Credit cards without annual fees are very suitable for people looking for good balance transfers, trying to build credit or want a rewards card without the hassle of annual fees. What are the credit cards with no annual fee?
In the previous post, Info Credit Free introduces people to some of the necessary information that is useful for getting the best credit card offers in the US, to get more information people can read the article Ten best credit card offers in the US that people should know. Now, let find knowledge about the credit cards with no annual fee in the post today.
CREDIT CARDS WITH NO ANNUAL FEE
Just like a lot of article posts such as instant approval credit cards, low-interest credit cards, pre-approved credit cards, best credit card offers…, this post about credit cards with no annual fee also includes some main parts. They are:
1. What are the credit cards with no annual fee
Credit cards without annual fees are very suitable for people looking for good balance transfers, trying to build credit or want a rewards card without the hassle of annual fees. With a balance transfer card or APR card 0%, you avoid the interest in the time limit – this may be the card you do not plan to use much in the future, so there is no need to pay the annual fee.
Cards without annual fees can also be easily obtained because they sometimes require lower credit scores. If you need a security card or a card for bad or fair credit, you will want to see if there is an annual fee, which can be another cost when cash is missing.
Also, while many rewards cards have annual fees, there are some that do not have a card, which is ideal if you do not plan to use the card extensively. Finally, these cards can be great for building your credit, especially when you pay full and on time every month, thus keeping your balance low.
2. Six benefits of the credit cards with no annual fee
2.1. Price protection
With this card feature, you will be refunded the difference between the amount you paid for an item charged to your card and the lower price your card provider found. For example, the previous Citi Search Rewind tool for 60 days at a lower price and allows users to receive a refund of up to $ 500 per item and $ 2,500 per year.
You may be required to register for the product online and/or provide a picture of your receipt, and two comparable items will need to be an exact product and a suitable template.
2.2. Purchase protection
If an item you purchase with a card is accidentally damaged, lost, or stolen during the covered time frame, the purchase protection allows you to get reimbursement of the item up to a certain amount. For Chase Sapphire Priority Card, the limit is $ 500 per request and must be made within 120 days of purchase.
2.3. Extended warranty
Many free credit cards provide reimbursement for a broken product after the manufacturer’s warranty expires. Typically, extensions exceed one year of manufacturer warranty, just like with Chase Ink Business Card. Common exclusions include items damaged by wear, natural disasters, transportation and handling, and products such as cars, boats, software, real estate and items that are permanently installed.
2.4. Return protection
Cards such as Blue Cash Cards every day from American Express include the ability to be reimbursed for a qualified item you want to return, even if the seller has won, get it back. With this card, you are limited to $ 300 per item and $ 1,000 per year on a refund schedule (purchases must be made in the United States and its territories).
2.5. Travel protection
In particular, Signature Visa card provides a variety of travel protection measures, including travel accident insurance, travel, and emergency assistance services, roadside, collision damage rental, insurance baggage delay and lost luggage return.
2.5. Fraud protection
Every major credit card company now offers fraud protection without liability, regardless of whether you pay annual fees for your card or not.
3. The best credit cards with no annual fee
| Card | Best For | Annual Fee | Our Rating |
|---|---|---|---|
| Citi Rewards Card | Small Purchases | $0 | 3.0 / 5 |
| Capital One VentureOne Rewards Credit Card | Hotel booking | $0 | 3.5 / 5 |
| Discover it Cash Back | Amazon.com purchases | $0 | 4.3 / 5 |
| Bank of America Cash Rewards credit card | Everyday spending | $0 | 3.4 / 5 |
| Chase Freedom Unlimited | 0% APR Period | $0 | 3.1 / 5 |
| Capital One Quicksilver Cash Rewards Credit Card | New cardholders | $0 | 3.4 / 5 |
| Wells Fargo Propel American Express Card | Sign-up bonus | $0 | 3.5 / 5 |
| Capital One SavorOne Cash Rewards Credit Card | Dining & entertainment | $0 | 3.7 / 5 |
| Chase Freedom | Categories | $0 | 3.1 / 5 |
| Blue Cash Everyday Card from American Express | Groceries at U.S. supermarkets | $0 | 3.7 / 5 |
This post is about credit cards with no annual fee. We provide this information to offer you some of the necessary information that is useful for getting the credit cards with no annual fee. Also if you are looking for information about the credit card consolidation, please refer to Three best option for the credit card consolidation you can choose link we just provided in the previous article.
Hillary (Team Content) – Info Credit Free