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Before you apply for a no annual fee credit card, you'll have to determine what makes the most sense for your current situation. The top 50 no annual fee credit cards fall into the following categories: standard, rewards programs, business, student and bad credit. Take a look to find out more about each as well as the best in every category:

- Standard: These cards are the typical credit cards available from most banks and financial groups. Balance transfer credit cards and low interest cards are the two most common types of cards. Here are the top 10 in this category:

1. Blue from American Express
2. Citi Diamond Preferred Card
3. Platinum Edition Visa Card
4. Bank of America Platinum Plus Visa Card
5. Discover More Card
6. Capital One Platinum Prestige
7. IberiaBank Visa Classic Card
8. Pulaski Bank Gold Visa Card
9. Chase Platinum Visa Card
10. HSBC Platinum MasterCard

- Rewards Programs: Cards in this category reward the card holder with incentives, rebates and cash back for purchases made on the card. Rewards range from airline miles and hotel stays to gas and home improvement rebates. Cash back credit cards, and many of the rewards programs can require you to have a good or excellent credit rating for approval. Top cards in this category include:
11. Capital One No Hassle Cash Rewards Card
12. Citi Dividend Platinum Select MasterCard
13. Capital One No Hassle Miles Rewards Card
14. Miles by Discover Card
15. Blue Sky from American Express
16. Merrill+ Card
17. Citi Premier Pass
18. Bank of America Visa Signature WorldPoints Rewards
19. Chase Free Cash Rewards Visa Card
20. Citi Upromise Card
21. Choice Privileges Visa Card
22. Citi Hilton HHonors Visa Signature Card
23. Discover Motiva Card
24. TripRewards MasterCard
25. Starbucks Card Platinum Duetto Visa Card

- Business: These credit cards are available to business owners and executives and have features such as low introductory rates, cash back rewards and other rebates like many of the traditional credit cards. Additional benefits of business credit cards include the ability to keep business expenses separate from personal expenses, provide additional cards for employees and achieve a higher credit limit.
26. Advanta Platinum with Rewards
27. CitiBusiness Card with Thank You Network
28. Capital One Business Platinum with Preferred No Hassle Miles
29. First Equity Platinum Business Card
30. SimplyCash Business Card from American Express
31. Chase Business Rebate Visa Card
32. Blue for Business from

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