Chip Lupo, Credit Card Writer
@CLoop
The hardest credit card to get with no annual fee is the Honor Credit Union Select Rewards Credit Card, in part because it requires excellent credit, which means you need a credit score of at least 750 to have high odds of approval. You must also meet specific requirements to be eligible to join Honor Credit Union.
The Honor Credit Union Select Rewards Credit Card is a good rewards credit card, in addition to being hard to get. It offers 2 points per $1 spent on purchases, along with its $0 annual fee.
Hardest Credit Cards to Get with No Annual Fee
- Credit Union: Honor Credit Union Select Rewards Credit CardLearn MoreLearn More
- Credit Union: Honor Credit Union Select Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Credit Union: Honor Credit Union Select Rewards Credit CardLearn MoreLearn More
- Travel and Dining: U.S. Bank Altitude® Connect Visa Signature® CardLearn MoreLearn More
- Travel and Dining: U.S. Bank Altitude® Connect Visa Signature® CardLearn MoreLearn Moreon issuer's website
- Travel and Dining: U.S. Bank Altitude® Connect Visa Signature® CardLearn MoreLearn More
- Low APR and Rewards: Bank of America® Unlimited Cash Rewards credit cardLearn MoreLearn More
- Low APR and Rewards: Bank of America® Unlimited Cash Rewards credit cardLearn MoreLearn Moreon issuer's website
- Low APR and Rewards: Bank of America® Unlimited Cash Rewards credit cardLearn MoreLearn More
- Flat Rewards Rate: PNC Cash Unlimited® Visa Signature® Credit CardLearn MoreLearn More
- Flat Rewards Rate: PNC Cash Unlimited® Visa Signature® Credit CardLearn MoreLearn Moreon issuer's website
- Flat Rewards Rate: PNC Cash Unlimited® Visa Signature® Credit CardLearn MoreLearn More
- College Savings: Fidelity 529 Credit CardLearn MoreLearn More
- College Savings: Fidelity 529 Credit CardLearn MoreLearn Moreon issuer's website
- College Savings: Fidelity 529 Credit CardLearn MoreLearn More
- 0% Intro APR: BankAmericard® credit cardLearn MoreLearn More
- 0% Intro APR: BankAmericard® credit cardLearn MoreLearn Moreon issuer's website
- 0% Intro APR: BankAmericard® credit cardLearn MoreLearn More
- Students: Bank of America® Unlimited Cash Rewards credit card for StudentsLearn MoreLearn More
- Students: Bank of America® Unlimited Cash Rewards credit card for StudentsLearn MoreLearn Moreon issuer's website
- Students: Bank of America® Unlimited Cash Rewards credit card for StudentsLearn MoreLearn More
- Business: PNC Cash Rewards® Visa Signature® Business Credit CardLearn MoreLearn More
- Business: PNC Cash Rewards® Visa Signature® Business Credit CardLearn MoreLearn Moreon issuer's website
- Business: PNC Cash Rewards® Visa Signature® Business Credit CardLearn MoreLearn More
- Credit Union:
- Travel and Dining:
- Low APR and Rewards:
- Flat Rewards Rate:
- College Savings:
- 0% Intro APR:
- Students:
- Business:
The hardest no-annual-fee credit cards to get generally require good to excellent credit to qualify. Before you apply, sign up for a WalletHub account and check your credit score for free to see where you stand. In addition to your credit score, your odds of approval will depend on factors such as your income, existing debt, number of open accounts, recent credit inquiries, employment, and housing status.
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People also ask
What is the most exclusive credit card ever?
The most exclusive credit card ever is the Centurion® Card from American Express – often referred to as the Amex Black Card. The Black Card was introduced in 1999 for the rich and powerful and has remained the most exclusive credit card on the market ever since.
The Centurion Card is so exclusive due to how difficult and expensive it is to obtain. You can only gain access by invitation, as the card does not accept applications. Unconfirmed...
read full answer by Ryan P Page, Staff WriterWhat are the most elite credit cards with no annual fee?
The most elite credit cards with no annual fee are the Wells Fargo Active Cash® Card and the Chase Freedom Unlimited® card. Both have excellent rewards, offer introductory APRs on purchases and balance transfers, and don’t charge annual fees.
Most Elite Credit Cards with No Annual Fee
Minimum Credit Limit: $1,000
Initial Bonus: $200 cash rewards after spending $500 on purchases in the first 3 months
Ongoing Rewards: 2% cash rewards on purchases
Foreign Transaction Fee: 3%
Annual Fee: $0
Credit Score: Good
Minimum Credit Limit: Not disclosed
Initial Bonus: $250 statement credit for spending $3,000 on eligible purchases in the first 6 months
Ongoing Rewards: 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at eligible U.S. gas stations and on transit, and 1% back on other eligible purchases, received as rewards dollars (which can be redeemed as a statement credit and at Amazon.com checkout)
Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars
Annual Fee: $0 intro 1st yr, $95 after
Credit Score: Good
Minimum Credit Limit: N/A
Initial Bonus: 10,000 points after spending $500 or 20,000 points after spending $1,000 in the first 90 days
Ongoing Rewards: 3 points per $1 spent on dining and entertainment purchases, 2 points per $1 spent on gas and grocery store purchases, and 1 point per $1 spent on all other purchases
Foreign Transaction Fee: 0%
Annual Fee: $0
Credit Score: Good
Minimum Credit Limit: N/A
Initial Bonus: N/A
Ongoing Rewards: 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
Foreign Transaction Fee: 3%
Annual Fee: $0
Credit Score: Good
Minimum Credit Limit: $300
Initial Bonus: N/A
Ongoing Rewards: 1% cash back on all eligible purchases, up to 1.25% back after 6 months of on-time payments, and 1.5% cash back after 12 consecutive months of paying on time
Foreign Transaction Fee: 0%
Annual Fee: $0
Credit Score: Limited History
Minimum Credit Limit: N/A
Initial Bonus: 30,000 points after spending $3,000 within the first 90 days
Ongoing Rewards: 2 points per $1 spent on all purchases
Foreign Transaction Fee: 3%
Annual Fee: $0
Credit Score: Good
At the end of the day, elite and no annual fee are not always synonymous when it comes to credit cards. Cards with annual fees tend to offer more...
read full answer by Maria Adams, Credit Cards ModeratorWhat is the rarest credit card in the world?
The Centurion® Card from American Express is the rarest credit card in the world. Also known as the "Black Card," it requires an invitation to apply, and customers reportedly need to spend $350,000+ per year on other Amex credit cards and have at least $1 million in income to qualify. With a staggering annual fee of $5,000, a one-time initiation fee of $10,000, and strict eligibility requirements, this card is found only in the wallets of a few very...
read full answer by Adam McCann, Financial WriterDid we answer your question?
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