The Chase Sapphire Preferred is going to give you the most well-rounded set of benefits. It has a solid SUB, it has great protections for purchases and travel, and a solid earning rate. The other great benefit is the flexibility in how you spend your points. You can transfer to partners at good rates, spend in the portal at 1.25x bonus, or simply cash out at 1cpp. The flexibility alone makes this card the *ahem* Preferred card... Answer from No-Shortcut-Home on reddit.com
Discussions

Credit Cards w/ Big Benefits & No Annual Fee - myFICO® Forums - 6164155
I am at a really good place in the garden, but something keeps popping up in my mind. One of the cards I obtained a couple of years back is the PenFed Pathfinder card. I love this card, I mean who wouldn't ($100 in travel incidentals every year with no annual fee). There have to be other cards ou... More on ficoforums.myfico.com
🌐 ficoforums.myfico.com
October 19, 2020
What is the best value ~$95 annual fee card?
The Chase Sapphire Preferred is going to give you the most well-rounded set of benefits. It has a solid SUB, it has great protections for purchases and travel, and a solid earning rate. The other great benefit is the flexibility in how you spend your points. You can transfer to partners at good rates, spend in the portal at 1.25x bonus, or simply cash out at 1cpp. The flexibility alone makes this card the *ahem* Preferred card... More on reddit.com
🌐 r/CreditCards
141
104
May 17, 2024
Best Travel Credit Card with low or no Annual fee?
Since you Custom Cash you can look at Citi Strata Premier and Double Cash. For what you're doing it's probably a better setup than Chase. If you want a no annual fee setup you can get Wells Fargo Autograph, Active Cash, and maybe add Attune. VentureX and SavorOne is a good option too if you want airport lounge access, but it does force you to use the Capital One portal for the $300 credit. More on reddit.com
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14
3
June 23, 2024
What are your top no AF credit cards?
Fidelity Visa card More on reddit.com
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73
68
September 14, 2024
People also ask

Who offers credit cards with no annual fee?

Most of the major credit card issuers, like Chase, Amex, Citi, Capital One and Bank of America, all offer credit cards that don't charge annual fees.

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cnbc.com
cnbc.com › cnbc select › credit cards › 5 best credit cards that waive your first annual fee in 2026
5 best credit cards that waive your first annual fee in 2026
Can you get credit cards with no annual fee for bad credit?

There are limited no-annual-fee credit cards to choose from when you have bad credit. We recommend reviewing our list of the best credit cards for bad credit to compare your options.

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forbes.com
forbes.com › advisor › credit-cards › best › no-annual-fee
Best No Annual Fee Credit Cards – Forbes Advisor
When do you pay an annual fee for a credit card?

Credit card annual fees are typically paid once per year in the month coinciding with when you first opened the card. New cardholders will typically need to pay their first annual fee when receiving their first billing statement.

