Picking a no annual fee credit card can be tough, seeing as they all have one major thing in common. But finding the best no annual fee credit card for your needs is simply a matter of deciding how you’re going to use it.
If you want to lock your card in a drawer to build credit without being tempted to overspend, it doesn’t really matter which particular no-fee card you get.
If you plan to make everyday purchases and pay your monthly bill in full, focus on finding rewards that suit your lifestyle. Most people should opt for cash back, but frequent travelers can score big-time savings from the best travel rewards cards.
If you want to finance a big purchase or transfer a balance, look for the longest 0% intro period and, if applicable, watch out for transfer fees.
Finally, if you want to skip the heavy lifting without sacrificing any savings, sign up for a free WalletHub account. We’ll give you a personalized credit card recommendation based on your latest credit score and report.
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