Do you hate worrying about ways to offset the credit card annual fee? Then, it’s time to get a credit card with no annual fee. 

There are plenty of credit card alternatives out there that provide a bouquet of offerings without charging any annual fee. With so many options available, your confusion is justified. 

In this article, three of the best credit cards with no annual fee have been highlighted. You can find out all about the Blue Cash Everyday® Card, Discover it® Chrome, and Chase Freedom Flex, and also learn how to apply. Read on to learn more.

Discover the Best Credit Cards with No Annual Fee and Learn How to Apply

Blue Cash Everyday® Credit Card

The Blue Cash Everyday® Card from American Express is ideal for users who love to bank on rewards, bonuses, cashback every day. In addition to a list of generous offerings, the credit card flaunts great online account management service. 

The most exciting thing about having a Blue Cash Everyday® Card is the $150 introductory bonus, which is available if you spend $1,000 within the first 6 months.

Cardholders can enjoy $0 annual fee for the first year, after which the $95 per year is charged. Cardholders can also reap benefits of the 0% intro APR on purchases for the first 15 months.

Eligibility Criteria

In order to apply for this card, you must be 18 years old or older, and you must be a U.S. citizen or a permanent U.S. resident. 

You must be able to provide your Social Security Number, or passport, you must be able to prove a steady source of income and have good to excellent credit score, and you must not be currently bankrupt.

How to Apply for the Blue Cash Everyday® Card

Thanks to technological advancement, you can now apply for the credit card of your choice from the comfort of your home. 

You can submit an online application by providing your name and date of birth, email address, home address, phone number, and financial information, such as your income source, total annual income, and non-taxable annual income.

Interest Rates and Fees

When applying for the Blue Cash Everyday card, it is important to be aware of the fees and interest charged. Below is a list of fees that come with the Credit Card.

  • APR for purchases: 0% introductory APR for the first 15 months from the date of account opening, then your APR will be 13.99% to 23.99%
  • APR for cash advances: 25.24%
  • Penalty APR: 29.24%
  • Plan fee: 0% introductory plan fee on each purchase moved into a plan during the first 15 months, then your plan fee will be up to 1.33%
  • No annual fee
  • Cash advance fees: either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign transaction fees: 2.7% of each transaction after conversion to U.S. dollars
  • Late Payment fee: up to $40
  • Returned payment fee: up to $40

Contact Info

If you would like to get in contact with a American Express representative, you can reach them by calling 1 (800) 528-4800. Their head address is 200 Vesey Street, New York City, New York, United States.

Disclaimer: There are risks involved when applying for and using credit products. Consult the bank’s terms and conditions page before agreeing to anything.

Discover the Best Credit Cards with No Annual Fee and Learn How to Apply

Discover It® Chrome Credit Card

Another card you may consider is the Discover it® Chrome. Not only does this card have no annual fee, but it also has some lucrative rewards ready for you to take advantage of. 

Cardholders do not incur any foreign transaction fee. The card provides 2% cashback rewards for every dollar you spend at restaurants and gas stations and 1% cashback on other purchases.

Moreover, the Discover it® Chrome Card will double your cashback for the first year. In case you lose the card, you can get a free overnight card replacement.

Eligibility Criteria

You must meet the following criteria in order to apply for this card. You must be 18 years old or older, you must be a U.S. resident, and you must have a credit score of 700 or more.

You must also not be currently bankrupt, and you must be able to provide all personal and financial documents required.

How to Apply for the Discover it® Chrome Credit Card

The online application for the Discover it® Chrome Credit Card takes only a few minutes. You will need to provide your name and date of birth, home address, email address, Social Security Number, citizenship and employment status, and total gross income.

Discover will run a prompt check of your credit reports and financial information. You may expect to receive a verdict within a few minutes of application. 

Interest Rates and Fees

When applying for the Discover it® Chrome Card, it is important to be aware of the fees and interest charged. Below is a list of fees that come with the Credit Card.

  • APR for purchases: 0% intro APR for 14 months from date of account opening, then your APR will be 11.99% to 22.99%
  • APR for balance transfers: 0% intro APR for 14 months from date of account opening, then your APR will be 11.99% to 22.99%
  • APR for cash advances: 24.99%
  • Penalty APR: none
  • Minimum Interest Charge: if you are charged interest, the charge will be no less than $.50
  • No annual fee
  • Balance Transfer fees: intro fee of 3% of the amount of each transfer for transfers that post to your account by February 10, 2021 with the 0% intro APR balance transfer offer described above; after that, it will be 5%
  • Cash advance fees: either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late payment fee: None the first time you pay late, after that, up to $40
  • Returned payment fee: up to $40

Contact Info

If you would like to get in contact with a Discover representative, you can reach them by calling 1-800-347-2683. Their head address is 2500 Lake Cook Rd., Riverwoods, IL, 60015.

Disclaimer: There are risks involved when applying for and using credit products. Consult the bank’s terms and conditions page before agreeing to anything. 

Chase Freedom Flex Credit Card

The Chase Freedom Flex Credit Card is another no annual fee credit card that offers generous cashbacks. It will allow you the opportunity to earn a $200 introductory bonus, which is available after spending $500 in the first 3 months.

It also provides a 5% cashback on up to $1,500 on bonus categories and travel purchases. You can get a 3% cashback on dining, takeout, and drugstores, and 1% cashback on all other purchases.

It boasts a 15-months period of waived purchase APR. Best of all, the cashback rewards do not expire.

Eligibility Criteria

In order to apply for this card, you must be 18 years old or older, you must be a U.S. resident, and you must have good to excellent credit score of over 690.

You must also not be suspected or involved in fraud, and you must not be currently bankrupt or legally restricted from obtaining credit.

How to Apply for the Chase Freedom Flex Credit Card

You can apply for the Chase Freedom Flex card online by simply filling up an online application form. You will need to provide your name and date of birth, mailing address, email address, Social Security Number or ITIN, source of income and total annual income.

The bank will check your credit score before approving the application. Even though having a good to excellent credit score can enhance your chances, the credit score alone will not guarantee approval. 

Interest Rates and Fees

When applying for the Chase Freedom Flex card, it is important to be aware of the fees and interest charged. Below are a list of fees that come with the Credit Card.

  • Purchase APR: 0% Intro APR for the first 15 months that your Account is open, then it will be 14.99% to 23.74%
  • My Chase Loan APR: 14.99% to 23.74%
  • Balance transfer APR: 14.99% to 23.74%
  • Cash Advance APR: 24.99%
  • No Minimum Interest Charge
  • No annual fee
  • My Chase Plan Fee: 0% of the amount of each purchase transaction selected to create a My Chase Plan while in the 0% Intro Purchase APR period, then it will be 1.72%
  • Balance transfer fees: either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash advance fees: either $10 or 5% of the amount of each transaction, whichever is greater
  • Foreign transaction fees: 3% of the amount of each transaction in U.S. dollars
  • Late payment fee: up to $39
  • Returned payment fee: up to $39

Contact Info

Discover the Best Credit Cards with No Annual Fee and Learn How to Apply

If you would like to get in contact with a Chase representative, you can reach them by calling 1-800-935-9935. Their head adress is 270 Park Ave. New York, NY 10017.

Disclaimer: There are risks involved when applying for and using credit products. Consult the bank’s terms and conditions page before agreeing to anything.

Conclusion

The credit cards highlighted in this article do not charge any annual fee. While these are primarily cashback cards, you can choose one based on the overall features and your personal requirements.