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Best No Annual Fee Credit Cards of 2018

Jennifer Blocker
Updated on: 01/03/2018

The easiest way to get the most value out of the rewards you earn with your credit card is to avoid paying fees and interest. With the plethora of rewards credit cards on the market that do not charge an annual fee, there are more options than ever. However, avoiding interest will be up to you. All credit cards have a grace period of 21 days after a statement is issued to pay your bill. Pay within that timeframe to avoid interest and maximize your rewards. To find the best no annual fee credit card, be sure to consider reward rates and bonuses in conjunction with your spending habits.

8 Top Rated Credit Cards Without an Annual Fee

To pay or not to pay? That is the question. Although paying an annual fee can get you increased benefits and rewards, no annual fee cards should not be underestimated when it comes to rewards and perks. There is no better way to maximize the value of your rewards than to keep your out-of-pocket costs down. One of the easiest ways to do this is with a no-fee credit card. However, to get the best no annual fee rewards cards you will need good or excellent credit. Even if your credit is good, no-fee cards can be an asset to your credit health.

Barclaycard CashForward™ World Mastercard®
Raiting: 90/100

Barclaycard CashForward™ World Mastercard®
How to Apply

To apply for this offer please contact
Barclaycard

Intro APR on Purchases
0% introductory APR for the first fifteen billing cycles after the account is opened
Intro APR on Balance Transfers
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
Regular APR
15.99% to 25.99% Variable±
Annual Fee
$0
Rewards Program
Barclaycard CashForward™ Rewards
Bonuses & Rewards
  • %1.5% on Travel, Dining and Car Rental
  • %1.5% on Gas
  • %1.5% on Hotels
  • %1.5% on All Other Purchases
  • $200 cash rewards bonus after you spend $1,000 in the first 90 days
    • 5% cash rewards redemption bonus to use toward your next redemption
  • 3% fee of each foreign transaction in U.S. dollars
  • %$5 or 3% balance transfer fee

Featured Benefits

Foreign Transaction Fee:

3% of each transaction in U.S. dollars.

Why should you get this card?

  • Great Earning Potential: Every purchase you make generates a 1.5% return at any merchant or service provider. Not that many no-fee cards can beat that earning on all transactions.
  • Sign-Up Bonus: Spending just $1,000 on this card in the first 3 days of account opening will earn you a $0bonus, which is excellent for a no-fee card. Most other cards with this earning potential offer a smaller bonus or no bonus at all.
  • No Annual Fee: Holding a card long term increases the average age of your accounts, and not paying for a card makes it easy to keep. Not to mention, earning cashback rewards doesn’t cost a dime.
  • Double Points: Redemptions start at $50 and can be applied toward a statement credit, gift cards or a deposit into a checking or savings bank account.

Our Expert's Conclusion

The Barclaycard CashForward World MasterCard is a solid option for someone who’s not too invested in travel rewards and is looking for a no-fuss cashback credit card. You’ll earn $200 just for spending $1,000 in the first 90 days and continue to earn 1.5 points on all purchases, no matter the purchase category or time of year.

This is also a good option for those who cannot qualify for a Chase card because they’ve opened five or more credit cards in the last 24 months. If you fall into that camp, the competitive Chase Freedom Unlimited card is out of reach.

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening.
  • Earn unlimited 1.5% cash rewards on every purchase.
  • Every time you redeem get a 5% cash rewards redemption bonus to use toward your next redemption.
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards.
  • Cash rewards do not expire.
  • Free online FICO® Credit Score.
  • Chip card technology.
  • Mastercard travel assistance services.

Discover it® - Cashback Match™
Raiting: 96/100

Discover it® - Cashback Match™
How to Apply

To apply for this offer please contact
Discover Bank

Intro APR on Purchases
0% intro APR for 14 months from date of account opening
Intro APR on Balance Transfers
0% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2018
Regular APR
12.24% to 24.24% Variable±
Annual Fee
$0
Rewards Program
Cashback Bonus®
Bonuses & Rewards
  • %5% in rotating categories each quarter like Gas, Dining, Amazon.com, Wholesale Clubs and more
  • %1% on Travel
  • %1% on Groceries
  • %1% on All Other Purchases
  • Up to 5% cash back offer

    • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year
  • No Foreign Transaction Fee
  • %3% balance transfer fee

Featured Benefits

No Foreign Transaction Fee:

You won’t be hit with any additional fees for using your Discover card while traveling internationally.

Why should you get this card?

  • Cashback Match: After your first year, Discover will double all of the cash back you earned with no cap!
  • Good Earning Potential: The Discover it card earns 5% back on quarterly rotating categories that include things like dining and gas stations, and 1% back on all other purchases.
  • Hassle-Free Redemptions: Your cash back is worth what you think it is, and there are no minimums or category restrictions to your redemptions.
  • No Annual Fee: You’ll never have to pay anything for this card. That means all the rewards you earn are essentially free. How can you beat that?

Our Expert's Conclusion

Discover it is a solid credit card that should be in just about everybody’s wallet. The card offers a great five percent return on categories that rotate quarterly, and one percent back on all other purchases. The first year as a cardholder can be really good for your bank account because all the rewards you earn will be doubled by Discover, with no limit!

In addition to being a great everyday earner, the Discover it card doesn’t have an annual fee and doesn’t charge foreign transaction fees if you want to use the card abroad. Redeeming cash back is super simple with no minimum redemption amount and no restrictions about what you can use the cash back for.

  • Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • 1% cash back on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.
  • Redeem your rewards for cash in any amount, anytime.
  • Your cash back never expires.
  • $0 Fraud Liability.
  • No foreign transaction fee.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.

