For those who don’t want to pay an annually fee, credit cards that do not have annual fees are a great choice. Other fees may apply, such as an annual percent rate that applies to purchases and balance transfers. These cards have an annual fee that is justified only if the rewards they offer are greater than the annual fee. In general, the rewards are earned by spending a large amount of money in a particular category.
Get Cash Back with Discover It(r)
For people who want to increase the cash they make from their spending, the Discover it(r), Cash Back credit card has no annual fees. The card offers a 2% cashback on purchases and payments and has no annual fees. It comes with an annual spending cap and a sign-up bonus without any fees. You will need to work hard to get cashback with this card.
Chase Freedom Flex
For travelers looking for a card with no annual fees and high rewards points, the Chase Freedom Flex credit card has no annual fee. The card earns 1 per point. Points can also be transferred to Chase credit or airline partners at a 1:1 ratio. There are other benefits, including a cell telephone protection plan. With this plan, cardholders can receive up to $1,000 in insurance per year in the event of an accident. The plan also comes with a $50deductible that allows you to make up to 2 claims each year.
Citi(r) Double-Cash Card
Citi Double Cash Card offers one of the best no annual fees credit cards. It gives you 2% cashback when you make purchases in certain categories. This is a great deal for anyone who loves earning cash back. The 0% APR offer on balance transfer transactions is also a bonus. To get even more cash back you can also combine this card with other Citi rewards cards.
Amex EveryDay(r).
Both the Amex Everyday (r) credit card with no annual fee and Amex Everyday Preferred credit cards with no annual fees offer zero annual fees. These cards have similar benefits and earning structure. Both cards earn two Membership Rewards points per dollar spent at U.S. supermarkets and one point for each dollar spent elsewhere. Both cards offer a 20% bonus points per billing cycle, which can be converted to cash.
Bank of America Customized Cash
The Bank of America Customized Cash Card with No Annual Fee has a low annual payment and offers a generous APR. Its benefits and rewards are not as extensive as they could be. Its initial APR is 0% and applies to purchases as well as balance transfers.
Hilton Honors Amex
Hilton Honors Amex is worth considering if you're a regular Hilton guest. You can earn upto 80,000 points for new cardmembers if you spend $1,000 on eligible purchase. These points are available at Hilton properties and U.S. stores as well. You can also earn 3X points for other eligible purchases