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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
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 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 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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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

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

Fingerhut Credit Account

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

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

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

Build your Credit with Fingerhut!
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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

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

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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

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

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

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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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 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

Indigo® Platinum MasterCard®

Pre-qualification available with no impact to your credit score
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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.

 

Which Credit Cards Are Made of Metal

and there is no annual fee. Other perks of the card include 2% cash back at gas stations, restaurants, and drug stores, and 1% back on all other purchases. Currently, new account holders will also get a $70 Amazon gift card immediately upon credit approval.

Published:  Tue, 15 May 2018 13:08:00 GMT



The Top Credit Card Offers In May - Limited Time Only

All the old benefits stayed the same, including first checked bag free on domestic AA flights, access to reduced mileage awards, and no foreign ... Annual Fee: $95 (waived the first year) Signing up for the CitiBusiness Platinum Select credit card will ...

Published:  Fri, 18 May 2018 08:44:00 GMT



3 Hilton credit cards are offering increased welcome bonuses of up to 125,000 points - but they're only available for a limited time

One of the fastest ways to earn points and frequent flyer miles is opening new credit cards and earning ... The Ascend comes with a $95 annual fee, but offers some solid benefits to make up for that. Instead of Silver status, like the no-fee card, the ...

Published:  Thu, 17 May 2018 16:21:00 GMT



We Found the Best Credit Cards for Renovators

The Home Depot Consumer credit card has a few things going for it: no annual fee, a yearlong return policy (other shoppers have only three months), and six months deferred interest on purchases of $299 or more. This can be helpful if you're making ...

Published:  Fri, 18 May 2018 14:40:40 GMT



You Can Get Free Money At IKEA With Its New Credit Card

IKEA just released a brand new Visa credit card that not only gives you enrollment in ... and 3% on dining, grocery, and utility purchases. Even cooler There's no annual fee. "We want to create a better everyday life for many people," said Jacqueline ...

Published:  Wed, 16 May 2018 13:54:00 GMT



Best no-annual-fee credit cards

When it comes to choosing a credit card with no annual fee, Brits are spoilt for choice. Most do not charge a fee simply for holding them. Yet they still offer plenty of top benefits, such as interest-free credit card rates on both balance transfers and ...

Published:  Thu, 10 May 2018 17:00:00 GMT



This Chase card is a no-brainer for just about anyone - it combines great rewards with no annual fee

Unlike most premium rewards cards, the Freedom Unlimited doesn't have any annual fee. That means that you don ... The Chase Freedom Unlimited is a no-brainer. If you're just starting out with credit cards and are looking for a way to earn some cash back ...

Published:  Tue, 08 May 2018 14:19:00 GMT



These Are the Best Credit Cards Now for Every Type of Traveler

Best Travel Credit Card With No Annual Fee Many of the best travel credit cards expect you to pay an annual fee-sometimes a steep one-to get their perks. But if you're an infrequent traveler, you're better off getting a travel credit card with no ...

Published:  Thu, 15 Mar 2018 05:00:00 GMT



The Best Airline Credit Card For Snagging a Quick Free Ticket

That said, even the best airline credit cards often come with annual fees. And there's no point paying a fee for credit card benefits that you don't use. Among the best perks you should look out for: free checked bags and access to airline lounges ...

Published:  Wed, 16 May 2018 12:36:43 GMT



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