Discover it® Miles Card
Raiting: 95/100

Discover it® Miles Card
How to Apply

To apply for this offer please contact
Discover Bank

Intro APR on Purchases
0% intro APR for 14 months from date of account opening
Intro APR on Balance Transfers
10.99% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by April 10, 2018
Regular APR
12.24% to 24.24% Variable±
Annual Fee
$0
Rewards Program
Discover it® Miles Rewards
Bonuses & Rewards
  • 1.5Miles on Airfare Purchases
  • 1.5Miles on Hotels
  • 1.5Miles on Gas
  • 1.5Miles on All Other Purchases
  • Unlimited 1.5X rewards on every purchase offer

    • Miles earned are matched at the end of the first year of cardmembership
    • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement
  • No Foreign Transaction Fee

Featured Benefits

$30 In-Flight Wi-Fi Access

You will be reimbursed for up to $30 in purchases of wireless internet access on an aircraft per anniversary year. The statement credit will be issued for the purchase amount in U.S. dollars within seven business days.

No Foreign Transaction Fees

The Discover miles card does not charge foreign transaction fees so you can rest easy when you are abroad.

Why should you get this card?

  • Great Earning Potential: You always earn 1.5 miles per dollar spent, which equates to 1.5 percent cash back. Don’t settle for 1 percent! The Discover it Miles card is better.
  • Miles Can be Redeemed for Anything: You don’t have to wait until you have travel coming up to use your miles. Even though the Discover it Miles card earns Miles, it is a cash back card.
  • Miles Doubled for the First Year: At the end of your first year as a card member, Discover will match all of the miles you’ve earned!
  • $30 in Annual Wi-Fi Credits: Next time you have a long flight you can purchase Wi-Fi and have Discover cover the cost up to $30 per year.

Our Expert's Conclusion

The Discover it Miles card is wonderful for two types of people. The first, and most obvious, is for someone looking for a single credit card that’s easy to use and that can do it all. The Discover it Miles card is a great option because it earns 1.5 miles per dollar spent on all purchases and redemptions areone cent per mile toward any purchase. Plus thereare a couple of other nice benefits, like $30 in annual Wi-Fi credits and no foreign transaction fees. As a no-fee card, all of that is essentially free.

The second type of person that the Discover it Miles card is a great option for is someone who is looking to truly maximize rewards. The Discover it is basically a no-brainer for the first year because all miles are doubled , meaning that it effectively earns 3 miles per dollar spent (1.5 when you purchase and 1.5 at the end of the year). After the first year it deserves a spot in the wallet of someone who wants to maximize rewards for purchases not included in the bonus earning categories of their other rewards credit cards.

  • Get unlimited 1.5x Miles on every dollar you spend on purchases.
  • No annual fee.
  • We'll match all the Miles you've earned at the end of your first year (new cardmembers only). For example, 30,000 Miles turns to 60,000 Miles.
  • No blackout dates. Fly any airline, any time.
  • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement.
  • Freeze ItSM on/off switch for your account.
  • Keep tabs on your FICO® Score.
  • You can always count on 100% US-based customer service, anytime. We will not waste your time selling you other products when you call us.
  • Your Miles never expire.

VentureOne® from Capital One®
Raiting: 93/100

VentureOne® from Capital One®
How to Apply

To apply for this offer please contact
Capital One®

Intro APR on Purchases
0% introductory APR for the first 12 months that your account is open
Intro APR on Balance Transfers
N/A
Regular APR
13.24% to 23.24% Variable±
Annual Fee
$0
Rewards Program
Venture® Rewards
Bonuses & Rewards
  • 1.25Miles on Travel, Dining and Car Rental
  • 1.25Miles on Gas
  • 1.25Miles on Hotels
  • 1.25Miles on All Other Purchases
  • 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months.
  • No Foreign Transaction Fee
  • +No cap to the amount of rewards you can earn

Featured Benefits

Travel Upgrades and Savings:

Free upgrades and discounts at select hotels and resorts are part of the Visa Signature card benefits.

Complimentary Concierge Service:

Enjoy free assistance 24-hours a day, even while you’re traveling.

No Foreign Transaction Fee:

Use your card anywhere in the world and never pay additional fees.

Why should you get this card?

  • Great Earning Potential: You’ll get bonus points for every purchase you make. No matter what you buy, you’ll earn 1.25 miles for every dollar spent. Those miles will add up fast.
  • Hassle-Free Redemptions: Miles can be applied to any travel purchases, not just airfare. On top of that, you don’t have to worry about blackout dates or limited award space because you buy the travel you want and then apply miles to the purchase.
  • No Annual Fee: It’s hard to be a rewards card that does not charge an annual fee. Every reward you earn is essentially free!
  • Sign-Up Bonus: For a no-fee card, 20,000 miles is an excellent sign-up bonus. It’s worth $200 in travel. All you have to do is spend $1,000 during the first three months you have the card.

Our Expert's Conclusion

If you’re looking for a no-fee rewards card that offers a solid sign-up bonus and hassle-free redemptions, than the the VentureOne card from Capital One is a great option. You’ll get 20,000 miles worth $200 for spending just $1,000 in 90 days, plus you’ll earn a generous 1.25 miles per dollar for every purchase.

Getting the card is a risk-free proposition because it won’t cost you a penny. Whatever miles you earn with the card are pure profit because there aren’t any fees. You can even use the card while traveling internationally, since there are no foreign transaction fees either.

  • One-time bonus of 20,000 miles—equal to $200 in travel—once you spend $1,000 on purchases within the first 3 months.
  • Earn unlimited 1.25X miles—that's 1.25 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
  • Use your VentureOne® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
  • Annual Fee $0.
  • Once you make a travel purchase with VentureOne, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
  • No foreign transaction fees.
  • You're covered by $0 Fraud Liability if your card is ever lost or stolen.
  • Get 10% off thousands of hotels on HotelTonight through January 2017.

