#no annual fee credit cards
The 5 Best Credit Cards With No Annual Fees
Wise Bread Picks
Most average credit card users don’t need a credit card with an annual fee. Cards that come with annual fees offer higher rewards and an assortment of travel perks and shopping benefits. but if you don’t spend enough to maximize on rewards or travel enough to take advantage of the additional perks, the annual fee is an unjustifiable cost.
Choosing a card without an annual fee is much like picking any other card you need to find the one that offers the features and benefits that are best suited to how you are going to use the card. Here are the cards I would recommend to anyone looking for a credit card without an annual fee .
Discover it Miles – Double Miles your first year
A relative newcomer to the travel rewards scene, the Discover it Miles – Double Miles your first year card offers 1.5x miles on every dollar you spend on purchases. Its current sign up offer is double all the Miles you’ve earned at the end of your first year. That’s effectively 3x miles on all your purchases for one year! Redeem miles in any amount toward travel purchases (as statement credits). Or get cash directly deposited to your bank account. That’s a lot of flexibility in a rewards card. Cardholders also get up to $30 a year for in-flight Wi-Fi fees. There are no foreign transaction fees or annual fees. (See also: The Best Travel Rewards Credit Cards ).
Amex EveryDay Everyday Rewards
The Amex EveryDay Credit Card from American Express is great for those who want to earn rewards points that can be transferred to airline miles and hotel points. Cardholders earn 2x points at U.S. supermarkets (up to $6,000 each year, then 1x), and other purchases earn 1x points. Plus, make 20 or more purchases with your card in a billing period and get 20% extra points on those purchases less returns and credits. Its current sign up bonus includes 10,000 Membership Reward points after making $1,000 in purchases within the first 3 months. Terms and limitations apply. See rates fees.
Cardholders can also use Membership Rewards Pay with Points to pay for all or part of their flight, hotel booked and paid in advance, vacation or cruise booking. As an American Express card, it also includes several purchase protection and travel insurance policies.
Click here to apply for the Amex EveryDay Credit Card from American Express today!
BankAmericard Travel Rewards Credit Card Enhanced Security
When traveling internationally, credit cards can be the most secure and convenient method of payment. Unfortunately, many cards are incompatible with the latest generation of credit card readers in use around the world that require an EMV smart chip. And many of the cards that do have an EMV chip also have a 3% foreign transaction fee, an annual fee, or both. The BankAmericard Travel Rewards credit card is one of the only rewards cards that offers both an EMV smart chip along with no foreign transaction fees or annual fee. Cardholders also receive a competitive rewards program that features 1.5 points per dollar spent on purchases, and each point is worth one cent statement credit towards travel purchases.
Barclaycard Ring MasterCard Low Interest Rate
If you need to carry a credit card balance, you need a card with the lowest interest rate you can get. The Barclaycard Ring MasterCard offers a low variable APR on balance transfers and purchases, with no annual fees and no balance transfer fees. The card also features a Giveback program where members get money back for good performance. Members also vote on and discuss card benefits and features.
Citi Double Cash Simple Cash Back
The Citi Double Cash Card from our partner Citi is the no fee card for those who want to maximize the amount of cash back rewards they receive from their regular spending. Cardholders receive 1% cash back when they make a purchase, and another 1% cash back when they make a payment. For a straight cash rewards credit card, it’s one of the best available when it comes to getting cash back for all your purchases (not just the ones in bonus categories). (See also: Best Cash Back Credit Cards )
Click here to apply for the Citi Double Cash Card today!
Chase Slate Balance Transfer
If there is a credit card designed to help people to pay off their debt, this is it. Chase Slate offers 15 months of interest free financing on both new purchases and balance transfers, and is the only 0% APR offer with $0 intro fee for balance transfers made during the first 60 days. So cardholders in debt can transfer their existing balances to this card and avoid interest without paying the 3% balance transfer fee imposed by all other credit cards with interest free promotional financing offers. There’s no penalty APR paying late won’t raise your interest rate. (All other account pricing and terms apply.) You also get a free monthly FICO score and Credit Dashboard to help keep an eye on your credit.
Slate also features Chase’s innovative Blueprint program that allows cardholders to avoid interest by paying some charges in full, while carrying a balance on others. Blueprint also includes powerful budgeting and goal setting tools to help cardholders avoid getting into debt in the first place. (See also: The Best Credit Cards With 0% Balance Transfer )
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain.