Let’s be honest, everyone wants to save money. Finding a solid credit card with all of the necessary bells and whistles can be a challenge. A very important, sometimes overlooked aspect when considering a credit card can be the fees associated with said card.
Life happens, and payments can be late incurring fees. Many great credit cards also have annual fees as well as maintenance fees. When funds are tight, any additional fees incurred is the last thing anyone wants. Fortunately, there are a variety of fantastic credit cards available that are fee free.
Some Top Notch Options
There are a great deal of superb, no fee cards, so this is not an exhaustive list. However, Chase, Citi, Discover, and Bank of America offer some excellent options for credit card users who would like to keep more money in their pockets. Consumers can’t go wrong with any of the options below, so let’s take a look at some great no fee cards.
Chase Slate Credit Card
The Chase Slate Credit Card is a phenomenal card for a variety of reasons. This card offers no annual fee as well as no penalty interest. Additionally, this card has a great introductory balance transfer offer that features a zero percent fee for sixty days after creating the account. Plus, the interest rate is zero percent as well on balance transfers in addition to general spending for fifteen months. This is a solid amount of time to pay down some debt or make a big purchase and pay it off, so this can be a fantastic tool. Chase also offers cardholders FICO credit scores for free that is updated monthly for the owner’s convenience. Chase also gives its cardholders some other significant positive features such as purchase and fraud protection as well as fraud alerts.
Citi Simplicity Credit Card
The Citi Simplicity Credit Card is fee-free heaven. It features no annual fees, no penalty rate, and no late fees. This card also offers a great introductory balance transfer interest rate of zero percent for eighteen months after the first balance transfer is done. It should be noted that they must be done within four months of the account opening. Plus, cardholders can enjoy zero percent interest on all purchases made with their Citi Simplicity Card for eighteen months after the account is created. A year and a half is a seriously long time to enjoy no interest. Citi also offers its cardholders identity theft assistance to help clients with the process of reporting the necessary information to getting life back to normal and everything in between. Plus, Citi offers purchase protection, account alerts, payment due date choice, customer service available day or night, and integration with Apple Pay.
Discover it Card
The Discover it Card is a great option as well. This card offers no annual fee plus some great rewards. Cardholders can enjoy zero percent interest for the first fourteen months on both balance transfers and all purchases made with the card. Discover gives cardholders five percent back on different categories of purchases that change with the quarter. Owners of this card also can enjoy one percent cash back on everything they buy. Discover also matches all of the cash back cardholders have created for their entire first year of use which is pretty incredible. Cardholders can redeem these at any time, so they needn’t worry about points expiring with this credit card. Discover also gives its clients the ability to freeze a card if it is lost, their FICO score for free, and the United States based customer service. They also offer purchase protection and account monitoring.
BankAmericard Credit Card
The BankAmericard Credit Card is a super option as well. This credit card offers no annual fee and no penalty interest rate, which is beyond useful. This credit card also offers a zero percent interest rate for the first fifteen billing cycles for everything purchased with this credit card. Balance transfers also use this feature if they are completed within sixty days of the account opening. Plus, balance transfers can be completed for sixty days for free as well with no fee to worry about. Bank of America kindly gives its clients their FICO score for free as well as education about credit which can be a lifesaver as credit can be complicated. Plus, Bank of America offers integration with Apple Pay, fraud protection, temporary credit card numbers for safe online shopping, account alerts, overdraft protection, and banking via text messaging.
Which One Should You Choose?
With so many options, it can be very difficult to decide which card is best for you. However, it is difficult to go wrong with any of these great options. These cards can save their owners significant money while offering some solid additional benefits. The companies behind these cards are tried and true, so cardholders can feel safe in their decision to enjoy any of these cards.