Quicksilver® Cash Rewards Credit Card
Raiting: 93/100

Quicksilver® Cash Rewards Credit Card
How to Apply

To apply for this offer please contact
Capital One®

Intro APR on Purchases
0% introductory APR for the first 9 months that your account is open
Intro APR on Balance Transfers
0% introductory APR for the first 9 months that your account is open
Regular APR
14.24% to 24.24% Variable±
Annual Fee
$0
Rewards Program
Capital One® Cash Back Rewards
Bonuses & Rewards
  • %1.5% on Travel, Dining and Car Rental
  • %1.5% on Gas
  • %1.5% on Hotels
  • %1.5% on All Other Purchases
  • $150 bonus once you spend $500 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • %3% balance transfer fee on the amounts transferred within the first 9 months

Featured Benefits

Travel Upgrades and Savings:

With your access to the Luxury Hotels & Resorts program, you can enjoy complimentary room upgrades, early check in and late checkout, subject to availability.

Travel Protection:

Get reimbursed up to $1,500 per trip for non-refundable travel costs if your trip is canceled or ends early.

Wi-Fi:

Only A-List Preferred status members get inflight Wi-Fi at no charge.

Why should you get this card?

  • Great Earning Potential: For every purchase you make you’ll earn 1.5% cash back. It doesn’t get any easier than that!
  • Hassle-Free Redemptions: You can redeem your cashback at any time with no minimums! You’ll either get a statement credit or a check in the mail—whatever works for you.
  • Great Sign-Up Bonus: This card comes with a sign-up bonus of $150 after spending only $500 within the first 3 months. After a few cell phone payments and trips to the grocery store, you’ll have a cool $150 very quickly!
  • No Annual Fee: No matter how you use your card, you won’t pay an annual fee. You don’t have to worry about paying a hefty annual fee and all the rewards are all yours.

Our Expert's Conclusion

Capital One’s Quicksilver card is a great card for earning cash back. If you want to simplify your wallet and you value cash more than miles and points, this is the card for you. Since you can earn 1.5 percent back on every single purchase you make and never pay an annual fee, you can earn some serious cash on everyday purchases, big ticket items, all types of travel or whatever else you choose.

Again, since this card has no annual fee, there’s little downside to the Quicksilver credit card. Yet, it still comes with the elevated MasterCard World Elite protections. As far as travel cards go, this is not a premium card that helps earn status, free checked bags or lounge access, but if you’re an occasional traveler or prefer to fly economy, this card is still a good bet. The cashback you earn can be used toward travel or any other purchase you make. Flexibility makes this a great card.

  • Earn a one-time bonus of $150 once you spend $500 on purchases within the first 3 months.
  • Earn unlimited 1.5% cash back on every purchase.
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime.
  • No foreign transaction fees.
  • Fraud coverage.
  • Security Alerts.
  • Extended warranty.
  • Complimentary concierge service.
  • Identity Theft resolution services.
  • Travel upgrades and savings.
  • Travel protection.
  • Price protection.

Citi ThankYou® Preferred Card
Raiting: 91/100

Citi ThankYou® Preferred Card
How to Apply

To apply for this offer please contact
Citibank

Intro APR on Purchases
0% introductory APR for 15 months from date of account opening
Intro APR on Balance Transfers
0% introductory APR for 15 months from date of first transfer when transfers are completed within 4 months from date of account opening
Regular APR
14.74% to 24.74% Variable±
Annual Fee
$0
Rewards Program
ThankYou®
Bonuses & Rewards
  • 2xPoints on Dining and Entertainment
  • 1xPoints on Gas
  • 1xPoints on Travel
  • 1xPoints on All Other Purchases
  • 3% of each purchase transaction in US dollars

Featured Benefits

Citi Private Pass:

Get special access to tickets to many concerts, sporting events, dining experiences and more, including presale and VIP packages.

Foreign Transaction Fee:

You’ll pay a 3% fee for each transaction not in U.S. dollars.

Citi Concierge:

Specially-trained staff members are ready to help you with travel, shopping, dining, entertainment and everyday needs.

Why should you get this card?

  • Great Earning Potential: You’ll get bonus points on all purchases in the dining and entertainment categories. Before you know it, you’ll have a stash of points after a few nights out on the town.
  • No Annual Fees: Earning rewards is fast, easy and costs nothing. They say that nothing in this world is free, except cheese in a mouse trap… and, apparently, ThankYou points.
  • 0% APR on Balance Transfers and Purchases for 12 months: Although I do not recommend opening a new credit card while carrying debt, it’s nice to have the option to consolidate balances and pay them off within a year with no interest.
  • Points Don’t Expire: There’s no limit to the number of points you can earn, and points don’t expire as long as the card is open. No annual fees make holding on to this card a no-brainer.

Our Expert's Conclusion

If you’re looking for a credit card that has no annual fee and earns bonus points in multiple categories, then the Citi ThankYou Preferred card is a good option. It’s also a great card for someone who wants to start earning rewards but is intimidated by complicated redemption options and point transfers.

Applying for this card costs nothing and you won’t pay a dime to keep it year after year. There’s absolutely no risk for the cardholder. Earning points means rewards at no cost.

  • 2x ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1x ThankYou® Point per $1 spent on other purchases.
  • Points do not expire and earn unlimited ThankYou® Points.
  • Redeem ThankYou Points for almost anything, from a large selection of gift cards including dining, entertainment and retail — to an amazing selection of valuable rewards such as electronics, travel rewards, home goods, books and media, charitable donations or even cash.
  • No annual fee.

Citi® Double Cash Card
Raiting: 94/100

Citi® Double Cash Card
How to Apply

To apply for this offer please contact
Citibank

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening
Regular APR
14.74% to 24.74% Variable±
Annual Fee
$0
Rewards Program
Citi® Double Cash Reward Program
Bonuses & Rewards
  • %2% on Travel
  • %2% on Dining
  • %2% on Gas
  • %2% on All Other Purchases
  • 3% of each foreign transaction in U.S. dollars
  • %$5 or 3% balance transfer fee

Featured Benefits

Concierge service:

Citi Concierge helps you save valuable time with a staff of specially-trained experts who are ready to assist you with your travel, shopping, dining, entertainment and everyday needs.

