The BEST No Annual Fee Credit Cards You Need in 2024 

There isn't really a specific link-- you just have to apply and see if you get it

Please be careful with this card as they charge interest on the whole statement instead of the current balance when not paid off fully every month.

It’s comes down to would you pay for prime if you didn’t have the card If yes then there is no annual fee and no extra money you are spending to have the card you would have done it anyway If you don’t have prime and don’t want to pay for it then find a better option

​@@robert8311 i guess i'm not understanding your logic. i'm saying if you don't want to pay an annual fee only get 3% on prime visa but, there is a better card for that. if you're ok with an annual fee, do not pay for prime because there is a better card, (with 6%) and cheaper annual fee ($95)

@@robert8311i guess my reply didnt post. My suggestion is why pay for prime if usb gets you 6% back for $95/ year?

literally the hour i turned 18 i applied for the discover it student card and got accepted instantly, but instead i recommend applying for the chase freedom student first if you are going to college. if you don’t get accepted try discover.

I'm wondering the same!

That’s the standard unofficial signup bonus everyone gets

I'm not an expert like he is lol but in my opinion I think you should ask yourself with getting a non annual card transaction fee would you be okay with not using chase for example capital one OR using something with chase for example they have a Marriott credit card called the Marriott Bonvoy Bold. It's no foreign transaction fees non annual card but you get Marriott points that you can always use if you ever stay in one of the Marriott Hotels or use that Hotel for your Europe trip. I think annual fee credit cards are worth it if only you gonna get the most benefits from the card. If you feel like you don't need to add a power card to the chase freedom flex then maybe see what other chase cards on their website with non annual fee you might be interested in that might offer the no transaction fee. I hope this helps!

He doesnt but I do, I am educated in all the banks credit cards and can come up with a strategy on your needs

I say do your research. His video he picked some really good cards that I think are worth it. I think it comes down to where you spend in those categories. For example the two you asked about are different with their point system. If you send more money on those categories go with the card that's gonna give you the most beneficial. The other thing to consider would be the portal. If you are using these cards for travel really research which portal you think would be helpful to travel from or if you plan on getting one other annual fee cards in the future to pair with the non annual fee card.

Keep up the great content John! I appreciate your hard work and insight!

⁠​⁠@@danielz8183 I remember him saying three months before you apply for another card. But since the bilt card has no welcome bonus you should be able to go again not financial advice.

At least 6 months minimum

It’s not too bad to manage for me personally, use it a handful of times going out to eat (i believe delivery services count as well for the 3x). one month i did forget and ended up going to walmart on a grocery run and bought the 5 cheapest things in my cart individually in self checkout 😅

I might try it with reoccurring billing services (Gas/Electric, Internet, subscription services, etc.) I think food or other purchases may give the most points through. Were the points fairly easy to manage afterwards or do they expire?

Ahh nevermind, just saw that the dining and travel gives points. So I wouldn't get any for the other services.

Honestly, I have the BILT I think people make it seem like 5 transactions is a lot to keep up with, but there is an app you can see what your transaction was if you have no automatic subscriptions or payments happening. Also rent is counted as one of the transactions so you really only need 4 if you are using this for rent. Also the first of the month "rent day" offers double the points except for rent so for example you buy dinner the first of the month that purchase is now worth 6x vs 3x. I say just get everything out of the way for the first of the month. Rent, food, utilities, even if that means buying a candy bar. The points you are getting alone from rent at least for me is worth remembering that 5 transactions. Because in theory who is giving up on average it costs 1800 in the US for rent that many points for some other basic non annual fee card. If used correctly this BILT card is more than worth it. You are talking about almost getting 20K in points for just paying rent annually. Plus the other categories aren't too bad and the first of the month does help a lot with points double. The biggest thing is the has the hotel chains (Marriott, Hilton, IHG, Hyatt) also MANY AIRLINES (domestic and international) with 1:1 transfer. American Airlines on there is HUGE not many credit cards offer 1:1 with them. The other thing to consider is this can be an easy trip paid for flight or hotel. Especially if you don't like booking under the travel portal for credit cards and if you have a power card for example the AMEX or Chase Preferred card where you are already doing transfers you can easily use that BILT to get the ultimate experience. Don't let the inconvenience of 5 transactions stop you from a good strategy. There isa youtuber I watched where he was sad he stopped using his chase card for his subscriptions to the BILT but he said what's $180 points when I can unlock over 2,000 + a month with rent and to transfer later on to my account at a hotel or airline.

​@@breannawyche8745 you've sold me on this! Thanks for the details and explanation!

let's go!

@@johnsfinancetipswhere’s the non public offer link for chase card??? Not in the description like stated.

so close!