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NO ANNUAL FEE CREDIT CARDS
Smart customers look at the cost when shopping for a credit card. Banks now offer no annual fee credit cards even with rewards and competitive APRs. People want rewards, and they want something for free. Unfortunately, not everyone qualifies for these deals. Although no-fee reward offers are abundant, only the top one third of credit card holders carry some type of a reward card with no annual fee. In plain terms, you need to have a pretty good to excellent credit history to get the goodies free of annual fees.
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- Earn a $25 statement credit with $500 in eligible spending
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more
- No limit on the cash back you can earn
*See Terms, Conditions & Disclosures
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: Up to $100,000
Reward Program: Up to 5% Cash Back
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- 0% intro APR on balance transfers for 15 months, then the Regular APR
- 0% intro APR on purchases for 15 months, then the Regular APR
- 5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% (minimum $10)*
Annual Fee: None
Late Fee: Up to $35
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Returned Check Fee: Up to $35
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- No annual fee for Costco members
- 0% intro APR on purchases for six months
- Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
- Rated 4.5 out of 5 stars in Overall Satisfaction Rating, based on feedback from current TrueEarnings(R) Cardmembers from Costco and American Express
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 20 Days
Reward Program: Up to 3% Cash Back
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- 0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% *
Annual Fee: None
Late Fee: Up to $35
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
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- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Enjoy travel rewards with no restrictions or blackout dates - earn points redeemable for flights on any airline, stays at any hotel, and car rentals with any company
- Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase
- Feel secure with protection from fraudulent charges and extensions of manufacturer's warranties on eligible purchases
See Terms, Conditions & Disclosures
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 25 Days
Reward Program: Travel Points
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- 12, 000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
- 1 Mile per $1 on every purchase
- Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
- No limit on the Miles you earn and Miles don't expire*
- Fly on any airline, book any hotel or car, with no blackout dates
- Use Miles for travel, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months then the regular APR
- No Annual Fee, No Over limit Fee, No Redemption Fee
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% *
Annual Fee: None
Late Fee: Up to $35
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: Air Miles
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