Foreign Transaction Fee:

3% of each purchase transaction in U.S. dollars.

Why should you get this card?

  • No Annual Fee: You’ll never have to pay anything for this card. That means all of the rewards you earn are pure bonus!
  • 2% Cash Back on Everything: You don’t need to keep track of specific categories that earn more or less cash back; everything earns 2%!
  • No Caps on Your Earning: Some credit cards that offer higher cash back have a cap on how much you can earn, but not with the Citi Double Cash.
  • Late Fee Pass: If you accidentally miss a payment, Citi has you covered and won’t charge you a late fee–but only once.

Our Expert's Conclusion

The Citi Double Cash mostly makes sense under two circumstances. The first is for someone who is seeking simplicity. Since the Double Cash card doesn’t have rotating or any other type of bonus categories to worry about, all you have to do is swipe, pay off your card and reap the benefits!

The second type of person that the Double Cash makes sense for is someone who has a few other rewards cards that cover popular purchase categories, like groceries, gas and travel, but they’re looking for a card for other purchases that otherwise would not earn a bonus. The Double Cash is a great option for that!

  • Earn Cash Back TWICE with 1% on purchases and 1% as you pay for those purchases in full or over time.
  • No caps and no Category restrictions.
  • Credit card late fee pass.
  • Citi® Private Pass®.
  • Citi Price Rewind.
  • 24 Hour fraud protection.
  • The Lost Wallet® Service.
  • Citi® Identity Theft Solutions.
  • EMV Chip Technology.
  • Trip Cancellation & Interruption Protection.
  • Worldwide Travel Accident Insurance.
  • Worldwide Car Rental Insurance.

Citi® Diamond Preferred® Card
Raiting: 99/100

Citi® Diamond Preferred® Card
How to Apply

To apply for this offer please contact
Citibank

Intro APR on Purchases
0% introductory APR for 21 months from date of account opening
Intro APR on Balance Transfers
0% introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening
Regular APR
13.99% to 23.99% Variable±
Annual Fee
$0
Rewards Program
Citi® Diamond Preferred®
Bonuses & Rewards
    • 3% of each foreign transaction in US dollars
    • %$5 or 3% balance transfer fee

    Why should you get this card?

    • Saving on Balance Transfers: Transferring balances from credit cards or other debts on which you are paying interest is a great way to save some money. However, the Citi Diamond Preferred card charges a fee of $5 or 3 percent of the balance, whichever is greater, when you conduct a balance transfer. So you should be sure the interest savings are greater than the balance transfer fee before you make this decision. In addition, balance transfers must be completed within the first four months of account opening in order to qualify for the promotional 0% APR.
    • Saving on Purchases: The savings available on new purchases are arguably the best use of the introductory 0% APR. This is because new purchases, unlike balance transfers, do not come up with an upfront fee. Therefore, you can use this feature to completely avoid interest and fees as long as you pay off the entire balance before the 21-month 0% APR period is over. You must make at least the minimum payment to maintain the promotional rate.

    Our Expert's Conclusion

    The primary benefit of the Citi Diamond Preferred card is the 21-month introductory 0% APR. This benefit is very useful for people trying to get out of debt or for people anticipating a large purchase which they would like to pay off over time without incurring interest charges.

    If you are currently paying a high interest rate on another credit card and have a considerable balance, transferring that balance to the Citi Diamond Preferred card could result in significant savings. If you are in debt, interest payments and late fees can make paying off your credit card balance seem difficult because these fees offset any potential reduction in the principal. However, making a balance transfer to a credit card with a 0% intro APR can be a successful strategy for reducing your debt.

    Since the Citi Diamond Preferred card has a 21-month 0% APR period, you can essentially take your current balance and divide by 21 to determine how much you will have to pay each month in order to pay the debt off completely before interest charges begin.

    • No Annual Fee.
    • Citi Price Rewind.
    • Citi® Private Pass®.
    • Citi® Identity Theft Solutions.
    • EMV Chip Technology.
    • Worldwide Travel Accident Insurance.
    • Extended Warranty.
    • $0 Liability on Unauthorized Charges.
    • 24/7 Customer Service.
    • Automatic Account Alerts.
    • Citi® Concierge.
    • Citi® Cards with Apple Pay®.
    • Choose your Payment Due Date.

    Compare No Annual Fee Credit Cards

    Compare all credit cards by RE® Value, which is an estimate of how much you will earn during first year of credit card use minus annual fees.

    Credit Card
    Bonuses & Rewards
    First Year Rewards
    FEES
    RE® value
    Club Carlson℠ Rewards Visa® Card

    Club Carlson℠ Rewards Visa® Card

    Bonuses & Rewards
    • 30,000 Gold Points® sign-up bonus.
    • 24,000 Gold Points® for everyday spend.
    First Year Rewards
    $205
    FEES
    -$0
    RE® value
    $205
    How to Apply

    To apply for this offer please contact
    U.S. Bank

    Norwegian Cruise Line® World Mastercard®

    Norwegian Cruise Line® World Mastercard®

    Bonuses & Rewards
    • 10,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $453
    FEES
    -$0
    RE® value
    $453
    How to Apply

    To apply for this offer please contact
    Bank of America

    More Details
    Royal Caribbean Visa Signature® Credit Card

    Royal Caribbean Visa Signature® Credit Card

    Bonuses & Rewards
    • 10,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $340
    FEES
    -$0
    RE® value
    $340
    How to Apply

