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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

2018

No Annual Fee Credit Card Reviews

5 stars

Visit Site 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.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

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4 stars

Visit Site 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.
  • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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4 stars

Visit Site 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.
  • Earn 2,500 Bonus Points after your first purchase and earn 2X points per dollar spent on gas and grocery purchases all the time.
  • No caps or limits on the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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4 stars

Visit Site 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.
  • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site Indigo® Unsecured MasterCard®

  • No security deposit required
  • Card designs to fit your personality at no extra charge
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Account history is reported to the three major credit bureaus in the U.S.
  • Pre-qualify for a card today and it will not impact your credit score
  • Accepted nationwide wherever MasterCard is accepted
  • Fast and easy decision on your application
  • Protection from fraud, if your card happens to be lost or stolen

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3 stars

Visit Site Indigo® Unsecured MasterCard®

  • No security deposit required
  • Card designs to fit your personality at no extra charge
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Account history is reported to the three major credit bureaus in the U.S.
  • Pre-qualify for a card today and it will not impact your credit score
  • Accepted nationwide wherever MasterCard is accepted
  • Fast and easy decision on your application
  • Protection from fraud, if your card happens to be lost or stolen

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3 stars

Visit Site Indigo® MasterCard®

  • Account history is reported to the three major credit bureaus in the U.S.
  • An opportunity to build and access credit
  • Choose your custom card design - Free
  • Unsecured credit card, no security deposit required
  • Quick pre-qualification available with no impact to your credit score
  • Online servicing available 24/7 at no additional cost
  • Mobile account access at any time

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3 stars

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

  • Build your Credit with Fingerhut!
  • Shop Great Brands.
  • Are you pre-approved for Fingerhut Credit? Enter your name and address and find out now.
  • Apply for Fingerhut Credit today. Fill out our easy online application.

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3 stars

Visit Site Fingerhut Credit Account

  • Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments1 with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC111
  • 1If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit

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3 stars

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

  • Build your Credit with Fingerhut!
  • Shop Great Brands.
  • With a WebBank/FingerHut Credit Account, buy favorite brands with low payments.*
  • Apply for Fingerhut Credit today. Fill out our easy online application.

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3 stars

Visit Site Indigo® MasterCard®

  • Account history is reported to the three major credit bureaus in the U.S.
  • An opportunity to build and access credit
  • Choose your custom card design - Free
  • Unsecured credit card, no security deposit required
  • Quick pre-qualification available with no impact to your credit score
  • Online servicing available 24/7 at no additional cost
  • Mobile account access at any time

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3 stars

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

  • Build your Credit with Fingerhut!
  • Shop Great Brands.
  • With a WebBank/FingerHut Credit Account, buy favorite brands with low payments.*
  • Apply for Fingerhut Credit today. Fill out our easy online application.

Visit Site

3 stars

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

  • Build your Credit with Fingerhut!
  • Shop Great Brands.
  • Find out instantly if you're pre-approved with Fingerhut Credit.
  • Apply for Fingerhut Credit today. Fill out our easy online application.

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3 stars

Visit Site 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.
  • Special Offer: 0% Intro APR for 12 months on balance transfers that post within the first three months. After 12 months, the 11.40% to 26.40% variable regular APR will apply.
  • Show your military pride while supporting the affiliate group of your choice.
  • Get 2,500 bonus points after you make your first purchase.
  • Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
  • No annual fee and no minimum finance charge.

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3 stars

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

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3 stars

Visit Site AchieveCard Visa® Prepaid Card

  • Get paid faster than a paper check
  • Quick and easy sign up
  • No minimum balance
  • Online banking and SMS alerts
  • Shop online, pay bills, and make everyday purchases
  • Send paper checks with Online Bill Pay - we print & mail them for free!
  • Exclusive AchieveRewards Loyalty Program

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3 stars

Visit Site READYdebit® Visa Mint Control Prepaid Card

  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • Free† Direct Deposit
  • No Credit Check or ChexSystems Checks
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

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3 stars

Visit Site Gettington Credit

  • Features a low APR, no annual fees**, no hidden fees** and the ability to pay your way.
  • When you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
  • Plus, Gettington Credit customers get exclusive offers, sales and promotions.

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3 stars

Visit Site 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.
  • Earn 5% cash back at gas stations & qualifying commissaries on up to 3,000 in annual purchases.
  • Earn 2% cash back on groceries from supermarkets on up to 3,000 in annual purchases.
  • Earn 1% cash back on all other purchases.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site 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.
  • No annual fee: And avoid fine-print fees - no over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Variable rates starting at 7.40% on purchases, balance transfers and cash advances. It's the same low rate for all transactions.
  • Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site READYdebit® Visa Latte Control Prepaid Card

  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check or ChexSystems Checks
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Free† Direct Deposit
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

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3 stars

Visit Site 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.
  • Earn 1.5% cash back on every purchase.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site Indigo® Platinum MasterCard®

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!

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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.

 

The best easy, no-fee travel credit card

If you want a travel card that will help you rack up points without the headache of spending categories or annual fees, look no further. In a recent analysis of the best travel credit cards, CNBC Make ...

Published:  Fri, 13 Jul 2018 10:30:00 GMT



Credit card reward schemes are now much less rewarding

For no extra cost, spending on these cards earned their owner ... As well as cutting back their reward schemes, banks also have been busily jacking up their annual credit card fees, by 4.5 per cent in ...

Published:  Mon, 02 Jul 2018 19:04:00 GMT



Building your two-card Westpac, American Express credit card combo

While Westpac no longer issues its own American Express cards ... with its own online banking, card statements, annual fee, credit limit and qualification rules. Let's say you select Altitude Rewards ...

Published:  Tue, 10 Jul 2018 07:13:00 GMT



Paying more for your credit card You can bank on it

Credit card fees rose by 6.7pc last year compared with a 3.6pc rise in fees across all bank products Banks have been raising or reintroducing annual fees on many credit cards Small business loan fees ...

Published:  Thu, 21 Jun 2018 19:31:00 GMT



This Is the Best Rewards Credit Card Out There-With a Sign-Up Bonus Worth Up to $750

There are plenty of perfectly good credit cards on the market that charge no annual fees. And the average card's annual fee was a mere $15.75 at the end of last year, according to WalletHub. So at fir...

Published:  Wed, 13 Jun 2018 10:23:00 GMT



Chase just announced a new business card with no annual fee, and it's a no-brainer for small business owners and freelancers

In the credit cards rewards war, Chase has made some major moves over ... That's because, in addition to earning rewards quickly, it has no annual fee. The Ink Business Unlimited card is a solid optio...

Published:  Tue, 29 May 2018 00:13:00 GMT



The 5 best 'no foreign transaction fee' credit cards that will save you money on international trips

The US version of the card has no foreign transaction fees and earns 5x points ... when you spend $5,000 in the first three months. You'll also get an annual $200 airline fee credit, up to $200 of cre...

Published:  Sat, 21 Apr 2018 16:29:00 GMT



An Easy Way to Compare Annual Fee & No Annual Fee Credit Cards

They say you get what you pay for, but does that hold true for credit cards Some people refuse to pay an annual fee just to have a credit card while others pay annual fees for a credit card that they ...

Published:  Mon, 20 Jun 2016 05:43:00 GMT



6 No-Annual-Fee Credit Cards for New Grads

Spring is always a time for new beginnings, especially when you are graduating from college. New college graduates are about to begin the rest of their lives, and it's often a time for them to make im...

Published:  Mon, 06 Jun 2016 02:41:00 GMT



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