The best card for excellent credit with no annual fee depends on the type of card you want. It’s best to get a card that matches your specific needs and preferences.
For example, the Bank of America® Travel Rewards credit card card is a great choice for travel enthusiasts. It gives 25,000 points after you spend just $1,000 in the first 90 days you own the card. Also, you 1.5 points per $1 spent on all purchases.
There are other cards for other types of people too. The bottom line is that if you have a spotless credit history, you should have little trouble getting the right card with your most desired features.
But keep in mind that even with excellent credit, you won’t always get the best value from a card with no annual fee.
Most high-tier cards charge annual fees to defray the cost of the benefits and rewards they offer. Generally, the higher the annual fee, the more lucrative the perks. Some cards will also waive the annual fee for the first year in the hope of enticing new customers.
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