    To apply for this offer please contact
    Bank of America

    More Details
    Quicksilver® Cash Rewards Credit Card

    Quicksilver® Cash Rewards Credit Card

    Bonuses & Rewards
    • $150 sign-up bonus.
    • $360 for everyday spend.
    First Year Rewards
    $510
    FEES
    -$0
    RE® value
    $510
    How to Apply

    To apply for this offer please contact
    Capital One®

    More Details
    Bank of America® Cash Rewards™ Credit Card

    Bank of America® Cash Rewards™ Credit Card

    Bonuses & Rewards
    • $150 sign-up bonus.
    • $240 for everyday spend.
    First Year Rewards
    $390
    FEES
    -$0
    RE® value
    $390
    How to Apply

    To apply for this offer please contact
    Bank of America

    More Details
    Susan G. Komen® Cash Rewards Visa® Credit Card

    Susan G. Komen® Cash Rewards Visa® Credit Card

    Bonuses & Rewards
    • $150 sign-up bonus.
    • $240 for everyday spend.
    First Year Rewards
    $390
    FEES
    -$0
    RE® value
    $390
    How to Apply

    To apply for this offer please contact
    Bank of America

    MLB™ Credit Card

    MLB™ Credit Card

    Bonuses & Rewards
    • $150 sign-up bonus.
    • $240 for everyday spend.
    First Year Rewards
    $390
    FEES
    -$0
    RE® value
    $390
    How to Apply

    To apply for this offer please contact
    Bank of America

    More Details
    World Wildlife Fund Credit Card

    World Wildlife Fund Credit Card

    Bonuses & Rewards
    • $150 sign-up bonus.
    • $240 for everyday spend.
    First Year Rewards
    $390
    FEES
    -$0
    RE® value
    $390
    How to Apply

    To apply for this offer please contact
    Bank of America

    More Details
    Discover it® Chrome Card

    Discover it® Chrome Card

    Bonuses & Rewards
    • match all the rewards at the end of first year
    • $240 for everyday spend.
    First Year Rewards
    $480
    FEES
    -$0
    RE® value
    $480
    How to Apply

    To apply for this offer please contact
    Discover Bank

    More Details
    Discover it® - Cashback Match™

    Discover it® - Cashback Match™

    Bonuses & Rewards
    • match all the rewards at the end of first year
    • $240 for everyday spend.
    First Year Rewards
    $480
    FEES
    -$0
    RE® value
    $480
    How to Apply

    To apply for this offer please contact
    Discover Bank

    More Details
    NHL® Discover it® Card

    NHL® Discover it® Card

    Bonuses & Rewards
    • match all the rewards at the end of first year
    • $240 for everyday spend.
    First Year Rewards
    $480
    FEES
    -$0
    RE® value
    $480
    How to Apply

    To apply for this offer please contact
    Discover Bank

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    U.S. Bank Cash 365™ American Express® Card

    U.S. Bank Cash 365™ American Express® Card

    Bonuses & Rewards
    • $0 sign-up bonus.
    • $480 for everyday spend.
    First Year Rewards
    $480
    FEES
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    RE® value
    $480
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    U.S. Bank Cash+™ Visa Signature® Card

    U.S. Bank Cash+™ Visa Signature® Card

    Bonuses & Rewards
    • $100 sign-up bonus.
    • $360 for everyday spend.
    First Year Rewards
    $460
    FEES
    -$0
    RE® value
    $460
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    VentureOne® from Capital One®

    VentureOne® from Capital One®

    Bonuses & Rewards
    • 20,000 miles sign-up bonus.
    • 30,000 miles for everyday spend.
    First Year Rewards
    $500
    FEES
    -$0
    RE® value
    $500
    How to Apply

    To apply for this offer please contact
    Capital One®

    More Details
    Bank of America® Travel Rewards credit card

    Bank of America® Travel Rewards credit card

    Bonuses & Rewards
    • 20,000 points sign-up bonus.
    • 36,000 points for everyday spend.
    First Year Rewards
    $560
    FEES
    -$0
    RE® value
    $560
    How to Apply

    To apply for this offer please contact
    Bank of America

    More Details
    JetBlue® MasterCard®

    JetBlue® MasterCard®

    Bonuses & Rewards
    • 10,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $571
    FEES
    -$0
    RE® value
    $571
    How to Apply

    To apply for this offer please contact
    Barclaycard

    More Details
    Hilton Honors™ Card from American Express

    Hilton Honors™ Card from American Express

    Bonuses & Rewards
    • 50,000 points sign-up bonus.
    • 72,000 points for everyday spend.
    First Year Rewards
    $390
    FEES
    -$0
    RE® value
    $390
    How to Apply

    To apply for this offer please contact
    American Express

    More Details
    Diamond Resorts International® MasterCard®

    Diamond Resorts International® MasterCard®

    Bonuses & Rewards
    • 2,500 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $198
    FEES
    -$0
    RE® value
    $198
    How to Apply

    To apply for this offer please contact
    Barclaycard

    More Details
    Wyndham Rewards® Visa® Card

    Wyndham Rewards® Visa® Card

    Bonuses & Rewards
    • 15,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $281
    FEES
    -$0
    RE® value
    $281
    How to Apply

    To apply for this offer please contact
    Barclaycard

    More Details
    Princess Cruises® Rewards Visa® Card

    Princess Cruises® Rewards Visa® Card

    Bonuses & Rewards
    • 10,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $340
    FEES
    -$0
    RE® value
    $340
    How to Apply

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    Barclaycard

    More Details
    Carnival™ World MasterCard®

    Carnival™ World MasterCard®

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    • 10,000 FunPoints® sign-up bonus.
    • 24,000 FunPoints® for everyday spend.
    First Year Rewards
    $340
    FEES
    -$0
    RE® value
    $340
    How to Apply