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forbes.com
forbes.com › advisor › credit-cards › best › no-annual-fee
Best No Annual Fee Credit Cards – Forbes Advisor
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Bank of America
bankofamerica.com › bank of america › credit cards › credit cards with no annual fee
Credit Cards with No Annual Fee from Bank of America
Credit cards with no annual fee offer the flexibility of credit without the cost of a yearly fee. Apply online.
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Yahoo! Finance
finance.yahoo.com › personal finance › credit cards
Best travel credit cards for January 2026: Earn free flights, hotel stays, and more
7 hours ago - Why we like it: We like the Capital One Venture X Rewards Credit Card because it has no shortage of great perks and rewards, but offers a relatively lower annual fee.
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CNBC
cnbc.com › cnbc select › credit cards › 5 best credit cards that waive your first annual fee in 2026
5 best credit cards that waive your first annual fee in 2026
2 weeks ago - Best for Delta flyers: Delta SkyMiles® Gold American Express Card (see rates and fees) Best for small businesses: Capital One Spark Miles for Business · Who’s this for? The Amex Blue Cash Preferred is a great option if you typically spend a lot on groceries, as it offers an excellent cash back rate: 6% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%). The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Annual fee: $0 for the first year, then $95 (see rates and fees)
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Forbes Advisor
forbes.com › advisor › credit-cards › best › no-annual-fee
Best No Annual Fee Credit Cards – Forbes Advisor
2 weeks ago - For example, the Capital One Venture Rewards Credit Card (rates & fees) charges a $95 annual fee and earns a base rate of 2X miles per dollar while the Capital One VentureOne Rewards Credit Card (rates & fees) earns a base rate of 1.25X miles ...
Find elsewhere
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CNBC
cnbc.com › cnbc select › credit cards › 5 credit cards with annual fees under $100 that still have loads of perks and benefits
Best Credit Cards With Annual Fees Under $100 of October 2025
October 1, 2025 - The Capital One Venture Rewards Credit Card offers the best rewards rate on select hotel purchases: Earn 5X miles per dollar on hotels and rental cars booked through Capital One Travel and 2X miles per dollar spent on all other spending, which ...
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Credit Karma
creditkarma.com › credit-cards › low-interest
Best Low-Interest Credit Cards for January 2026
3 weeks ago - Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria. Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.
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Chase
creditcards.chase.com › no-annual-fee-credit-cards
Compare No Annual Fee Credit Cards | Chase
Find the best Chase no annual fee credit cards with cash back, rewards, and sign up bonuses. Compare our different card benefits and apply today for a no annual fee credit card today.
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Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › categories › no-annual-fee.html
No Annual Fee Credit Cards - Mastercard
Find no annual fee credit cards from Mastercard. Compare cards from our partners, view offers, and apply online for the credit card that best fits your needs.
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Credit Karma
creditkarma.com › credit-cards › no-annual-fee
Best No Annual Fee Credit Cards of August 2025
How we picked the best no annual fee credit cards Our best no annual fee credit cards include several types of credit cards, including low-interest cards and credit-building cards. For the most part, though, we focused on choosing rewards cards. We picked cash back cards that suit various needs, from flat-rate cash back to bonus rewards, and selected travel cards that provide quality rewards at no upfront cost.
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American Express
americanexpress.com › us › credit-cards › category › no-annual-fee
No Annual Fee Credit Cards | American Express
Explore American Express No Annual Fee Cards. Enjoy the benefits of American Express Membership with no annual fee. Apply today. Terms apply.
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The Motley Fool
fool.com › motley fool money › credit cards › best no annual fee cards
Best No Annual Fee Credit Cards of 2026 | The Motley Fool
December 8, 2025 - Earn unlimited 1.5% on every purchase, plus a limited-time $750 welcome bonus to boost your rewards right away. With no annual fee, 0% intro APR for 12 months on purchases, and free employee cards, it’s a low-maintenance card that delivers big value from day one.
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U.S. News
money.usnews.com › home › credit cards › best no-annual-fee credit cards of november 2025
Best No-Annual-Fee Credit Cards of November 2025 | U.S. News
November 7, 2025 - A credit card with no annual fee is the most economical choice, especially if you don't plan to use your card often. But rest assured, the best cards with no annual fees do come with plenty of perks, such as a 0% introductory APR, low interest rates and enticing rewards.
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The Points Guy
thepointsguy.com › credit-cards › best-cards-under-100-annual-fee
The best credit cards with annual fees under $100 - The Points Guy
September 25, 2025 - Learn more: Capital One Venture Rewards Credit Card · The Blue Cash Preferred is one of the best cash-back cards out there. Annual fee: $0 introductory annual fee for first year, then $95
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Discover
discover.com › credit-cards › no-annual-fee-credit-cards
No Annual Fee Credit Cards | Discover
You simply handle purchases, any balance transfer or other account activity without paying or financing an annual fee on top of it all. ... Because every Discover credit card has no annual fee, your rewards simply stay in your pocket.
Address   2500 Lake Cook Road, 60015, Riverwoods
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Bankrate
bankrate.com › global › credit cards › advertiser disclosure category pages
Best No Annual Fee Credit Cards for January 2026 | Bankrate
4 days ago - When I’m going out for a quick errand or event, I usually grab my Quicksilver because it’s low cost and will earn rewards no matter where I go.” – India Davis, Bankrate credit cards editor Alternatives: Still for no annual fee, the Capital One Savor card offers a higher boosted rewards ...
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myFICO
ficoforums.myfico.com › t5 › Credit-Cards › Credit-Cards-w-Big-Benefits-amp-No-Annual-Fee › td-p › 6164155
Credit Cards w/ Big Benefits & No Annual Fee - myFICO® Forums - 6164155
October 19, 2020 - No longer available for new applicants, but Bank of America's Better Balance Rewards offers a $25 statement credit each quarter if you pay in full (or at least more than the minimum payment) each month. ($30 if you have a BOA checking or savings account.). Up to $120/year. ... Amex offers are nice. Especially the Shop Small offer that ran until last month. If you had other Amex network cards like the WF/NFCU ones, there's potential to milk offers like that even more. AOD 3% card with low APR and minimal/no fees for things like CA/BT, I'd consider those terms a benefit in itself
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Yahoo! Finance
finance.yahoo.com › personal-finance › credit-cards
Latest credit card rates, reviews, & comparisons - Yahoo Finance
November 13, 2025 - Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months · The Amex Blue Cash Preferred has one of the highest cash-back rates available for making purchases in common spending categories, ...