U.S. Bank Visa® Platinum Card
With no rewards program or signup bonus, this card offers one of the longest 0% intro APR periods for both purchases and balance transfers on a credit card. For no annual fee, you’ll also get a more uncommon, but handy benefit: Up to $600 in Cell Phone Protection.
pros and cons
0% introductory APR for 20 billing cycles on purchases and balance transfers, then 14.99%–24.99% Variable
Savings at various retailers through Visa Discounts
Travel and shopping protections
Cell Phone Protection
Free VantageScore based on your TransUnion credit report
No annual fee
Cost
Annual Fee
$0
Purchase APR
2%
Foreign Transaction Fee
Cash Back
None
Credit Score
300-850
No Annual Fee Credit Cards For Bad Credit
Secured cards are designed for people with bad, limited, or no credit, so they usually come with pretty unfavorable terms. But the Discover it Secured is different, and even provides a decent rewards program. Not only that, your cash back is doubled for the first year! That’s even better than some reward credit cards.
Food (Restaurants and Groceries)
The Bank of America® Cash Rewards Credit Card (Review) is one of the most flexible cash back cards around, with a 3% bonus category you can change every month. Dining is one of your choices, along with quite a few other useful options, and you’ll always get grocery stores for one of your smaller categories.
No Annual Fee Credit Cards For Flat-Rate Rewards
Paying an annual fee on a credit card can be worth it if it gets you substantially higher rewards. But in many cases, credit cards that don’t charge annual fees offer better long-term value than those that do. No-annual-fee credit cards make it easy to come out ahead, regardless of your spending. Plus, you’ll be able to keep your card open for a long time at no cost, increasing the average age of your accounts, which has a positive effect on your credit score.
No Annual Fee Credit Cards For Long 0% Balance Transfer APR
If you need a card with a long 0% intro APR for purchases, it will be hard to beat the U.S. Bank Visa® Platinum Card.
No Annual Fee Credit Cards For Long 0% Purchase APR
If you need a card with a long 0% intro APR for purchases, it will be hard to beat thses cards.
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