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Best Credit Cards for August 2022 Without Annual Fees

Best Credit Cards for August 2022 Without Annual Fees
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Best Credit Cards for August 2022 Without Annual Fees

These credit cards don’t require an annual fee and include incentives, welcome bonuses, and promotional APRs.

Best cash-back credit card with no annual fee

Chase Freedom Flex℠

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Intro Offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
APR
16.49% – 25.24% Variable
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Recommended Credit
Excellent, Good
Reward Rates
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards, and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1% cash back on all other purchases.
Annual Fee
$0

Intro Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months
Balance Transfer APR
16.49% – 25.24% Variable
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign Transaction Fees
3% of each transaction in U.S. dollars
Penalty APR
Up to 29.99%

REWARDS & REDEMPTION DETAILS
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1% cash back on all other purchases.

Best travel card with no annual fee

Bank of America® Travel Rewards credit card

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CARD HIGHLIGHTS
Intro Offer
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
APR
16.24% – 26.24% Variable APR on purchases and balance transfers
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Recommended Credit
Excellent/Good
Reward Rates
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
Annual Fee
$0
ADDITIONAL DETAILS
Balance Transfer APR
16.24% – 26.24% Variable APR on purchases and balance transfers
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee
See terms
Foreign Transaction Fees
None
Penalty APR
up to 29.99% APR
REWARDS & REDEMPTION DETAILS
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.

Best welcome bonus with no annual fee

Discover it® Cash Back

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CARD HIGHLIGHTS
Intro Offer
Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year. There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
APR
13.49% – 24.49% Variable
Intro Purchase APR
0% for 15 months
Recommended Credit
Good/Excellent
Reward Rates
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
Earn 1% unlimited cash back on all other purchases – automatically.
Annual Fee
$0
ADDITIONAL DETAILS
Intro Balance Transfer APR
0% for 15 months
Balance Transfer APR
13.49% – 24.49% Variable
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Late Payment Fee
None the first time you pay late. After that, up to $41.
Foreign Transaction Fees
None
REWARDS & REDEMPTION DETAILS
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, and when you pay using PayPal, up to the quarterly maximum when you activate.
Earn 1% unlimited cash back on all other purchases – automatically.

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A card that adapts to your spending

Citi Custom Cash℠ Card

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CARD HIGHLIGHTS
Intro Offer
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
APR
16.24% – 26.24% (Variable)
Intro Purchase APR
0% for 15 months on purchases
Recommended Credit
Excellent, Good
Reward Rates
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Earn unlimited 1% cash back on all other purchases.
Annual Fee
$0
ADDITIONAL DETAILS
Intro Balance Transfer APR
0% for 15 months on balance transfers
Balance Transfer APR
16.24% – 26.24% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Late Payment Fee
Up to $41
Foreign Transaction Fees
3%
Penalty APR
Up to 29.99% (Variable)
REWARDS & REDEMPTION DETAILS
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Earn unlimited 1% cash back on all other purchases.

Best flat-rate credit card with no annual fee

Wells Fargo Active Cash® Card

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CARD HIGHLIGHTS
Intro Offer
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
APR
17.24%, 22.24%, or 27.24% Variable APR
Intro Purchase APR
0% intro APR for 15 months from account opening
Recommended Credit
Excellent, Good
Reward Rates
Earn unlimited 2% cash rewards on purchases
Annual Fee
$0
ADDITIONAL DETAILS
Intro Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers
Balance Transfer APR
17.24%, 22.24%, or 27.24% Variable APR
Balance Transfer Fee
up to 5%; min: $5
Foreign Transaction Fees
3%
Penalty APR
None
REWARDS & REDEMPTION DETAILS
Earn unlimited 2% cash rewards on purchases

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Credit cards without annual fees are suitable as your first credit card, a supplement to other credit cards, or a last resort source of funding in the event that unanticipated expenses arise. The top credit cards without an annual fee all have the trait of providing a comprehensive value proposition. They offer a profitable welcome bonus and a respectably long introductory APR period, which may enable the cardholder to temporarily avoid interest on significant purchases and balance transfers. They also have some of the best rewards programs for making the most of your budget.

credit cards
14 / 9
Ad Competition: 59
CPC: $22.72
Volume: 368000
business credit cards
0 / 1
Ad Competition: 69
CPC: $72.63
Volume: 60500
secured credit cards
0 / 1
Ad Competition: 66
CPC: $8.43
Volume: 90500
best travel credit cards
0 / 1
Ad Competition: 58
CPC: $21.21
Volume: 90500
balance transfer credit cards
0 / 1
Ad Competition: 63
CPC: $46.56
Volume: 49500
credit cards for bad credit
0 / 1
Ad Competition: 65
CPC: $11.9
Volume: 165000
travel credit cards best
0 / 1

How much are annual fees for credit cards?

Many travel and incentives credit cards charge annual fees of about $100. These are frequently connected to better prizes and advantages. Some credit cards might cost hundreds of dollars or even more, such as premium travel credit cards. These credit cards frequently provide numerous annual statement credits or other specialized advantages.

Are there credit cards for balance transfers without an annual fee?

Yes. In reality, the majority of debt transfer credit cards are annual fee-free. However, you should be aware of balance transfer fees. The average balance transfer cost on credit cards is 3%, but some cards charge as much as 5%. If not, you can select a few credit cards that don’t charge a balance transfer fee.

How can you determine whether an annual credit card fee is worthwhile?

Make sure you have enough money in your budget to cover an annual charge first. You should then confirm that any points or advantages you receive from the credit card will offset the yearly fees. When evaluating a credit card’s offer, take into account the rewards programme and how it matches your lifestyle, welcome bonuses, and other benefits.