Why pay an annual fee for your credit card when you don't have to? A no annual fee credit card automatically begins saving you money over existing cards that charge you an annual fee. Many no annual fee credit 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 free credit card can even earn you rewards such as miles, cashback, merchandise, hotel stays, and more.
Why we recommend it...
If you want the lowest of the low interest rates available, the best possible credit card terms, and a stellar intro APR offer, the Capital One Platinum Prestige card has all these perks with absolutely no annual fee! Try topping that.
Platinum Prestige is a no-fuss credit card that gives a generous 0% intro APR until September 2011 on balance transfer and purchases, and a terrifically low 11.9% APR after that. A low APR like Platinum Prestige helps save you thousands when carrying balances month-to-month.
You’ll need excellent credit for this card, but if you can qualify, its one of the best no annual fee cards for people who carry large balances and balance transfers with minimal cost. Platinum Prestige is a great way to reward yourself with low rates.
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Why we recommend it...
The Chase Freedom SM Credit Card is an excellent card to have handy if you want to earn cashback on every purchase without having to pay the annual fee typically tacked onto great rewards programs. With Chase Freedom, you earn 1% cash back every time you swipe anytime, anywhere, and for anything. Plus, Chase offers extra bonus rewards earning opportunities like a stand-out 5% bonus cashback in special rotating categories, additional 20% bonus cash back at select merchants, and 2% cashback on eligible airfare. For credit-weary consumers, Chase is on your side with the added Chase Blueprint features to help manage finances with custom payment plans, spending progress monitoring, and more. As another bonus, Chase is throwing in 0% intro APR for up to 12 months.
How could you pass up so many rewarding and useful features in the Chase Freedom Card, especially without a pocket-burning annual fee to worry about? Just sit back, spend interest free for up to 12 months, and earn cash and rewards with Chase Freedom.
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Average Credit Score Approved for this Card
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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on Provider's website.
† Credit Karma members have received approvals with these credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
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