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    Barclaycard

    More Details
    Holland America Line Rewards Visa® Card

    Holland America Line Rewards Visa® Card

    Bonuses & Rewards
    • 5,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $290
    FEES
    -$0
    RE® value
    $290
    How to Apply

    To apply for this offer please contact
    Barclaycard

    More Details
    Blue Cash Everyday® Card from American Express

    Blue Cash Everyday® Card from American Express

    Bonuses & Rewards
    • $150 sign-up bonus.
    • $240 for everyday spend.
    First Year Rewards
    $390
    FEES
    -$0
    RE® value
    $390
    How to Apply

    To apply for this offer please contact
    American Express

    More Details
    Blue Cash® Card from American Express

    Blue Cash® Card from American Express

    Bonuses & Rewards
    • $0 sign-up bonus.
    • $240 for everyday spend.
    First Year Rewards
    $240
    FEES
    -$0
    RE® value
    $240
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    To apply for this offer please contact
    American Express

    SimplyCash® Plus Business Credit Card

    SimplyCash® Plus Business Credit Card

    Bonuses & Rewards
    • $0 sign-up bonus.
    • $240 for everyday spend.
    First Year Rewards
    $240
    FEES
    -$0
    RE® value
    $240
    How to Apply

    To apply for this offer please contact
    American Express

    More Details
    Amazon Rewards Visa Signature Card

    Amazon Rewards Visa Signature Card

    Bonuses & Rewards
    • 0 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $240
    FEES
    -$0
    RE® value
    $240
    How to Apply

    To apply for this offer please contact
    Chase Bank

    More Details
    AARP® Credit Card from Chase

    AARP® Credit Card from Chase

    Bonuses & Rewards
    • 20,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $440
    FEES
    -$0
    RE® value
    $440
    How to Apply

    To apply for this offer please contact
    Chase Bank

    More Details
    Barclaycard CashForward™ World Mastercard®

    Barclaycard CashForward™ World Mastercard®

    Bonuses & Rewards
    • $200 sign-up bonus.
    • $360 for everyday spend.
    First Year Rewards
    $560
    FEES
    -$0
    RE® value
    $560
    How to Apply

    To apply for this offer please contact
    Barclaycard

    More Details
    NFL Extra Points Credit Card

    NFL Extra Points Credit Card

    Bonuses & Rewards
    • 10,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $340
    FEES
    -$0
    RE® value
    $340
    How to Apply

    To apply for this offer please contact
    Barclaycard

    More Details
    Citi® Double Cash Card

    Citi® Double Cash Card

    Bonuses & Rewards
    • $0 sign-up bonus.
    • $480 for everyday spend.
    First Year Rewards
    $480
    FEES
    -$0
    RE® value
    $480
    How to Apply

    To apply for this offer please contact
    Citibank

    More Details
    Costco Anywhere Visa® Card by Citi

    Costco Anywhere Visa® Card by Citi

    Bonuses & Rewards
    • $0 sign-up bonus.
    • $240 for everyday spend.
    First Year Rewards
    $240
    FEES
    -$0
    RE® value
    $240
    How to Apply

    To apply for this offer please contact
    Citibank

    More Details
    Amex EveryDay® Credit Card

    Amex EveryDay® Credit Card

    Bonuses & Rewards
    • 10,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $615
    FEES
    -$0
    RE® value
    $615
    How to Apply

    To apply for this offer please contact
    American Express

    More Details
    Chase Freedom Unlimited℠

    Chase Freedom Unlimited℠

    Bonuses & Rewards
    • 15,000 points sign-up bonus.
    • 36,000 points for everyday spend.
    First Year Rewards
    $510
    FEES
    -$0
    RE® value
    $510
    How to Apply

    To apply for this offer please contact
    Chase Bank

    More Details
    Chase Freedom® Card

    Chase Freedom® Card

    Bonuses & Rewards
    • 15,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $390
    FEES
    -$0
    RE® value
    $390
    How to Apply

    To apply for this offer please contact
    Chase Bank

    More Details
    Citi ThankYou® Preferred Card

    Citi ThankYou® Preferred Card

    Bonuses & Rewards
    • 0 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $240
    FEES
    -$0
    RE® value
    $240
    How to Apply

    To apply for this offer please contact
    Citibank

    More Details
    AT&T Access Card From Citi

    AT&T Access Card From Citi

    Bonuses & Rewards
    • 10,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $340
    FEES
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    RE® value
    $340
    How to Apply

    To apply for this offer please contact
    Citibank

    More Details
    Expedia® + Card from Citi

    Expedia® + Card from Citi

    Bonuses & Rewards
    • 15,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $244
    FEES
    -$0
    RE® value
    $244
    How to Apply

    To apply for this offer please contact
    Citibank

    More Details
    Priceline Rewards™ Visa® Card

    Priceline Rewards™ Visa® Card

    Bonuses & Rewards
    • 5,000 points sign-up bonus.
    • 24,000 points for everyday spend.
    First Year Rewards
    $323
    FEES
    -$0
    RE® value
    $323
    How to Apply

    To apply for this offer please contact
    Barclaycard

    More Details
    FlexPerks® Select+ American Express® Card

    FlexPerks® Select+ American Express® Card

    Bonuses & Rewards
    • 10,000 FlexPoints® sign-up bonus.
    • 24,000 FlexPoints® for everyday spend.
    First Year Rewards
    $680
    FEES
    -$0
    RE® value
    $680
    How to Apply

    To apply for this offer please contact
    U.S. Bank

    More Details
    Discover it® Miles Card

    Discover it® Miles Card

    Bonuses & Rewards
    • match all the rewards at the end of first year
    • 36,000 miles for everyday spend.
    First Year Rewards
    $720
    FEES
    -$0
    RE® value
    $720
    How to Apply

    To apply for this offer please contact
    Discover Bank

    More Details

    Three Ways No Annual Fee Credit Cards Can Keep Your Credit Healthy

    Each facet of your credit habits will help determine your credit score. Although paying your bills on time is a major factor that usually accounts for about 35 percent your score, there are other factors that you may not have considered. For instance, how many accounts you have and how long you’ve had them can make up as much as 25 percent of your overall score. To keep your credit healthy and your score on the rise, consider the benefits of no annual fee credit cards that you may not have thought of before.

