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Top 50 no annual fee credit cards

Confused by all the letters you get in the mail from different credit card lenders? Tired of trying to figure out which one is right for you? Most people should look at the top five components when choosing a credit card first, is there an annual fee? Secondly, and most importantly, what's the APR? Next, are there any limitations to spending, cash back, & the earnings program? Also, when looking for a credit card, remember that most banks have credit cards, but not all of them have no annual fee. Make sure you look carefully at the one you are applying for. (You'll see below that Discover has a few listed with different APRs.)

Personally, I've gone through a many credit card. Luckily, I've managed to pay them off. However, I've been duped into annual fees before and it wasn't pleasant. Credit card companies with annual fees are getting consumers to believe that if you're paying an annual fee, then their company must be prestigious, have more perks, and have lower than average APRs. Once it's said and done, and you've paid that annual fee, you're paying out more than necessary. Why pay that annual fee when there are so many credit cards out there without one? Even some with low APRs.

If you're looking at credit cards and wondering who has no annual fee, here is the top 50 with the lowest APR fees I could find (all cards and their information listed have been taken from http://www.creditcard321.com/) :

Citi Platinum Select has 0% APR on purchases and balance transfers for up to 12 months. After that, the APR is as low as 7.24%. The only kicker, you need to have good credit and there are no rewards.

Discover Open Road (SM) Card has an Intro 0% APR for 6 months on purchases, 0% for 12 months on transfers. Then, APR rises to 10.99%. They market that you save at the pump.

Bank of America WorldPoints Platinum Plus MasterCard have 0% Intro on all transfers for 12 months, and 9.99% thereafter.

Citi Diamond Preferred Rewards Card, 0% APR for up to 12 months, and as low as 9.74% thereafter. They offer gift cards, and reward points for supermarkets, drugstores, and gas stations.

American Express card Blue from American Express (SM) has 0% APR on all purchases for up to 15 months. After the Introductory rate, the APR changes to 10.99%. Excellent credit is needed to apply.

Two credit cards supported by the same company that offers to anyone with bad credit is from Centennial. The first one, MasterCard has an APR of 9.9, with no rewards. Gold MasterCard

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