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KrowdFit Wellness Rewards Mastercard®
KrowdFit Wellness Rewards Mastercard®
- 19.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The KrowdFit Wellness Rewards Mastercard® is a rewards credit card that earns up to 4% cash back on wellness purchases and more, with no foreign transaction fees and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 4% cash back on qualifying health, wellness, medical, and lifestyle partners
- 2% cash back on groceries
- 1% cash back on all other purchases
- Free MyFitnessPal or Calm 1-year Premium Membership
- No foreign transaction fees
- No annual fee
- Regular Purchase APR: 19.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
- You spend a good chunk of change on health and wellness (including medical)
- You want to get rewarded for your healthy lifestyle
- You have an interest in wellness apps like MyFitnessPal or Calm
- You would like cash back for grocery shopping and everyday essentials
TD Clear
TD Clear
At a Glance
The TD Clear Visa Platinum is a credit card with a difference. Instead of paying a variable interest rate on purchases, TD charges no interest at all, instead offering a simple monthly fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- A credit card with no interest, just a simple monthly fee
- No hidden fees, including no balance transfer fees or foreign transaction fees
- Enjoy Visa benefits like cell phone protection, emergency card replacement, and Visa Zero Liability
- Intro Balance Transfer APR: N/A
- Minimum Deposit Required: N/A
- You want a credit card with a simple, straightforward pricing structure
- You aren't interested in rewards - just a great low rate
- You want basic Visa protections like cell phone protection or Zero Fraud Liability
TD FlexPay
TD FlexPay
- 18.74% to 28.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.74% to 28.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The TD FlexPay credit card is a balance transfer card with a difference. Beyond a lengthy intro APR on transfers, cardholders have the peace of mind that they can schedule which billing cycle in the future to skip a monthly payment each year with no penalty.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get TD Bank's best balance transfer offer
- Skip a Payment once a year with no penalty
- No annual fee
- No foreign transaction fees
- Visa Platinum credit card benefits and protections
- Regular Purchase APR: 18.74% to 28.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% Introductory APR for the first 18 billing cycles
- Balance Transfer APR: 18.74% to 28.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 18 billing cycles after Account opening referenced in the offer above After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40, first late payment fee refunded every 12 billing cycles.
- Return Payment Penalty Fee: Up to $39
- Minimum Deposit Required: N/A
- You want a balance transfer credit card that works around your needs
- You can be forgetful and want a card that understands nobody is perfect
- You plan to use the card for foreign trips or vacations
- You don't want to pay an annual fee
Fisher-Price College Savings Mastercard®
Fisher-Price College Savings Mastercard®
- 17.99% to 29.99% variable based on creditworthiness or the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Fisher-Price College Savings Mastercard® lets parents, grandparents, or just about anyone else earn 2% cash back on all their purchases when they funnel rewards into a 529 college savings account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2% back on all purchases when you deposit into a 529 plan
- $50 bonus when you make $250 in purchases in the first three months and deposit rewards into a 529 plan
- No annual fee
- Mastercard $0 Fraud Liability
- Regular Purchase APR: 17.99% to 29.99% variable based on creditworthiness or the Prime Rate
- Intro Balance Transfer APR: N/A
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10.00 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
- Minimum Deposit Required: N/A
- You have a 529 education savings plan for your children
- You plan to use the card for much of your everyday spending
- You plan to spend at least $250 on purchases within the first 3 months
- You don't want to pay an annual fee
Fifth Third 1.67% Cash/Back Card
Fifth Third 1.67% Cash/Back Card
- 20.49% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Fifth Third 1.67% Cash/Back Card earns an unlimited amount of cash on every purchase with no foreign transaction fees or annual fees to worry about.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 1.67% back on all purchases
- No annual fee
- No foreign transaction fees
- Redeem rewards for statement credits, deposits, or a check
- Regular Purchase APR: 20.49% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.49% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You live in an area covered by Fifth Third Bank
- You don't want to pay an annual fee or hidden fees
- You don't want to bother with a confusing rewards program
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This post may contain links from partner offers, and we may receive compensation when you click on links to these offers. Please see our advertiser and editorial disclosures above for more information. Citi is an advertising partner.
What Does “No Annual Fee” Mean?
No annual fee is a term frequently seen associated with credit card offers. Many of the most prominent credit cards from leading banks like Chase, Citi, or Bank of America charge no annual fee or membership fees.
No annual fee credit cards can provide significant value, despite the lack of a yearly membership fee. While premium credit cards (those that charge an annual fee) often offer the most lucrative rewards and additional perks, many no annual fee rewards cards provide comparable rewards at a much lower price point. In many cases, you’ll still get the same long-term value — including rewards and perks — from a credit card without an annual fee.
Why Choose a Credit Card with No Annual Fee?
No annual fee credit cards are excellent starter credit cards for those new to credit cards and wary of confusing reward programs. No annual fee cards usually lack premium perks like lounge access, TSA precheck, or elite status in loyalty programs. This simplicity makes no annual fee cards ideal for anyone uninterested in reward strategies and maximizing credits but looking to earn rewards with every purchase.
Some no annual fee cards provide 0% intro APR offers on purchases, balance transfers, or both. These introductory periods can help you pay down existing balances (potentially from cards with annual fees or higher interest rates). Balance transfer cards are a great way to avoid the origination costs of personal loans. They may also offer additional bonuses, like cash back or points.
How to Select the Best No Annual Fee Credit Card
With so many offers available, how can you find the right no annual fee card for you? Here are a couple easy ways to evaluate which credit card suits you best.
What are Your Spending Habits?
The most important thing to consider when choosing a new rewards credit card is where you plan to use it. Rewards cards come in several types and amounts. There cash back cards that offer enhanced rewards on specific categories or unlimited rewards at a lower rate; airline and hotel credit cards that reward you for current and future travels, and more.
Understanding your spending habits is key to getting the right card for you. Take the Citi Custom Cash℠ Card, for example. The card earns 5% back on your highest spending category each billing period, with the following categories eligible for that bonus rate:
| Dining | Fitness clubs | Grocery stores |
| Drugstores | Gas stations | Home improvement stores |
| Travel & transit (select) | Live entertainment | Streaming service (select) |
If your spending habits don’t mesh well with the Custom Cash’s rewards structure, you might prefer a card like the Discover It, or Chase Freedom Flex, which earn 5% back in rotating quarterly categories.
Another option is an unlimited cash back credit card, like the Chase Freedom Unlimited, Wells Fargo Active Cash, or Citi® Double Cash Card. The latter, the Double Cash, earns cash back at a rate of 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Are You Paying Down Debt?
Experienced credit cardholders can benefit from the lengthy 0% intro APR periods many excellent no annual fee credit cards provide. There are dozens of excellent cards with zero-interest periods of 12 months or more, including offers from Discover, Citi, Chase, and US Bank.
Balance transfer and low APR credit cards are great for both financing large purchases and paying down balances over time. Weigh the introductory APR period, the regular APR once the promotional period ends, and any additional fees.
Related Article: What is the Longest 0% APR Credit Card?
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