Credit Cards with No Annual Fee

Why pay an annual fee for your credit card when you don't have to? A no annual fee credit card automatically saves you money over existing cards that charge you an annual fee. Many of these cards also offer introductory rates as low as 0%, meaning you can have a ""free"" loan with your free card for an introductory period. A fee-free credit card can even earn you rewards such as miles, cashback, merchandise, hotel stays and more. Click on the images below to get specific advice from our Credit.com experts.

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  • How to choose the right card?

    What to Avoid

    What To Avoid When Applying

    When applying for no-fee credit cards, it is important that you avoid cards that lack some valuable features. For example, if you travel internationally then you will want to make sure your card has an EMV smart chip and no or low foreign transaction fees. In addition, if you apply for rewards cards with no annual fee, then you might consider a version with an annual fee, as the rewards and benefits might actually justify paying it. Finally, if you wish to avoid annual fees, then you need to be careful to note cards that have an annual fee that is waived for just the first year. If the credit card won't work for you after the first year, there may be a better option out there.
    What to Look For

    What To Look For When Applying

    When applying for a card with no annual fee, you should look for compelling features and benefits tailored to the way you intend to use the card. Since there are many cards offered with no annual fee, there will be products that appeal to different markets. For example, if you need to carry a balance, then you should look for a card with the lowest possible interest rate, and possibly a 0% APR promotional financing offer. If you pay your balance in full every month, then you can choose one of the many no-fee cards that offer rewards for spending. Other popular features include fee waivers for late fees and foreign transaction fees.
    Apply for More than one?

    Should You Apply For More Than One?

    Holding multiple credit cards allows you to build your credit history while utilizing a broader array of benefits than what might be available from a single card. One of the downsides of holding multiple credit cards is the possibility of paying several annual fees. Thankfully, no-fee cards make it affordable for anyone to have multiple credit cards at no additional costs. Before applying for multiple no-fee cards, you should be sure that they are able to responsibly manage all of your accounts, so that you won't see multiple lines of credit as an invitation to spend more or get into debt.

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