No Annual Fee Credit Cards Bad Credit

No Annual Fee Credit Cards Bad Credit |‌‌ ‌Payday‌ ‌Champion‌

Chase Freedom Flex(sm).

Chase Freedom Flex is a great card. There are no annual fee credit cards for bad credit, you don’t need to apply and multiple benefits. Spend $500 in the first three months to get $200 cash back. Additional benefits include a 0% APR for purchases, variable rates between 15.99% and 23.74%, as well as a $200 cash reward.

Discover It(r) to get cash back

This card is great because it doesn’t have to be paid any annual fees. With the Discover It Cashback, you can receive 5% cashback each quarter. 

This applies to rotating categories such as gas stations or PayPal payments qualify for 5% cashback, up to the quarterly maximum. 

All purchases are eligible for a maximum of 1% cashback up to a quarterly maximum. All other purchases are eligible to receive a 1% cashback up to a maximum quarterly maximum. Cardholders don’t have to pay an annual fee. Discover will match your cashback earnings after the first year.

Bank of America (r), Customized cash rewards Credit Cards

This card is ideal for credit cards because it doesn’t have an annual fee. The card offers significant rewards. You can get 3% cashback online, at gas stations and other places. You will get 2% cashback on grocery store and wholesale club purchases. After spending $1,000, you will receive $200 cash rewards

American Express Blue Cash Everyday (r), Card

This card is a great choice because it doesn’t have an annual fee. Blue Cash Everyday Card provides 3% cashback at U.S. supermarkets for purchases up to $6,000 annually, 1% back at selected U.S. department shops and U.S.

gasoline stations and 1% back on all other purchases. The 15-month introductory 0% APR is very attractive. This rate is effective from the day you open your account. 

Rates were variable at that time, and ranged from 13.99% to 23.99%. If you spend $2,000 in the first six months, $100 will be refunded. A new cardholder will receive 100 percent if they spend $2,000 in the first six months.

Chase Freedom Unlimited(r)

This card is great because it doesn’t have an annual fee. Chase Freedom Unlimited card offers 5% cashback on travel purchases via Chase Ultimate Rewards, and 3% cashback on dining out and drugstore purchases. 

All purchases qualify for 1.5% cashback. A $200 bonus will be given to new cardholders who spend $500 within the first three months. A $200 sign-up bonus will be given to new cardholders who spend $500 in the first three months.

Discover it(r) chrome

This card is free of annual fees and makes it an excellent choice. Cardholders of Discover it Chrome receive a 14-month 0% introductory rate for purchases and balance transfers. After that, the variable 11.99% to 22.99% annual percentage rate will apply. There is no annual fee. The card does not have an annual fee.

Explore it(r) Miles

The card is free of annual fees and makes it an excellent choice. Discover it Miles will award 1.5 miles for every dollar spent. These miles can be converted into cash or used to travel. Discover will match Discover miles up to the end of the first year. Discover will match all miles earned in the first year. There is no annual fee.

Citi Rewards+ Card

The card does not require that you pay annual fees. Citi Rewards+ Card gives you 20,000 bonus points when you spend $1,500 in three months. 

These points can be used to redeem gift certificates worth $200. Two points can be earned per dollar at gas stations and supermarkets. You can earn up to 10 points for every dollar spent. Read our full review.

Citi Custom Money sm, Card

Based on which spending category you use the most frequently each billing cycle, the card will offer 5% cashback. Cardholders’ spending habits can affect the classification. Cardholders can maximize cashback rewards by signing up for rotating bonus categories or paying an annual fee. Read our complete review.

Hilton Honors American Express Card

This card is top-rated and doesn’t require an annual fee. Cardholders will receive seven bonus points for every dollar spent at a Hilton hotel. Cardholders will earn five bonus points for every dollar spent at U.S.

gas stations, U.S. grocery stores, and U.S. restaurant chains. All other eligible purchases are eligible for three bonus points. You will get an additional 80,000 Hilton Honors Bonus Point to your account. 

This bonus point will be added after spending $1,000 on the Hilton Honors American Express card. Spend $1,000 within three months on the Hilton Honors American Express Card to earn 50,000 Hilton Honors bonus points

Citi Simplicity(r) Card

This card is ideal for those who don’t want to pay an annual fee. Citi Simplicity Card has a lengthy 18-month 0% yearly rate that can be used for balance transfer and purchase. If you miss a payment, there is no penalty or late fee. There is no late fee or penalty for missing a payment.

American Express Cash Magnet and Credit Card

The card does not have an annual fee. Some customers might find simple rewards appealing. All purchases qualify for 1.5% cashback. You can use this cashback to buy gift cards, statement credit, or products.

U.S. News Survey: 70% of American Credit cardholders have a card with no fees

U.S. News conducted an internet survey and found that 67.2% have at least one credit card. 70% of respondents have credit card accounts that don’t charge an annual fee. Although 80.1% are happy with their cards’ benefits, 46.8% worry about what they will get next.

U.S. News Survey Methodology

  • U.S. U.S. News conducted an extensive nationwide survey of 1,356 individuals via PureSpectrum, between October 12th-2021. Only those with at least one credit score were eligible to answer these questions.
  • This survey sample was drawn from the American population.
  • Nine questions were asked about credit card habits.

Methodology for Finding the Best Credit Card With No Annual Fees

Since 2000, U.S. News has helped consumers make financial decisions. We consider the following: Issuer satisfaction; rewards earning rate, annual percentage rate, introductory APR lengths, sign-up bonus value; and tips cardholders making rate. The U.S. News annual Consumer Survey provides data on issuer satisfaction.

These are our top choices for the best cards that don’t require an annual fee. Many benefits and other rewards are available. Some credit cards offer introductory APRs so that cardholders can transfer or buy their balances. Which card is right for you depends on your financial goals and spending habits.


payments on time
statement credit
foreign transaction fees
200 initial credit line
additional deposit
balance transfers
higher credit line
unsecured credit cards
impacting your credit score
mind with 0 fraud
cards for bad credit
capital one platinum secured
checking account
cash back reward
gas stations and restaurants
building your credit
discover it secured credit
products and services
people with bad credit
earn 2 cash

Author: Jay Batson

My Name is Jay has and I have a passion for financial writing. I am the chief writer on this blog. I do my best to verify all the information but if there is anything amiss please let me know and I will do my best to correct it.

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