There are many ways for you to enjoy a good credit card. Some offer an introductory zero-interest period, while others have cashback rewards or a robust rewards program for you to choose from. These benefits often make people apply for credit cards, especially in the US.
While there are many credit cards out there that offer the best benefits, none is more crucial than having zero annual fees. No-fee credit cards in the United States are quite popular since most credit cards charge hundreds of dollars for an annual fee.
In this guide, we’ll tell you more about the most requested no-fee credit cards in the United States and what other benefits they offer.
Wells Fargo Active Cash Card
One of the best no-fee credit cards in the United States right now is the Wells Fargo Active Cash Card.
You get to earn 2% cash back on all purchases, and this is one of the best rates that you can find in any cash-back rewards credit card today.
The card also boasts a generous welcome bonus that lets you earn $200 worth of rewards by spending $500 in the first 3 months. Additionally, you get 0% intro APR on purchases for the first 15 months.
Why You Should Apply for the Wells Fargo Active Cash Card
If you’re looking for a good credit card that has zero annual fees and offers great cashback rewards every time you use the card for transactions, the Wells Fargo Active Cash Card is your best.
It has perfectly bundled all of the good things about a credit card without the added hassles of paying extra charges for things that you normally do not have to pay for.
Capital One SavorOne Cash Rewards Credit Card
If you’re leaning towards more specific activities such as dining, entertainment, and buying groceries, you would want to take a good look at the Capital One SavorOne Cash Rewards Credit Card.
Cardholders can expect to receive 3% cash back for all of the transactions and activities mentioned beforehand.
This also includes streaming service subscriptions as well. Every time you use the card to make Capital One Entertainment purchases, you get 8% cash back and 5% back on hotel and rental car bookings.
Everything else will let you earn 1% cashback. All of these rewards and you don’t have to pay a single fee for the card that you own.
Why You Should Apply for the Capital One SavorOne Cash Rewards Credit Card
There are a lot of reasons to love the Capital One SavorOne Cash Rewards Credit Card.
Apart from the massive cashback potential for almost all transactions and activities that you make, you also get enhanced rewards without having to deal with a lot of redemption restrictions.
You only get to pick and choose which rewards you like to redeem, and none of the complex processes all boil down to a few mediocre rewards.
Citi Simplicity Card
Those who are looking for a simple credit card without any annual fee should check out the Citi Simplicity Card.
It offers 0% interest for 12 months for purchases and 21 months for balance transfers. You don’t need to pay any penalty rate, late fees, and many other miscellaneous fees for this credit card.
The card also has a very competitive interest rate starting at 19.24% to 29.99% depending on your creditworthiness.
Why Choose the Citi Simplicity Card
No late fees or any other charges for late payments and no annual fees? That’s already a bargain for many credit cardholders.
Not only that, you get one of the longest introductory offers out of any credit card in the market today. This is the perfect yet the simplest credit card that you can find on this list.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card offers more than just a few perks for its cardholders.
After spending $500 for the first three months, you immediately get a one-time $200 cash bonus. Then, you also earn 1.5% cash back for every transaction without the burden of an annual fee or foreign transaction fee.
This is a great opportunity for you to carry this card with you on your overseas travels. Earn unlimited 5% cash back on hotels and car rental bookings and enjoy up to 6 months of complimentary Uber membership.
A Highly Requested No-Fee Credit Card
One of the most highly requested no-fee credit cards in the US right now is the Capital One Quicksilver Cash Rewards Credit Card.
There is no doubt that its plethora of perks and benefits without the pressure of paying a large sum for an annual fee makes it one of the more interesting credit cards to apply for.
Earning unlimited cashback without any rotating reward categories ensures that you will always get the rewards that you want after using this amazing credit card. With its 19.99% interest rate, you don’t have to look far and wide to find the best credit card on this list.
Also Read: Learn How to Get the Capital One SavorOne Cash Rewards Credit Card
Discover it Miles
Most travel rewards credit cards often have fees attached to them, especially annual fees.
With the Discover it® Miles, you never have to worry about fees at all. Upon signing up, you get an unlimited miles match after 12 months.
This means that the card will match the miles you have collected over a span of 12 months. The base reward rate is 1.5x and you can redeem all of your points as cash.
Why Apply for the Discover it® Miles?
There are many things to love about the Discover it® Miles credit card.
Zero annual fees, zero foreign transaction fees, accessibility to rewards, and easy-to-learn miles make this card one of the best in the market. It also has a very low APR of 17.24%.
Ink Business Cash® Credit Card
Small businesses often have to cut some costs just to save money. This is why the Ink Business Cash® Credit Card is one of the best credit cards out there for small business owners who want to avoid spending a lot on miscellaneous fees.
The card offers 1% to 5% cashback on combined purchases specifically with office supplies, internet, and phone services.
You also earn $350 when you spend $3,000 in the first three months and an additional $400 when you spend $6,000 in the first six months.
Save and Earn More with the Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is the perfect credit card for small business owners who use their credit cards to supply their business.
With its 0% introductory APR for 12 months and loaded cashback rewards, you get more out of the credit card without having to pay an annual fee and many other charges.
Wells Fargo Autograph Card
Many people often look at credit cards for the value they provide to their cardholders. One such card is the Wells Fargo Autograph Card.
It has zero annual fee and you can earn an unlimited amount of points. You get 3 reward points when you spend on travel, dining, transportation, gas stations, and even streaming subscriptions and phone services. Other transactions will give you 1 reward point.
What’s Great About the Wells Fargo Autograph Card
In addition to the unlimited number of rewards points that you can earn, you get a bonus of 20,000 points when you spend just $1,000 for the first three months.
You get cell phone protection, and you’ll never have to deal with an annual fee again. There is also a 0% intro APR for 12 months, after which it will revert to a competitive rate of 20.24% to 29.99%.
Hilton Honors American Express Card
When you think of an American Express credit card, you immediately think of the annual charges and other fees that many of their cards have.
With the Hilton Honors American Express Card, you’ll never have to worry about getting charged an annual fee, thanks to this most requested no-fee credit card.
It even allows you to earn 7 bonus points per dollar for all eligible Hilton purchases and 5 points on restaurants and supermarkets in the US.
Get Even More with the Card
With the Hilton Honors American Express Card, you get even more with its super bonus offer, which includes an automatic upgrade to Hilton Honors Silver status.
With this amazing credit card, you can expect more hotel benefits without paying a high annual fee.
Conclusion
No-fee credit cards are the best way to enjoy the benefits of having a credit card without adding any cost. With these credit cards, you can take full advantage of the rewards, benefits, perks, and so much more and never have to worry about any other costs aside from the interest charges. Go ahead and check out these recommendations and see which one best fits your lifestyle.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
