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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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- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
- Receive your cash back automatically as a statement credit
*See Terms, Conditions & Disclosures
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 17.24%-21.24% Variable
APR for Balance Transfers: As low as Prime + 11.99% (Currently 15.24%)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $35.00
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
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 a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 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%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- Earn cash back on gas and a $25 statement credit with your first made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
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: $19-$39
Overlimit Fee: $29.00
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
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%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates — get points for flights on any airline, stays at any hotel, and car rentals with any company
See Terms, Conditions & Disclosures
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 17.24%-21.24% Variable
APR for Balance Transfers: As low as Prime + 11.99% (Currently 15.24%)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $35.00
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
Grace Period: 25 Days
Reward Program: Travel Points
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- 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year
- Double Miles on your first $3,000 in travel and restaurant purchases each year
- Double Miles through our exclusive online shopping site
- One Mile for every dollar on all other purchases
- Flexible redemption options for travel, gift cards, or cash
- 0% intro APR on balance transfers and purchases for 6 months, then the Regular APR
*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% (minimum $10)*
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: Air Miles
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