Have you ever made a search about the Best Credit Cards 2022 No Annual Fee? If you have then there is all the need for you to simply keep on reading this article and then you will get a lot of information, I mean a lot of information.
Now first of all, you should know what the Best Credit Cards 2022 No Annual Fee is all about before knowing anything else. So keep on reading and then you will get all the important information.
Best Credit Cards 2023 No Annual Fee
A no-annual-fee credit card is simply a type of credit card that simply then gives cardholders an opportunity to have a credit card, earn rewards and even also use credit card perks without charging the typical annual fee.
If you are then on the search for a credit card, you have simply probably noticed that some cards then simply charge a yearly fee for simply having the card, but come with lucrative rewards and even perks. In many cases, you will even then still get the same long-term value — including rewards and some perks — from a credit card without an annual fee.
Capital One Quicksilver Cash Rewards Credit Card: Best overall cash back card
- What we love about the Capital One Quicksilver Cash Rewards card: For a no-annual-fee card, the Quicksilver simply has a noteworthy set of perks and also even decent rewards rate. It then offers several travels and including shopping protections, including emergency card replacement, and also fraud coverage — and the unlimited 1.5 percent cash back on all purchases can simply then provide steady value for cardholders. You can also earn unlimited 5 percent cash back on hotel and rental cars booked through Capital One Travel (terms apply).
- Who this card is good for: Cash back first-timers seeking a simple no-annual-fee card.
- Alternatives: For people who’d rather focus their spending on a few particular categories, the Bank of America® Customized Cash Rewards credit card could provide higher cash back earning potential in the long run.
Capital One SavorOne Cash Rewards Credit Card: Best card for dining and entertainment
- What we love about the Capital One SavorOne Cash Rewards card: If you want a card that rewards fun experiences, you’ll have a hard time finding a better option than the SavorOne. The card is well-rounded and potentially lucrative for almost everyone because of its rewards rate and no annual fee, and it rewards both everyday and entertainment purchases at a decent rate. Entertainment may sound vague, but concerts, movies, sporting events, theme parks and tourist attractions are all included in Capital One’s entertainment bonus category.
- Who this card is good for: People who enjoy dining out and also entertainment lovers would then simply get the most value on purchases.
- Alternatives: Cardholders that are then seeking a card with more flexibility in cash back earnings and even also reward redemption should simply then consider the Discover it Cash Back card, which it simply comes with an unlimited Cashback Match™ welcome offer.
Discover it Cash Back: Best card for flexible spenders
- What we love about the Discover it Cash Back card: Discover’s cash back categories are simply noteworthy, and you could even then potentially double your cash back earnings at the end of your first year with the Cashback Match program (Discover will automatically match all the cash back you have earned at the end of your first year). Plus, it then offers 5 percent cash back (activation required) on up to $1,500 spent in quarterly rotating bonus categories, then 1 percent. With no annual fee, this card will then simply add plenty of value to any wallet.
- Who this card is good for: Someone who simply wants to cash in on a variety of seasonal expenses.
- Alternatives: Flat-rate cash rewards cards such as the Wells Fargo Active Cash® Card might even then be better for people who prefer a simple rewards structure.
Blue Cash Everyday Card from American Express: Best card for families
- What we love about the Blue Cash Everyday Card from American Express: The simple, everyday bonus categories simply then make this card worthwhile, especially since it then has no annual fee. Cardholders will simply then also receive a welcome offer of $200 in statement credits — given they spend $2,000 within the first six months of account opening — making the card one of the most lucrative options among other no-annual-fee cards.
- Who this card is good for: Someone also searching for a low-maintenance cash back card to use on everyday essentials or for those looking to earn an additional 3 percent cash back on U.S. online retail purchases, on up to $6,000 per year, then 1 percent.
- Alternatives: Target, Walmart or Sam’s Club loyalists might then find that a retail store card such as the Sam’s Club® Mastercard® or the Capital One Walmart Rewards® Mastercard® that even offers more value since these stores do not qualify for the Blue Cash Everyday Card’s U.S. supermarket cash back category.
Citi Custom Cash Card: Best card for customized rewards
- What we love about the Citi Custom Cash card: The bonus category simply or is automatically shifts to match your spending on purchases in your top eligible spend category each billing cycle (the card touts 5 percent cash back in 10 bonus categories — one of the highest cash back then simply rates for a card with no annual fee).
- Who this card is good for: Someone who wants to earn a high cash back rate without being limited to one or two category options.
- Alternatives: If you then want to earn rewards in multiple categories simultaneously or simply want to consistently earn higher cash back on both groceries and gas, for example, you might then be better off with a more traditional tiered card such as the Blue Cash Preferred® Card from American Express.
Chase Freedom Unlimited: Best overall rewards card
- What we love about the Chase Freedom Unlimited card: It is versatility and also very flexible redemption options prove that there is a ton of potential value packed into this card. During your first year, you can even earn an extra 1.5 percent on all rewards, which then means 6.5 percent on travel through Chase Ultimate Rewards, 4.5 percent on drugstores, and also 3 percent on all other purchases. You can even also redeem your rewards for both cash back and also even travel (purchased through Chase Ultimate Rewards), but you can do so for equal value — 1 cent apiece.
- Who this card is good for: For someone who cannot then decide between a cash back or a travel credit card, this card is also a great way to dip a toe into travel rewards without an exclusive commitment.
