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

5 Things to Know About the NASCAR Credit Card

For those with bad credit, the annual fee - $75 the first year, then $99 - is steep, especially when many cards for bad credit have no fee. The card issuer offers an optional credit protection program that cancels the minimum payment due for up to ...

Published:  Tue, 19 Jun 2018 08:18:00 GMT



Major credit card companies are cutting their perks. Here's what you need to know.

Consumers want a card that has no annual fee, offers cash back and has a low interest rate. Mike Berinato, vice president of research and consulting at Market Strategies International, expects more credit card companies to reduce their perks. Most people ...

Published:  Mon, 18 Jun 2018 13:23:00 GMT



American Express® Launches New, No Annual Fee Cash Magnet™ Card, Offering Unlimited 1.5% Cash Back

NEW YORK--(BUSINESS WIRE)--American Express (NYSE:AXP) today announced the newest addition to its cash back portfolio - the no annual fee American Express Cash ... responsibility information: charge and credit cards, business credit cards, travel ...

Published:  Thu, 14 Jun 2018 05:22:00 GMT



American Express introduces new cashback credit card to appeal to millennials

American Express AXP, -0.26% once an exclusive credit-card company only available to the biggest spenders, is making its cards even easier to get. On Thursday, the company released the American Express Cash Magnet card. It has no annual fee and pays ...

Published:  Thu, 14 Jun 2018 04:59:00 GMT



Review: Citi Rewards Platinum Visa credit card (Citibank)

There's also no annual fee in the first year ($150 thereafter), and ... the free bottle is normally one of the cheapest drops on the menu, and not worth paying credit card annual fees just to get for 'free'.

Published:  Wed, 20 Jun 2018 07:17:00 GMT



Delta's no-fee credit card earns double the SkyMiles on Lyft rides right now - and has other travel perks

However, Delta and Amex also offer a no-annual-fee card for people who want to earn Delta miles from ... It also gets you a 20% discount - in the form of a statement credit - on Delta in-flight purchases like food or drinks. For a limited time ...

Published:  Thu, 07 Jun 2018 13:23:00 GMT



The best cash back credit card if you like to keep things simple

It requires no annual fee, offers a $100 sign-up bonus and promises a 0 percent ... A third competitor, the Alliant Cash Back Visa Signature Credit Card, offers an even higher percentage: 3 percent cash back the first year on all purchases and 2.5 percent ...

Published:  Mon, 04 Jun 2018 11:14:00 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



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 option with a strong and simple rewards scheme, offering ...

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




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