No Annual Fee Credit Card Reviews

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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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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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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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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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Indigo® Unsecured MasterCard®

No security deposit required

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Indigo® Unsecured MasterCard®

No security deposit required

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Indigo® MasterCard®

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

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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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Fingerhut Credit Account

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

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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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Indigo® MasterCard®

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

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

Build your Credit with Fingerhut!

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

Build your Credit with Fingerhut!

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

AchieveCard Visa® Prepaid Card

Get paid faster than a paper check

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READYdebit® Visa Mint Control Prepaid Card

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

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Gettington Credit

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

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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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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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READYdebit® Visa Latte Control Prepaid Card

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

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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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Indigo® Platinum MasterCard®

Pre-qualification available with no impact to your credit score

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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:

  • 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.

 



No Annual Fee Credit Cards In The News

Make Your Credit Cards More Rewarding

Who Switches Credit Cards I'm hardly alone ... That's twice the typical reward on cash back cards, and this card has no annual fee. You won't be charged interest on balance transfers for up to 18 months, but you will pay a fee of $5 or 3% of the ...

Published:  Wed, 21 Feb 2018 09:15:00 GMT



Fear of Credit Card Fees Could Cost You Big Rewards

The right move could literally change your lifestyle. It's no secret that the most desirable credit cards usually come with annual fees, but there's another requirement that needs your attention: your credit rating. Most high-end cards list "good" to ...

Published:  Sat, 10 Feb 2018 04:20:00 GMT



The 4 Best Credit Cards for Anyone Who Loves to Travel

The company is still a mammoth and introduced its own credit card to capitalize. Highlights include no annual fee; no foreign transaction fee; 4% back on dining; 3% back on hotels and airfare; 2% back on all online purchases; 1% back on everything else.

Published:  Fri, 16 Feb 2018 00:00:00 GMT



Best Rewards Credit Cards: Double miles, 5% cash, and more - February 2018

and we've combed through our database to hand pick the very best rewards credit cards, most with no annual fee. If you're just looking for one card to earn cash rewards, your best bet is to use our calculator to get a personalized recommendation based ...

Published:  Sun, 18 Feb 2018 03:22:00 GMT



Should You Use Credit Cards to Pay Off Student Loans

You can easily find cards that charge no interest during the promotional period ... it's a good idea to keep your new credit card, so long as it doesn't charge an annual fee. Opening and closing cards too often can have an impact on your credit ...

Published:  Tue, 20 Feb 2018 00:00:00 GMT



Best Credit Card Concierge Service

When you're in the market for a credit card, you probably check out features such as its annual fee ... There is no cost to you for services a concierge performs on your behalf, although you are responsible for any purchases, fees and/or shipping charges ...

Published:  Tue, 20 Feb 2018 08:01:00 GMT



Changes are coming to balance transfer credit cards

Also, you won't be doing yourself any favors by going with a card that charges an annual fee. Balance transfer APR ... which is how much of your available credit you use. As a general rule, you should use no more than 30% of your available credit.

Published:  Mon, 12 Feb 2018 09:35:16 GMT



Credit card rewards take the sting out of a starter budget

Rewards earned on credit cards offer some financial breathing room, and they don't necessarily have to cost you. Sign-up bonuses earned on cards with no annual fees, for example, are often worth $150 or $200. If those rewards come in the form of cash back ...

Published:  Fri, 09 Feb 2018 14:22:00 GMT




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