No Annual Fee Credit Card?

This type of Credit Card has no type of annual or monthly membership fee associated with it.  However, there are other fees that you need to be aware of and here are a few. Cash advance fees, over the limit fees and returned check fees to name a few.  Usually the no annual fee credit card carries a higher annual interest rate vs. credit cards that charge monthly and annual membership fees.  The banks/issuers will make their money somehow and these are just a few of the methods they use to do this when you have this type of credit card.  Those who can benefit the most from these cards are those who pay off the balance every month and on time.

Blue Sky from American Express(R)

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• Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel- anytime
• No annual fee
• Pay your bill all at once, or over time. It’s up to you.
• Blue Savings Program®: big deals on big brands, all the time
• Rated “Best Airline Credit Card” by Card Ratings Consumer’s Choice Awards in 2010
• Get approved in 60-seconds

Credit Needed: Excellent Credit*

Gold Delta SkyMiles® Business Credit Card from American Express OPEN

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• Regular APR: 15.24% – 19.24% Variable
• 30,000 bonus miles when you spend $500 on the Card in the first three months from
  account opening– good for a free flight!
• Check your first bag free– for up to 8 people on your reservation– on every Delta flight
• Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
• Priority Boarding and 20% In-Flight Savings
• $0 intro annual fee for the first year, then $95
• No annual fee for Additional Cards
• Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

Credit Needed: Excellent Credit*

Discover® More Card

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• 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99%- 20.99%*
• 5%  Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
• Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
• Discover is ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

Credit Needed: Excellent*

Discover® Motiva Card

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• Earn Cashback Bonus for your good credit management
• 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
• Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
• Discover is ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

Discover® More Card – 18 Month Promotional Balance Transfer

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• 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99%- 20.99%*
• 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99%- 20.99%*
• 5%  Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
• Discover is ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus automatic mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

Credit Needed: Excellent*

*The information presented on this site is made without warranty or guarantee of approval.  Although reasonable efforts have been made to maintain the accuracy of information given, you should review the terms and conditions presented on the issuer’s website.  You can view the details of each program and terms and conditions, by clicking any credit card image on this site and navigating to terms and conditions.