If you have never borrowed money in the past, the chances are that you do not have any credit history. This is completely ...

For our Best No-Annual-Fee Credit Cards list, we consider issuer satisfaction data, rewards earning rate, annual percentage rate, introductory APR length for purchases and sign-up bonus value.

You can also check out our list of best credit cards for alternative options. The best no-annual-fee cards can offer competitive rewards programs, intro 0% APR periods and low interest rates.

And many have fairly lucrative sign-up bonuses. Enjoy additional perks. Some no-annual-fee travel cards offer benefits like extended warranty and credit monitoring tools. Cons No elite travel perks.