No annual fee credit cards are a good choice for people who do not want to pay an annual fee for the privilege of using a credit card. You may also have to pay additional fees for 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. You can earn rewards by spending a lot of money in a certain category.
Discover it(r), Get Cash Back
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. The card also comes with a sign-up bonus that is free and no annual spending limit. To take advantage of the cashback match program, however, you'll need to put in some effort.
Chase Freedom Flex
The Chase Freedom Flex card without annual fee is a great choice for travelers looking to earn rewards points and have no monthly fees. The card earns 1 cent per point, and the points can be transferred to other Chase credit cards and airline partners for a 1:1 transfer. Other benefits include a cell-phone protection plan and Chase credit cards. With this plan, cardholders can receive up to $1,000 in insurance per year in the event of an accident. The plan also includes a $50 deductible and allows up to two claims per year.
Citi(r) Double Cash Card
Citi Double Cash Card, which has no annual fees, is one of today's best credit cards. You can get 2% cashback on certain purchases. 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)
The Amex EveryDay (r) no annual fee credit card and Amex EveryDay Preferred no annual fee credit cards both offer no annual fees. These cards have similar benefits and earning structure. You can earn two Membership Rewards Points for every dollar you spend in U.S. supermarkets. One point for every dollar that is spent anywhere else. Both cards offer 20% bonus points per billing period, which can then be converted into 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. However, its benefits and rewards are sparse. Its introductory rate is 0% on purchases. This also applies to balance transfers.
Hilton Honors Amex
If you're a frequent Hilton guest, the Hilton Honors Amex credit card is worth considering. New cardmembers will be able to earn up to 80,000 points if they spend $1,000 on eligible purchases for a limited period. These points can also be used at U.S.-based restaurants and supermarkets. You can also earn 3X points for other eligible purchases