Top Credit Cards Without Annual Fees

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With the amount of credit cards available to us, it’s important to diversify. Whether that means diversifying between credit card issuers, rewards, or annual fees, diversifying is good. Here is an updated list of credit cards that do not charge annual fees. The best part about these cards is they offer great cash back opportunities.

Chase Freedom

  • $100 cash back (10,000 UR points) after spending $500 in 3 months.
  • No annual fee.
  • Ultimate rewards points can be transferred to Sapphire Preferred, or Ink Bold/Plus to be used to transfer to airlines/hotels.
  • 5X UR points categories that rotate quarterly.
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Discover It

  • $150 cash back after spending $750 in 3 months.
  • No annual fee.
  • 5% Cash back categories that rotate quarterly.
  • Free FICO score

American Express Blue Cash Everyday

  • $100 cash back after spending $1,000 in 3 months.
  • No Annual Fee
  • 3% cash back on groceries.
  • 2% cash back on gas and department stores.

American Express Everyday

  • 10,000 Membership Rewards Points after spending $1,000 in 3 months.
  • No Annual Fee
  • 2X points on groceries.
  • 20% bonus points when you have 20+ transactions each month

American Express Hilton HHonors

  • 40,000 points after spending $750 in 3 months
  • No Annual Fee
  • 7X points on Hilton purchases
  • 5X at restaurants, supermarkets, and gas stations
  • 3X everywhere else

American Express Fidelity Card

  • No Annual Fee
  • 2% cash back on all purchases

SimplyCash Business Card

  • No annual fee.
  • 5% Cash back on cell phones and office supply stores.
  • 3% cash back on category of your choice

Huntington Voice

  • 3% Cash back on category of your choice.
  • No annual fee.

Citi Dividend Platinum Select

  • $100 Cash back after spending $500 in 3 months
  • No annual fee
  • 5% Cash back categories that rotate quarterly.

Capital One Quicksilver

  • 1.5% Cash back on all purchases
  • no annual fee

My Preferences
My two favorite no annual fee cards are the Discover It and Chase Freedom.

I like Discover because they have great customer service/perks and their gift card value is top-notch. You can often redeem cash back for gift cards worth $5+ more than you redeemed. Also, Shop Discover is a very useful portal.

I like Chase Freedom, since it doesn’t solely earn cash back. Instead, it earns Ultimate Rewards points which can be transferred to multiple travel partners, if you have a Sapphire Preferred or and Ink card.

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