- Alternatives: For international travelers, credit cards without a foreign transaction fee such as the Capital One Quicksilver Cash Rewards Credit card can simply then earn you better rewards when booking travel outside of the U.S.
Wells Fargo Active Cash Card: Best card for flat-rate cash rewards
- What we love about the Wells Fargo Active Cash card: The sign-up bonus and also unlimited 2 percent cash rewards on purchases alone make this a standout flat-rate credit card, and the 15-month 0 percent intro APR period on purchases and simply qualifying balance transfers from account opening (then 17.24 percent, 22.24 percent, or 27.24 percent variable) adds even more value.
- Who this card is good for: Anyone that is then looking for a well-rounded flat-rate cash rewards credit card with no annual fee and plenty of perks.
- Alternatives: For rewards seekers that are simply looking to earn more than 2 percent back in select categories, the U.S. Bank Cash+® Visa Signature Card could even give more overall value in key spending categories.
Citi Double Cash Card: Best card for high reward potential
- What we love about the Citi Double Cash card: With no bonus categories or even annual fee to worry about and a solid cash back rate, this card can then be a valuable, stress-free addition to most wallets. Plus, its unique rewards system lets you simply earn 1 percent cash back when you buy and another 1 percent when you pay.
- Who this card is good for: People who want a flat-rate cash back card with no annual fee.
- Alternatives: The Chase Freedom Unlimited® Card might then be a better choice for those looking for a more lucrative sign-up bonus.
U.S. Bank Cash+ Visa Signature Card: Best card for bonus category options
- What we love about the U.S. Bank Cash+: The freedom to be able to then customize so much of your earning experience is a strong draw for this card. You have the power to choose all of your top earning spending categories, two in your highest earning tier and also one in your second highest.
- Who this card is good for: Seasoned credit card spenders and even rewards strategists who then know exactly where their money goes and also exactly where they can earn the most.
- Alternatives: Hitting the quarterly spending cap on this card can even then dampen your earning potential quickly. If the unlimited rewards on all kinds of purchases is something you are simply after, the Wells Fargo Active Cash offers one of the highest flat rewards rates on the market.
Chase Freedom Flex: Best no annual fee card for multifaceted spenders
- What we love about the Chase Freedom Flex card: Cardholders can even then take advantage of its flexibility, as the Freedom Flex features bonus categories that simply rotate each quarter. If you have commitment issues when it comes to rewards categories, this card can even then be a great fit.
- Who this card is good for: Someone who wants to earn rewards in several purchase categories.
- Alternatives: For grocery shoppers that are simply looking to get a go-to card that consistently rewards these purchases exclusively, the Blue Cash Everyday Card from American Express might even better align with your spending — especially if you simply make significant grocery purchases each week.
Capital One Platinum Credit Card: Best card for credit builders
- What we love about the Capital One Platinum card: For a card that is available to consumers with less-than-ideal credit, its set of features is very impressive. The Capital One Platinum simply has no annual fee and no foreign transaction fees, and even your account will be automatically reviewed for a higher credit limit after six months.
- Who this card is good for: Someone with fair to good credit trying to improve their score.
- Alternatives: There are no-annual-fee cards with more even valuable perks such as the Citi Custom Cash Card for the rewards seekers looking to simply earn cash back or points on purchases.
Capital One VentureOne Rewards Credit Card: Best card for new travelers
- What we love about the Capital One VentureOne Rewards card: With this card, the freedom to book your rewards that is based on your preferences is a huge advantage. You can use your Capital One miles to book hotels, flights and also rental cars through Capital One’s website, or you can even then use your card to book travel through another service or website and redeem your miles as a statement credit to cover the cost.
- Who this card is good for: People who are then or simply occasional or beginner travelers.
- Alternatives: If you are then a frequent traveler looking for ways to maximize your rewards earnings, and you would not mind paying a few hundred dollars for an annual fee, you might then prefer the Chase Sapphire Reserve® — as it offers a higher rewards rate than VentureOne Rewards.
Wells Fargo Autograph Card: Best for everyday travel
- What we love about the Wells Fargo Autograph card: This rewards card simply gives you plenty of places to then earn points due to its array of spending categories.
- Who this card is good for: Credit card newbies and even also minimalists alike who then want a straightforward rewards plan without the hassle of tracking rotating categories or who then value affordability for an expansive rewards payoff.
- Alternatives: The one key spending category missing from the Wells Fargo Autograph is also even groceries or supermarket purchases option. To then cover this category, alongside plenty of others, you might then consider the Bank of America Customized Cash, the Blue Cash Every day or one of our other best credit cards for groceries. All of these alternatives still skip the annual fee, so you won’t have to sacrifice that perk.
FAQs
Why Do Some Credit Cards Have an Annual Fee?
The simplest explanation then involves the relationship between cost and also benefits. A card that then offers higher rewards rates and even more valuable perks will then cost more to provide, so the issuer charges an annual fee.
Can you get a no-annual-fee credit card with bad credit?
No annual fee cards for bad credit are then rare but not impossible to find. A likely option might then even be getting a secured credit card that does not even then charge an annual fee.
Can Issuers Waive an Annual Fee?
There are strategies that you can simply make use of to potentially get your card issuer to waive an annual fee, at least temporarily, like contacting customer service or seeking a waiver for use exchange.
Which No-Annual-Fee Credit Card Has the Best Rewards Program?
The “best” rewards program simply then depends on the person. Each consumer has different financial needs that a credit card must then meet to be considered the best for them.
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