The Best Credit Cards With No Annual Fees

By Jason Steele. Last updated 1 August 2019. 0 comments

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Most average credit card users don't need a credit card with an annual fee. Cards that come with annual fees offer higher rewards and an assortment of travel perks and shopping benefits, but if you don't spend enough to maximize on rewards or travel enough to take advantage of the additional perks, the annual fee is an unjustifiable cost.

Choosing a card without an annual fee is much like picking any other card — you need to find the one that offers the features and benefits that are best suited to how you are going to use the card. Here are the cards I would recommend to anyone looking for a credit card without an annual fee.

Bank of America® Travel Rewards credit card

The Bank of America® Travel Rewards credit card is one of the few rewards cards that has no foreign transaction fee or annual fee. This card has a competitive rewards program that allows you to earn 1.5 points per dollar spent on purchases, and each point is worth one cent statement credit towards travel purchases. Plus, get a 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. (See also: The Best Travel Rewards Credit Cards)

Click here or call 866-408-2765 to learn more and apply for the Bank of America® Travel Rewards credit card today!

Citi® Double Cash - 18 month BT offer 

The Citi® Double Cash Card - 18 month BT offer from our partner Citi is the no fee card for those who want to maximize the amount of cash back rewards they receive from their regular spending. Cardholders earn 2% cash back on purchases: 1% when you buy plus 1% as you make payments for those purchases. For a straight cash rewards credit card, it's one of the best available when it comes to getting cash back for all your purchases (not just the ones in bonus categories). (See also: Best Cash Back Credit Cards)

Click here to learn more and apply for the Citi® Double Cash Card - 18 month BT offer today!

HSBC Cash Rewards Mastercard® Credit Card

The HSBC Cash Rewards Mastercard® credit card has no annual fee or foreign transaction fee. It awards an unlimited 1.5% cash back on all purchases. You can redeem your cash rewards for cash, gift cards, merchandise, and travel. You also get a 10% anniversary bonus on the cash rewards you’ve earned each year. Plus, new cardholders can earn 3% cash back on all your purchases for your first 12 months of account opening, up to $10,000 in purchases. There is a 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR applies. See rates and fees.

Click here to learn more and apply for the HSBC Cash Rewards Mastercard® credit card today!

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