Chase Sapphire Preferred is the right credit card to help me see the world

At the time, I was earning limited cash back on a Chase credit card I no longer remember, which was intoxicating ... and 1 point per $1 spent on other purchases. There is a $95 annual fee for the card ...

Published:  Sun, 21 Apr 2019 09:30:00 GMT



Can You Get Out of Your Credit Card's Annual Fee?

I love the rewards and perks they offer, but I hate the annual fees. While credit card annual fees can be worth the money, no one likes paying them. The good news is that you don't always have to, as ...

Published:  Mon, 01 Apr 2019 05:06:00 GMT



The best no-fee credit card, according to The Points Guy

You can build up valuable travel points with the no-annual-fee card, and then, he says, if you switch cards, you're going to be able to "upgrade those points to get as much value out of them as ...

Published:  Thu, 04 Apr 2019 12:42:00 GMT



How Apple Card Stacks Up Against Other No-Annual-Fee Credit Cards

Promising lenient payment terms, low interest rates, and no fees, the new Apple Card seeks to be a revolutionary credit card for the rest of us. But many of its features aren't actually new but an ...

Published:  Tue, 26 Mar 2019 11:06:00 GMT



How Apple Card Stacks Up Against Other No-Annual-Fee Credit Cards

Citi Double Cash and Fidelity Rewards also offer 2 percent cash back on every purchase with no annual fee. The Apple Card is better in some respects, but worse in one key way. Promising lenient ...

Published:  Tue, 26 Mar 2019 08:15:00 GMT



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