No Annual Fee Airline Credit Cards

No annual fee airline credit cards are best for people who want to earn airline rewards but don't plan on using the card very often or carrying a balance.

Typically no annual fee cards have a higher interest rate. If you plan on carrying a balance from month to month, you will be better off looking for the lowest interest rate.

Airline miles cards with no annual fee also don't accumulate rewards as quickly as cards that charge an annual fee. People who use their credit card a lot, but don't carry a balance, would be better off looking for cards that maximize rewards.

If a no fee card sounds right for you, be sure to consider the following when choosing from one of the below cards.

  • Airline travel restrictions
  • Blackout dates
  • Travel insurance
  • Miles earned per dollar
  • VIP upgrades

Barclaycard Arrival™ World MasterCard®

border
Intro Purchase APR: 0% Intro Period: 12 months Regular APR: 14.99% or 18.99%* (Variable) Annual Fee: $0
border
Barclaycard Arrival™ World MasterCard® Offer

Apply For Barclaycard Arrival™ World MasterCard® Offer
  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard Arrival cardmembers

Scotiabank® Rewards VISA* card

border
Intro Purchase APR: N/A Intro Period: N/A Regular APR: 19.99% (Fixed) Annual Fee: $0
border
Scotiabank® Rewards VISA* card Offer

Apply For Scotiabank® Rewards VISA* card Offer
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Receive up to 25% off qualifying car rentals
  • Redeem points for merchandise and other rewards

Simmons First Visa® Platinum Rewards

border
Intro Purchase APR: N/A Intro Period: N/A Regular APR: 9.25% (Variable) Annual Fee: $0
border
Simmons First Visa® Platinum Rewards Offer

Apply For Simmons First Visa® Platinum Rewards Offer
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

Deciding what type of credit card account will be right for you before ultimately signing on the dotted line can be a very challenging process. Once you start doing your homework, it quickly begins to seem as if there is a limitless array of choices out there and it can also seem almost impossible to sift through them all to find the one that would suit your needs the best. Why not consider the advantage of applying for a no annual fee credit card? They're the perfect choice for a wide variety of individuals. When you sign up for one of your own, you'll be able to enjoy all the usual benefits, advantages, and conveniences associated with credit without the hassle of having to pay an annual fee for the privilege.

What is a no annual fee credit card?

A no annual fee is exactly what it seems to be - no gimmicks and no misleading terms. It's a card attached to a credit program that doesn't charge you an annual fee for the privilege of having or using your account. As typical annual credit fees can wind up being quite pricey, this can make a huge difference when it comes to your yearly expenses. Instead of paying what can amount to several hundred dollars in service fees every years, you can use that money to get ahead when it comes to your other bills instead.

Is a no annual fee credit card right for me?

No annual fee credit cards are ideal for people who use their credit cards wisely and don't have a tendency to carry a high balance from month to month. Although no annual fee credit cards don't require you to pay that extra bill every year in service fees, many do charge slightly higher interest rates from month to month to help bring in enough income for the credit card company. However, prudent spenders that don't carry high balances from month to month or overspend on their cards remain unaffected by such interest rates, allowing them to take advantage of incredible savings without consequences.

As with other types of credit programs, no annual fee credit card programs can vary greatly from one to another as to the exact terms and conditions associated with the account. Before choosing and filling out a particular no annual fee credit card application once and for all, do your homework on all the different options that are available to you. Credit card companies can be very competitive with one another, and they all want your business, so each has its own unique set of perks that come along with signing up for their program as opposed to the other guy's. Carefully consider the pros and cons of each and only sign up after you've found the one that best fits your needs, your budget, and your spending habits.

When chosen carefully and used wisely, no annual fee credit cards can be a helpful and effective way to manage your finances and save money. Start exploring your options and discover how convenient, useful, and effective the right one can be when it comes to your money.



*Check with the online credit card application for further details about the terms and conditions for each card. Airline Miles Credit Cards has done everything possible to ensure that the information provided is up to date. Any changes made to these programs will be presented in the terms and conditions on the credit card issuer's website.


Read More About Airline Miles Credit Cards