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NATIONWIDE CREDIT CARD RATING 2021/2022
Best No Annual Fee Credit Card

How do you choose the best credit card? See credit card ratings, reviews, and rankings. Credit Card Ranking lists are built by lots of people just like you who either had a really bad experience with a certain credit card or an amazing one. In other words, our ratings are based on the “wisdom of the crowd.” With every vote, any credit card’s score can either go up or down. It is all up to the people.

CREDIT CARDS RATING

Best No Annual Fee Credit Card independent ratings & consumer reviews.

Card Category: Best Cash Back Credit Card

Annual Fee: $0

Purchase Intro APR: N/A

Rewards Rate: 1 - 4% Cash Back

Transfer Intro APR: N/A

Regular APR: 15.24% (V)

Card Issuer: Citi Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

263
VOTERS
98%
4
2%
Ranking: #1
star-ratings
4,9

Make every day more rewarding with the Costco Anywhere Visa® Card by Citi. Earn up to 4% in cash back rewards on eligible purchases anywhere Visa is accepted. A Costco membership is required to apply. Join Costco today.
Redeeming Costco Cash Rewards. Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U.S. Costco Warehouses.

Card Category: Best No Annual Fee Credit Card

Annual Fee: $0

Purchase Intro APR: None

Rewards Rate: None

Transfer Intro APR: Min Deposit of $49, $99 or $200

Regular APR: 26.99% (V)

Card Issuer: Capital One Credit Cards

Credit Score: Best Credit Cards for No Credit History

250
VOTERS
98%
6
2%
Ranking: #2
star-ratings
4,9
  • Take control and build your credit with responsible use. Required Security Deposit: $49, $99, or $200 refundable minimum security deposit. Access to an authorized bank account is required to make your security deposit.
  • Initial Credit Line. Make the minimum required security deposit and you’ll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line.
  • Automatic Credit Line Reviews. Be automatically considered for a higher credit line in as little as 6 months.
  • Personalized Payment. Pick your own monthly due date and payment method—check, online, or at a local branch.

Card Category: Best Business Credit Card

Annual Fee: $0

Purchase Intro APR: 0% for 12 months

Rewards Rate: 1 - 2% Cash Back

Transfer Intro APR: N/A

Regular APR: 13.24% - 19.24% Variable

Card Issuer: American Express Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

158
VOTERS
97%
5
3%
Ranking: #3
star-ratings
4,8

Earn Up To $300 In Statement Credits. You Can Earn Up To $100 In The Form Of Statement Credits At The Each Of The Following Merchants: Dell Technologies, DocuSign, or FedEx After You Make Eligible Purchases With Your New Card Within The First 3 Months Of Card Membership.

Card Category: Best 0% APR Credit Card

Annual Fee: $0

Purchase Intro APR: None

Rewards Rate: None

Transfer Intro APR: 0% for 18 months | Transfer Fee: 3% (min $5)

Regular APR: 14.74% - 24.74% (V)

Card Issuer: Citi Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

153
VOTERS
95%
7
5%
Ranking: #4
star-ratings
4,8

Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
You’re completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise.

Card Category: Best No Annual Fee Credit Card

Annual Fee: $0

Purchase Intro APR: 0% for 15 months

Rewards Rate: 1 - 3% Cash Back | Bonus $150

Transfer Intro APR: N/A

Regular APR: 13.99% - 23.99%

Card Issuer: American Express Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

171
VOTERS
95%
8
5%
Ranking: #5
star-ratings
4,8

❯ Explore the power of the Blue Business® Plus Credit Card. You can earn up to $100 in the form of statement credits per merchant after you make an eligible purchase on your new Card during your first 3 months of Card Membership at each of these merchants: Dell Technologies, DocuSign, and FedEx.

Card Category: Best Cash Back Credit Card

Annual Fee: $0

Purchase Intro APR: 0% for 15 months

Rewards Rate: 1 - 3% Cash Back | Bonus $200

Transfer Intro APR: 3%

Regular APR: 13.99% - 23.99% (V)

Card Issuer: Bank of America

Credit Score: Best Credit Cards for Good Credit

119
VOTERS
94%
7
6%
Ranking: #6
star-ratings
4,7

The Bank of America® Cash Rewards credit card* is ideal for existing or new BofA customers. It allows you to choose a purchase category to earn 3% cash back (with a spending cap), and BofA’s preferred rewards program enables you to increase your rewards by as much as 75%.

Card Category: Best 0% APR Credit Card

Annual Fee: $0

Purchase Intro APR: 0% for 15 months

Rewards Rate: 1.5% Cash Back | Bonus $150

Transfer Intro APR: N/A

Regular APR: 15.49% - 25.49%

Card Issuer: Capital One Credit Cards

Credit Score: Best Credit Cards for Fair Credit

97
VOTERS
94%
6
6%
Ranking: #7
star-ratings
4,7

Earn unlimited 1.5% cash back on every purchase, every day. Plus, a $150 Cash Bonus. Unlimited Rewards: Earn unlimited 1.5% cash back on every purchase, every day. New Cardmember Offer: Earn a one-time $150 cash bonus once you spend $500 on purchases within 3 months from account opening.

Card Category: Best Balance Transfer Credit Card

Annual Fee: $0

Purchase Intro APR: 0% for 15 months

Rewards Rate: 1 - 2 points / $1 | Bonus 15.000 points

Transfer Intro APR: 0% for 15 months | Transfer Fee: 3% (min $5)

Regular APR: 13.49% - 23.49%

Card Issuer: Citi Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

248
VOTERS
94%
16
6%
Ranking: #8
star-ratings
4,7

The Citi Rewards+ Card is the only card that automatically rounds up to the nearest 10 points on every purchase – a $2 cup of coffee can earn 10 points. All with No Annual Fee.

With the Citi Rewards Card, you can make the most of your everyday purchases by earning double ThankYou® Points at the supermarket and gas stations, for the first $6,000 per year and then 1 point on all other purchases. You can redeem for things like gift cards or for travel rewards. One of Citi’s best rewards credit cards, the Citi Rewards+℠ Card gives you all this with a low introductory APR and no annual fee.

Card Category: Best 0% APR Credit Card

Annual Fee: $0

Purchase Intro APR: 0% for 15 months

Rewards Rate: 1.5% Cash Back | Bonus $150

Transfer Intro APR: N/A

Regular APR: 5.49% - 25.49%

Card Issuer: Chase Credit Cards

Credit Score: Best Credit Cards for Good Credit

237
VOTERS
90%
23
10%
Ranking: #9
star-ratings
4,5

Earn cash back for every purchase. Earn 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate, Earn 5% cash back on travel purchased through Chase, 3% on dining including takeout and drugstores, and 1% on all other purchases.

$200 bonus plus 5% cash back grocery store offer. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.*Same page link to Offer Details And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Card Category: Best 0% APR Credit Card

Annual Fee: $0

Purchase Intro APR: N/A

Rewards Rate: 2% Cash Back

Transfer Intro APR: 0% for 18 months | Transfer Fee: 3%

Regular APR: 13.99 - 23.99% Variable

Card Issuer: Citi Credit Cards

Credit Score: Best Credit Cards for Excellent Credit

116
VOTERS
72%
33
28%
Ranking: #10
star-ratings
3,6

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.

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