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Today, more and more people are recognizing the tremendous benefits of no annual fee credit cards. Some important information you will need to keep in mind when evaluating no annual fee cards includes:

- The annual percentage rate (APR)
- Fees for things such as going over the credit limit or late payments.

- Is the no-annual-fee permanent or charged after a certain time period?
- Are there any special perks or bonuses?

Below are the top 50 No-annual-fee cards available to consumers.

#1: DISCOVER MORE 0% APR introductory offer for 12 months.

#2: BLUE FROM AMERICAN EXPRESS 0% APR for 15 months, or a 4.99 percent interest on balance transfers.

#3 BLUE CASH FROM AMERICAN EXPRESS 0% APR for 6 months.

#4 DISCOVER OPEN ROAD 0% APR on purchases and balance transfers for about six months.

#5 MILES BY DISCOVER 0% APR on purchases and balance transfers for 12 months.

#6 CHASE FLEXIBLE REWARDS PLATINUM VISA 0% Intro for 12 months.

#7 CHASE PLATINUM VISA 0% Intro for 12 months with a regular APR of 11.24%

#8 BANK OF AMERICA PLUS VISA 0% Intro for 6 months with a regular APR of 8.24%

#9 CITI PLATINUM SELECT 0% Intro for 12 months with a regular APR of 7.24%

#10 DISCOVER MOTIVA(SM) CARD 3.9% Intro for 6 months with a regular APR of 10.99%.

#11 CITI DIAMOND PREFERRED REWARDS 0% Intro for 12 months with a regular APR of 9.74%.

#12 CHASE PLATINUM MASTERCARD 0% Intro for 12 months with a regular APR of 11.24%.

#13 CHASE FREE CASH REWARDS VISA 0% Intro for 12 months with a regular APR of 11.24%

#14 CHASE PERFECTCARD MASTERCARD 0% Intro for 6 months with a regular APR of 11.24%.

#15 SIMMONS FIRST VISA 0% Intro for 6 Months with a regular APR of 8.95%.

#16 MERRILL VISA 1.9% APR for first 12 months with a regular APR of 9.99%

#17 BANK OF AMERICA REWARDS AMERICAN EXPRESS 0% APR for 12 months with a regular APR of 9.9%.

#18 CITI DIVIDENT PLATINUM 0% APR for 12 months with a regular rate of 9.74%.

#19 BANK OF AMERICA CASH REWARDS PLUS 0% APR for first 12 months, regular APR of 9.99%

#20 BANK OF AMERICA WORLDPOINTS 0% APR for first 12 months with regular APR of 9.99%.

#21 BLUE SKY FROM AMERICAN EXPRESS 0% APR for first 12 months, normally 10.24%.

#22 BANK OF AMERICA WORLDPOINTS PLATINUM PLUS 0% for 12 months, normally 9.99%

#23 ANNE GEDDES PLATINUM Offers many rewards, regular rate of 13.24%.

#24 BANK OF AMERICA VISA SIGNATURE WORLDPOINTS 0% for 12 months, normally 9.99%.

#25 BASS PRO SHOPS OUTDOOR REWARDS Offers many outdoor

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