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Best No Annual Fee Credit Cards

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.

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: 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.


No Annual Fee Credit Cards In The News

Best Low Interest Credit Cards

This card offers one of the biggest cash sign-up bonuses we've come across for a no-annual-fee credit card, along with the versatility of unlimited 1.5% cash back. One of the few remaining balance-tra...

Published:  Sat, 16 Feb 2019 04:46:00 GMT

Is small business credit card interest tax-deductible

... the ones with excellent credit - because it gives you the opportunity to apply for credit cards that come with better rewards. Instead of the no-annual-fee Capital OneĀ® SparkĀ® Cash Select for Busi...

Published:  Mon, 18 Feb 2019 08:42:00 GMT

Credit Card Merchant Fee Hikes Could Mean Higher Prices for Everyone

That means no matter how consumers pay-credit card, check, or cash-they still are charged for the fee hikes ... Visa's 2018 annual report shows revenue of $20.6 billion and net income ...

Published:  Fri, 15 Feb 2019 13:33:00 GMT

9 reasons you shouldn't automatically ignore a credit card just because it has an annual fee

Credit cards that offer huge welcome bonuses - think 50,000-100,000 points or more just for signing up and meeting a minimum spending requirement - are pretty much guaranteed to have an annual fee. Th...

Published:  Mon, 11 Feb 2019 08:54:00 GMT

Marriott is offering a 100,000-point welcome bonus for its new luxury credit card - which could help justify the $450 annual fee

Different-tiered Marriott cards offer free nights with a lower certificate value. Perks and benefits of the Bonvoy Brilliant AmEx The awards rate on this card alone may not justify a $450 annual fee. ...

Published:  Wed, 13 Feb 2019 10:06:37 GMT

Do wealthy people use credit cards differently

There are even rewards cards which do not charge an annual fee, thereby making them even more appealing ... could help you take another step towards joining the "wealthy" yourself. No matter what kind ...

Published:  Tue, 19 Feb 2019 03:10:00 GMT

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