A card with no annual fee can help keep your out-of-pocket costs low while providing a lot of value through lucrative sign-up bonuses, fringe benefits, and rewards programs.

No-fee or annual-fee cards aren't aimed at earning rewards. They focus on helping you pay off high-interest debt through a balance transfer.

No annual fee credit cards benefits

· Some options could offer 0% APR

Frequent questions

How to choose an annual fee credit card?

If you've never had a card, a card with no annual fee may be ideal until you understand the market better. That way, you can get in the habit of remembering monthly payments, tracking spending, and looking for the next upgrade, which may be a travel card or a card with a 0% APR introductory rate.

How good is it not to have an annual fee?

Whether or not having an annual fee is better depends solely on you and your financial goals. People who are just beginning their credit journey, or those who will be building their credit, can increase the card's credit-building capabilities and other benefits without worrying about paying an annual fee. This is also true for those looking to consolidate debt, as many no-annual-fee cards offer a 0% introductory APR on balance transfers.

Can you get a no annual fee credit card with bad credit?

It's a little hard to find, but there are credit cards with no annual fee for consumers with bad credit and no credit history.

Will I have to pay the annual fee if I don't use my credit card?

Unfortunately, you will have to pay. Think of the annual fee as the cost to access the line of credit. You'll be subject to the same price whether you're a frequent user or only make purchases with your card in emergencies.

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Associated credit card categories

Good Credit


Excellent Credit


Low Interest