    • Way #1: Starting Your Credit Portfolio

      No annual fee cards are imperative to establish yourself in the credit arena. First, get familiar with your spending habits. Credit cards can be a great tool to help track your spending and see where your money is going. This can help you create a budget and prevent you from carrying a balance. If you know you might need to carry a balance, aim for a no annual fee credit card with a promotional 0% interest rate or an ongoing low apr.

      Keeping balances low is especially important if you have not been given a high spending limit. You never want use more than 30 percent of your credit on any card as it will negatively impact credit utilization, which is worth about a third of your credit score. When starting out in the world of credit you will probably find yourself being granted small credit limits. You may get cards with limits as low as $500. In which case, just carrying a balance of $250 can put you at 50 percent credit utilization. Having several no annual fee credit cards can keep your out-of-pocket costs down while extending your overall amount of credit. This will prevent small balances from having a big impact.

    • Way #2: Establishing Revolving Accounts

      Your credit mix is about 10 percent of your credit score. If you are trying to build your revolving accounts you should have several no fee credit cards for a solid foundation. You should have at least 11 accounts, but more than 21 is optimal. However, never apply for too many cards in a short time span. This may make you seem desperate for credit which looks risky to a bank. Also, too many hard inquiries can drop your credit score.

      If you have 22 or more long term revolving accounts, opening or closing some additional accounts won’t have as much of an impact if you have an established credit history then if you are just starting out. These don’t have to all be credit cards. Having several different lenders on your credit report makes you seem like less of a risk.

      Maintaining accounts is as important as opening them. More accounts equals more credit which is better for your debt to credit ratio, especially if you need to carry a balance. If this number goes over 30 percent it can have an unfavorable effect on your credit score.

      For example, if you have 3 cards with a $5,000 limit each, for a total of $15,000, and you have an outstanding balance of $5,000 between the three accounts, you would be at 30 percent debt to credit. But if you closed one of those accounts, the debt would go up to 50 percent of your usable credit, which would have a negative impact on your credit score. Debt to credit ratio is responsible for 30 percent of your score.

    • Way #3: Lengthening Your Credit Age

      Keep accounts open to lengthen your credit history. No annual fee credit cards are ideal for this as keeping them doesn’t cost anything if there is no balance. Credit age accounts for 15 perecent of your credit score. Your credit age should be at least seven years, but more than nine years will help optimize your credit score. This is done as an average, so when you open new accounts it factors in and effectively takes time away from older accounts.

      For instance, if you have a card for 5 years, getting a second card will drop the age of your credit history to 2.5 years. Therefore, it is good to have several revolving accounts on your credit history for a significant period of time before you consider opening and closing new accounts.

      Closing accounts can also shorten your credit age. Be aware that some credit bureaus will remove dormant accounts after a period of time. To prevent creditors from closing an old card account, use it to make a small purchase and pay it off. This way the account doesn’t look unused.

    Top 5 Reasons to Pay an Annual Fee for a Credit Card

    There can be some clear benefits to getting a card that has an annual fee. For the most part, the higher the annual fee, the better the perks and benefits the card will come with. If you are considering paying an annual fee for a credit card, consider the shape of your overall credit first. Although the perks and benefits usually outweigh the cost, you should be sure to have your credit basics down before you begin to play the advanced game.

    • Reason #1: Big Bonus

      Getting a good sign-up bonus can be one of the biggest draws for credit card seekers. Some are attracted by the numbers, and others are attracted by the potential value. Some bonuses can be large enough for an entire vacation if you know how to use your points and miles to maximize their value.

      When considering a bonus, one of the biggest factors is how much you must spend to get it and in what amount of time. For the most part, the larger the bonus the more you will have to spend to get it. Although there are cards that will reward you just for making your first purchase, in most cases you’ll have to spend from $500 to $2,000 in three months. Sometimes, for a small requirement like $500, they may want you to complete that spending in the first thirty days.

    • Reason #2: Travel Benefits

      Some of the most valuable perks that can make an annual fee worth the cost are the travel benefits. To avid travelers, many of these perks are priceless. Things like preferential treatment, which can prevent you from getting bumped off an overbooked flight or land you in first class even though you only purchased a coach ticket, are invaluable if you travel often.

      You may be wondering why you would continue to pay an annual fee after you already got the sign-up bonus. Well, many of these cards have benefits and bonuses that are awarded annually, like the companion fare that comes with the Alaska Airlines cards. Another example is the IHG® Rewards Club Select Credit Card. While it has an annual fee of $49, you earn a free night at any IHG property every time you renew the card. That can easily be worth several hundred dollars.

      Many of the best travel rewards credit cards help you to raise your rank within a certain loyalty program. Many of these loyalty programs have different status levels based on a tier system, and you guessed it, the higher your status the better the perks and rewards. This is mostly relevant for co-branded airline and hotel cards. Other travel benefits that make it worth paying an annual fee include free checked bags, lounge access and other types of preferential treatment, like TSA PreCheck.

    • Reason #3: High Reward Rate

      Cards that charge an annual fee can easily outshine no annual fee cards when it comes to the reward rate, which is the amount of points or miles you will earn for the money that you spend. Paying an annual fee on a certain card can even make the rewards you earn on others more valuable.

      For instance, if you pay the annual fee for the Chase Sapphire Preferred® Card, you can transfer rewards earned on other Chase cards to the Chase Ultimate Rewards program. The value of a point also increases from 1 to 1.25 cents with the Preferred card if you redeem through the UR travel center. If you have a lot of points to redeem, this can easily significantly up the total value. The Ultimate Rewards site works with many partners, including airlines, hotels and car rental companies, which may be running promotions that can also add to the value of your rewards.

