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Updated July 4, 2016

Credit Card Deals with No Annual Fees

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For your next credit card, you want a lucrative deal. What you don't want is to pay for the privilege with an annoying and pricey annual fee. We canvassed current offerings by credit card companies on CreditDonkey for the cash back, reward points, balance transfers, low interest, and small business offers you should consider.

Our criteria: the deals had to be good and the annual fee had to be nothing.

Here are the credit card deals with no annual fees you should consider for September 2020:

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Hot Deal: Chase Freedom Unlimited

Chase Freedom Unlimited lets you earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. You earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. There is also a 0% intro APR for 15 months from account opening on purchases, then a variable APR of 14.99-23.74%. The cash back rewards will not expire as long as your card account remains open. There is no annual fee.

Reward Points Deal: Amex EveryDay Credit Card

Amex EveryDay offers 10,000 Membership Rewards® points if you spend $1,000 on purchases within the first three months of opening your new card account. Enjoy a 0% intro APR for 15 months on purchases, then a variable rate, currently 12.99% to 23.99%.

This card earns 2x points at U.S. supermarkets (on up to $6,000/year in purchases, then 1x) and 1x points on other purchases. If you use your card 20 or more times on purchases in a billing period, you will earn 20% more points on those purchases (less returns and credits). There is no annual fee. Terms apply.

Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 15 months
N/A
12.99% - 23.99% Variable
$0

Disclaimer: The information for the Amex EveryDay® Credit Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Why you might want to look elsewhere:

  • You need excellent credit to qualify for the Amex EveryDay credit card.

  • If you don't have excellent credit, but you do have good credit, consider the Chase Freedom.

Cash Back Deal

Do you have excellent credit?:
With the Blue Cash Everyday from American Express (a CreditDonkey advertiser), you can earn cash back.

Blue Cash Everyday Card from American Express
Apply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
$0

Why we like it: Trips to the supermarket and gas station gets expensive.

With the Blue Cash Everyday, you'll earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and 2% cash back at U.S. gas stations.

To learn more, read our Blue Cash Everyday Review or visit American Express' secure website to apply now.

Do you have good credit?:

Are You a Small Business Owner?

Not a corporation or LLC? If you freelance, consult, or sell stuff online, you are also a business owner. If you operate your business in your own name, you are usually considered a sole proprietor. If you are a sole proprietor, when you apply, you would usually use your Social Security number as your tax ID (unless you have your own employee ID number) and your legal name as your business name (unless you are doing business under a different name).

By using a business credit card, you can help keep your business and personal spending separate.


It's never too late to start saving money…

PS: Some who read this page and realize how lucrative the deals are will take advantage of them immediately. Most will stay in the rut. A few will plan for financial success and stay with it until they get there. Which one are you?

CreditDonkey helps readers make savvy financial decisions (and save money). Terms and limitations apply.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

For rates and fees of the Blue Cash Everyday card, please click here.

Disclaimer: The information for the Chase Freedom, Chase Freedom Unlimited®, and Amex EveryDay® Credit Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

More from CreditDonkey:


Blue Cash Everyday Card from American Express
Apply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Go to issuer's official application, terms, and details
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsurancePurchase Protection$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
$0

Meeting Credit Card Spending Requirements

Awesome credit card bonuses often come with a catch: a minimum spend requirement. Here are 23 practical ways to meet it so you can collect the bonus.

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Credit Card Promotions 2016

Applying for a card with a bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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