Updated 2/28/17

No one enjoys paying fees, whether they’re tacked on to a monthly cable subscription or popping up on a credit card bill. And with credit card issuers fighting hard for your business, a number of high-quality cards are available, even ones packed with perks that don’t charge an annual fee. Here are our picks for the best:

  • No-annual-fee travel credit card – BankAmericard Travel Rewards®
  • No-annual-fee balance-transfer credit cards – Chase Slate®, BankAmericard® and Citi Simplicity® Card - No Late Fees Ever
  • No-annual-fee cash-back credit cards – Chase Freedom UnlimitedSM and Citi® Double Cash Card - 18 Month BT offer
  • No-annual-fee bonus category cash-back credit card – Discover it® Card

BankAmericard Travel Rewards® Credit Card

Flexible rewards are a busy traveler’s best friend, and the BankAmericard Travel Rewards® credit card punches far above its weight in this category. What stands out most in our mind is the card’s flexible points redemption program. All purchases earn 1.5 points per dollar spent and can be redeemed for travel-related statement credits, making this a powerful travel credit card for cardholders searching for cheap deals using their preferred booking portal. Qualifying new cardholders can also look forward to an offer of 20,000 points bonus – redeemable for $200 in travel-related statement credits — after spending at least $1,000 on new purchases in the first 90 days, plus no annual fee. Add it all up, and it’s easy to see why we think the BankAmericard Travel Rewards® card is also one of the best credit cards of 2017. Read our full review of BankAmericard Travel Rewards®.  

Chase Slate®
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Chase Slate®

Chase Slate® is the best credit card around for cardholders wanting a balance-transfer card that slashes fees. Notably, the card offers a 0% introductory APR on both new purchases and balance transfers for 15 billing cycles, plus it doesn’t charge an annual fee or a balance-transfer fee on transfers made within the first 60 days. That combination of fee-busting features is rare, which is why we think Chase Slate® is a no-brainer to consider when paying down debt fast is important. Read our full review of Chase Slate®.

BankAmericard® Credit Card

Cardholders wanting to pay down debt faster may need to look no further than BankAmericard®, which offers the lowest APR among the suite of BankAmericard-branded credit cards and a long, 18-billing-cycle, 0% introductory APR on balance transfers. For this reason, we picked it as one of the best balance-transfer credit cards. What’s more, the card carries no annual fee and helps cardholders keep tabs on their credit history by providing free access to their FICO® Score (worth upwards of $350 annually when tracking your comprehensive credit history with myFICO). Read our full review of BankAmericard®.

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

Cardholders seeking occasional payment forgiveness may find Citi Simplicity® Card - No Late Fees Ever to be a suitable balance-transfer credit card.Citi Simplicity® Card - No Late Fees Ever doesn’t charge late payment fees, and it doesn’t bump up a cardholder’s APR as a penalty for missed payments. But the card doesn’t skimp on features in favor of a longer leash for payment forgiveness. Citi Simplicity® Card - No Late Fees Ever dishes out a swoon-worthy 21-billing-cycle, 0% introductory APR on both new purchases and balance transfers. Read our full review of Citi Simplicity® Card - No Late Fees Ever.

Chase Freedom Unlimited
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Chase Freedom Unlimited

Chase® credit cards tend to pack a powerful punch, and Chase Freedom UnlimitedSM is no exception. Cardholders can score a $150 new-cardholder bonus when spending at least $500 on new purchases in the first three months, plus they can look forward to both 1.5% cash back on all purchases and a 15-billing-cycle, 0% introductory APR for balance transfers. Read our full review of Chase Freedom UnlimitedSM to learn why we consider it to be one of the best cash-back credit cards.

Citi® Double Cash Card – 18 Month BT Offer

Citi® Double Cash Card – 18 Month BT Offer

The Citi® Double Cash Card - 18 Month BT offer stands out among cash-back cards because it offers an innovative rewards program that incentivizes smart use of debt by paying off balances. All purchases earn a total of 2% cash back – technically, 1% when purchased and 1% when paid off. This is among the highest cash-back rates for all purchases on the market. What’s more, Citi® Double Cash Card - 18 Month BT offer helps indebted cardholders pay down balances faster when taking advantage of the card’s 18-billing-cycle, 0% introductory APR for balance transfers. Read our full review of Citi® Double Cash Card - 18 Month BT offer.

Discover it® Card

Discover it® Card

Discover it® Card earns 5% cash back (on up to $1,500 in spending quarterly, and thus worth a maximum of $75) in rotating categories such as gas, restaurants, Amazon.com purchases, and wholesale clubs, plus 1% cash back on all other purchases. Discover automatically matches all the cash back earned, dollar for dollar, at the end of the first year for new cardholders. The card also cuts out-of-pocket costs by nixing both the annual fee and foreign transaction fees. Read our full review of Discover it® Card.


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