    • Reason #4: Specified Spending

      If you frequent a certain airline or hotel and are looking to get something out of it, carrying their card may help you reach your targeted goals. If the rewards from this card help you meet a targeted goal, such as earning free nights or saving money on baggage fees, paying an annual fee is a no brainer. Not only can you get better rewards on cards with annual fees, but better perks too.

    • Way #5: Protection

      In some cases an annual fee may be worth it for increased protection. Some cards offer increased protection in the forms of insurance, purchase protection or coverage for incidentals like trip cancellation. If you know these increased benefits can save you money or, more importantly, save you from a major headache, the annual fee can be a drop in the bucket.

    FAQs

    Need more info? Check out our frequently asked questions. If you have other questions, don't hesitate to leave a comment below.

    • What kind of rewards can I get from a no annual fee credit card?

      The typical return for many rewards cards is between 1% and 2%. That would be 1 to 2 cents awarded per dollar spent. There are some instances where you can earn 5% rewards even with a no annual fee credit card.
      Some cards have rotating categories or run promotions where you can get a higher reward rate on particular items when shopping with one of their partners. A card that gives you 5% back in rewards is like a nickel return per dollar. There are plenty of good rewards to be had with no annual fee credit cards, and yes, that 5% earn isn’t only for the big spenders. It is possible to use a no annual fee credit card to reap these types of returns.
    • What are the best no annual fee rewards credit cards?

      There are many great credit cards that do not charge an annual fee. Ultimately it depends what you are looking to get out of the card. Most major banks offer a good rewards card with no annual fee. The card that would be best for you will depend on what you expect to do with your points and where you use your card.
      Chase Freedom® Card is a great option because you can earn 5% rewards on rotating categories up to $1,500. Plus you only have to spend $500 in three months to get the sign-up bonus. In addition, if you upgraded to the Chase Sapphire Reserve℠, which does charge an annual fee, you could transfer your points to increase their value. You could also redeem them through the Chase Ultimate Rewards travel center for even more savings. The Chase Freedom is great on its own, but I love having options.
      Amex and Citi both have great no annual fee cards that earn rewards and receive bonuses. Citi and Amex also both provide the ability to transfer points to travel partners, as well as making purchases directly through their respective online travel portals. More importantly, they also have some of the highest sign-up bonuses in this category. Both of the Hilton Honors cards are great. The Amex version comes with an 80,000-point bonus, and the Citi version offers 75,000 points. These bonuses are awarded in Hilton Honors points, which can be redeemed for hotel stays. If you are not planning on a hotel stay, then you might want to go with the Amex Everyday card or the Citi ThankYou® Preferred Card. Both have more flexible redemption options and no annual fee.
      Capital One, Discover and Bank of America all also offer good rewards earning credit cards with bonuses and no annual fee. There are also cards that allow you to earn rewards and bonuses that can be redeemed on cruises. If you shop often on Amazon, there is a card for that too. There are many rewards credit cards without annual fees.
    • Are there credit cards for bad credit that don’t charge an annual fee?

      Yes, there are several cards that you can get if you have bad credit that don’t charge an annual fee. However, interest rates on these cards are usually steep. You can easily avoid an annual fee but be careful because credit cards available for those with bad credit sometimes charge other fees, like a monthly maintenance fee. These are usually not the most well-known cards. I would stick to dealing with cards that are branded by reputable sources, such as familiar banks. Do your research and read the fine print. If your credit is bad I would advise getting a secured card.
      Discover and Capital One both offer good secured credit card options that do not charge an annual fee. They also report to the typical credit bureaus, which is imperative if you are trying to improve your credit score. You can start a Capital One Secured account with as little as a $49 deposit. This is not a fee as it is fully refundable.
      There is also a secured version of the Discover it card that has no annual fee. You will need to deposit at least $200 to open that account, which will in turn give you a $200 line of credit. The great thing about this card is it even lets you earn cash back. That’s right, you’ll get 2% back on up to $1,000 spent at restaurants and gas stations, and 1% on everything else.
      On top of obtaining the card, you should use it and pay it off monthly. This will help build your credit faster than just having the card. At all costs, do not carry a balance on a secured card as the interest rates are high. Plus, carrying a balance will not bode well for your ultimate goal, which is improving your credit.
    • What is the best airline credit card with no annual fee?

      It would depend on what airline you fly most and what your ultimate travel goals are. Several carriers do offer cards with no annual fee, but if you vacation often and want the best travel rewards, sign-up bonuses, perks and benefits, you should consider paying an annual fee. Many cards will waive the fee for the first year.
      Just for a little bit of co-branded airline credit card basics, among the three big domestic legacy carriers, Delta and American Airlines offer no annual fee options, while United does not. Delta offers Amex cards, while American Airlines cards are MasterCards that offered by either Barclay or Citi. The Citi AAdvantage cards are not fee-free, but Barclaycard’s offerings include a no-fee option. United’s Visa cards are offered by Chase.
      But that’s not all. Many newer carriers also offer no-fee cards, including JetBlue and Southwest. Even Korean Air has the SkyBlue SKYPASS Visa® Card that has no fee. The point is that whether the carrier is small, large, domestic or international, there are many options to choose from while avoiding an annual fee.
      If you use a specific carrier often, it is probably a good idea to have their card. You should even consider an annual fee due to the perks that typically come with those types of cards. However, if you aren’t married to a specific airline and want to keep your redemption options open, a simple Capital One VentureOne might be right for you. For additional options with flexible redemptions, you should consider Chase, Citi or Amex cards which have the possibility to be transfer points to many different airline partners. The best cards for airline miles may not be branded by an airline at all.
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