Best No-Fee Credit cards -
Updated: January 5, 2016
These days it seems that every product service or hidden fees, mobile phone financial services. These fees are often "traps" for consumers who assume they will pay a certain amount and later find they owe more than they anticipated.
Unfortunately, the hidden costs lurk around every corner. For credit cards they can go to the tax and transfer annual fee balance for the foreign transaction fee if you use your card internationally. To avoid being surprised by unknown costs, it is a good idea to familiarize yourself with the terms and conditions of a card. However, the T & Cs credit card can be a bit tedious to read through and difficult to understand. No worries if - the credit card we researched T & Cs for you to know which cards have hidden fees and those not offer or limited costs
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We read through the fine print on the most popular cards out there and found the best credit cards free of charge to help you save money.
BEST NO-FEE REWARDS CARDS
Discover Card
The Discover Card there is a strong cash back card no annual fee, no foreign transaction fee, no penalty in April and no late fee for your first late payment. It also features a long introductory period of 0% APR so that you get both great rewards and a long period without interest, all without charge. With it you will gain Discover Card 5% cash back in quarterly rotating categories (note: you must register for quarterly bonus) and 1% cash back on all other purchases . In addition, at the end of your first year Discover double your cash back . For example, if you earned $ 300 at the end of the first year out will give you another $ 300, for a total of $ 600 cash back! This is a significant bonus, even if you do not get the end of your first year (instead of every year), it is still quite remarkable. You will also have a 12 months 0% Intro APR on purchases and balance transfers and a free FICO credit score on your monthly statement.
BankAmericard Travel Rewards® Credit Card
love traveling? With no annual fee and no foreign transaction fees , the BankAmericard Travel Rewards® Credit Card brings much to the table. Most travel cards charge an annual fee to enjoy the travel benefits they offer, but not this card. Instead, you earn 1.5 points per $ 1 on all purchases without worrying about paying an annual fee. Moreover, the points you earn can be spent to purchase travel of your choice and on any type of travel - flights, hotels, vacation packages, cruises, car rentals or luggage fees. You just use your card to pay for the purchase travel and then redeem your points against a declaration of credit against all or part of the cost of travel. And if you are traveling outside the US, do not worry about paying foreign transaction fees because there is none. Just this feature alone can add up to substantial savings, especially if you often travel internationally or if you plan to take a long vacation. This card also has an introductory APR of 0% for 12 billing cycles on purchases and 15.24% - 23.24% Variable April And to top it all, there is currently a $ 200 bonus travel rewards after spending $ 1,000 within the first 90 days.
Capital One Cash Rewards Quicksilver Credit Card
If you want to earn cash back on your purchases by credit card, the Capital One rewards Quicksilver Bar credit card is a smart choice. Not only does he have no annual fee and no foreign transaction fee , but you will gain a unlimited 1.5% cash back on each purchase . In addition, you get a $ 100 bonus after spending $ 500 over the first 3 months - not too bad - and enjoy a 0% APR on purchases (currently until March 2016). You can also transfer your balances to that card because it has a 0% APR for balance transfers. However, if you plan to use strictly as a balance transfer card, you might be better off with one of the best balance transfer cards listed below as they tend to offer more 0% Intro APR periods and APRs less current.
TOP CARD NO-FEE BALANCE TRANSFER
Chase Slate
This is a great card to consolidate the balances you carry on, low interest rate card. Chase Slate has no annual fee, no fee balance transfer and 0% Intro APR for 15 months on balance transfers and purchases . The transfer fee no balance aspect is a huge bonus, as these costs can really when you transfer debt from one card to another (for a good look at how much you can save in interest charges see our balance transfer calculator). In addition, you can use the card to make purchases now and pay $ 0 in interest for 15 months - which is long after the holiday season and well into 2015.
discover - Balance Transfer Card
If you are currently a balance on a higher APR card, a balance transfer card can be a real money saver. By transferring your balance to a card like the Discover it - balance transfer card you will enjoy a long 18 months 0% APR on balance transfers , allowing you to pay off the balance or just enjoy a generous interest -free year and a half. You will also have 6 months 0% APR on purchases. Did we mention he no annual fee so you can enjoy $ 0 interest for a year and a half without having to pay for the privilege? And unlike most other balance transfer cards, it also has great rewards - 5% cash back in quarterly rotating categories (note: you must register quarterly for this bonus ) and 1% cash back on all other purchases . Best of all, at the end of your first year out will double the cash you earned! This means that if you won $ 250 in cash back, Discover will give you another $ 250 for a total of $ 500 cash back you first year - a pretty great bonus recovery. Also, unlike most other Discover balance transfer cards, he no foreign transaction fees . There is a 3% balance transfer fee, but depending on the amount you currently pay the interest that it might be worth it. Also, if you happen to pay your bill late, it is no penalty in April and no late fees for payment for your first late payment.
Citi Simplicity
Similar to the Chase Slate Card, Citi Simplicity (a NextAdvisor seller) is a smart way to save on interest charges by transferring your current balances and not to map -Low interest. Citi Features Simplicity no annual fee, no late fees, no rate penalty and amazing 21 months 0% Intro APR on balance transfers and purchases , allowing you to pay $ 0 interest for more than a year and a half. It has a 3% balance transfer fee, but depending on how you move and what your current interest rate is that it might be worthwhile for the exceptionally long 0% APR (see our transfer calculator balance to determine if this card is best for you). The fact that you will not be charged a late fee and your APR will not sign up if you pay late is remarkable. These benefits are particularly important for the payment of bills procrastinators and anyone who enters into a situation where they are not able to pay their monthly bills on time.
Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and has not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but the terms and conditions of card can change at any time. This site may be compensated by the sending credit card affiliate program.