How We Evaluated
Because I’ve been studying credit cards for years, I know what cards are best for a lot of people. To examine cards that don’t charge an annual fee, I looked at major credit cards that offer flexible and rewarding points or cash back that can easily be redeemed. The best cards were chosen based on the value of rewards (both points and perks), fees, and general accessibility.
Things To Know About Credit Cards
- None of these cards have an annual fee. The downside is that these cards generally offer fewer perks than similar cards with annual fees from the same banks. For example, the Chase Sapphire Preferred card, which has a $95 annual fee, offers more travel perks, like no foreign transaction fees, than the Chase Freedom, which has no annual fee. If you're set on a card with no annual fee, the cards on this list are the best out there.
- APR rates and credit limits vary based on your individual credit. Credit limits and interest rates for each card are determined based on each cardholder's personal situation, so we did not take that information into account when evaluating these cards. One thing to remember is that if you pay your card off in full every month, you will not be charged interest.
- Banks have final say on who they accept for a credit card. These recommendations were put together with the assumption that applicants would have average credit or above. That being said, banks decide who they will issue credit cards to using criteria including, but not always limited to, an individual's credit score when evaluating each applicant.
Please note: the offers mentioned above are subject to change at any time and some may no longer be available.
When you sign up for one of these cards, Reviewed may receive an affiliate commission from The Points Guy Affiliate Network.
Other Top Credit Card Options
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Meet the testers
Caroline Lupini is a personal finance and travel writer and a valued contributor to the Reviewed.com family of sites.
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Checking our work.
We use standardized and scientific testing methods to scrutinize every product and provide you with objectively accurate results. If you’ve found different results in your own research, email us and we’ll compare notes. If it looks substantial, we’ll gladly re-test a product to try and reproduce these results. After all, peer reviews are a critical part of any scientific process.
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