NO ANNUAL FEE CREDIT CARDS

If you have decent at least decent credit, you can apply for a credit card that does not include an annual fee. The cards featured below all have competitive interest rates and no monthly maintenance fees. They are intended for good credit risks, such as people who have established good credit over several years.

** If you have no credit or poor credit we recommend you examine the available bad credit credit card offers. The credit cards for people with bad credit featured all offer generous credit lines and low fees. These offers will help you re-build your credit quickly!

If you are a student looking for a no annual fee credit card, check out the student credit cards we have listed. They all have no annual fees.

Our choice for a no annual fee credit card is the American Express Blue Card.

Chase Platinum Visa

* 0% introductory APR for 12 months.
* No annual fee, so it fits your budget.
* Flexible Rewards Program: Earn one point per eligible dollar spent.3 Redeem for your choice of Cash Back, Merchandise, Travel or Gift Cards.
* Worldwide Automatic Travel Accident Insurance.

Interest Rate	Intro Rate	Grace Period	Credit Line	Annual Fee
As low as 14.24%	0% intro APR for 12 months	20 days	N/A	$0

American Express Blue Card^SM

* 7.99% fixed rate APR on balance transfers.
* Choose to carry a balance or pay in full.
* Online Fraud Protection Guarantee--protects you against unauthorized purchases online.
* Built-in Smart Chip--for added Internet security.
* Plus, An Exciting, Free Rewards ProgramPlus, An Exciting, Free Rewards Program Register for BlueLoot--the totally FEE-FREE online rewards credit card program from Blue

Interest Rate	Intro Rate	Grace Period	Credit Line	Annual Fee
As low as 7.99%	0% intro for up to 15 months	20 days	Up Up to $100,000	$0

Citi® Diamond Preferred® Rewards Card

* 0% APR on balance transfers for nine months.
* $50 gift card - Redeem 5,000 bonus points after first purchase.
* 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations; 1 point for every $1 on all other purchases.
* FREE rewards program.

Interest Rate	Intro Rate	Grace Period	Credit Line	Annual Fee
10.74% fixed rate	0% on balance transfers for 9 months	20 days	Up to $100,000	$0

Citi® Upromise® Card

* 10% college savings on 7000+ grocery and drugstore items - including Coca-Cola®, Kleenex® Facial Tissues and many more. * 2% college savings on gas at Exxon and Mobil locations.
* 1% college savings everywhere you shop.
* 0% APR on balance transfers for 12 months.
* No annual fee.

Interest Rate	Intro Rate	Grace Period	Credit Line	Annual Fee
10.74% fixed rate	0% on balance transfers for 12 months	20 days	N/A	$0

Citi AT&T Universal Cash Rewards Card

* 7.9% APR on purchases and balance transfers for six months
* Earn 6,000 bonus OnePass^® miles as soon as you become a cardmember
* No expiration of OnePass miles
* No limit to how many miles you can earn

Interest Rate	Intro Rate	Grace Period	Credit Line	Annual Fee
9.49% fixed rate	0% APR on Balance Transfers until 02/01/2005	20 days	N/A	$0

Citi® Platinum Select® Card

* 0% on Balance Transfers & Purchases for 12 months, 8.99% variable APR afterward.
* One full year interest-free!
* NO balance transfer fee, NO annual fee.

Interest Rate	Intro Rate	Grace Period	Credit Line	Annual Fee
As low as 8.99%	0% on balance transfers and purchases for 12 months	20 days	N/A	$0

Bank of America® Visa® Platinum

* Convenience checks at no extra charge to access your account where credit cards are not accepted
* Additional cards at no extra charge
* Protection, insurance, assistance
* Zero Liability for Internet purchases. When you use your Visa Platinum card to make purchases on the Internet, you're not liable if your packages never arrive, arrive damaged or if your account number is stolen-just notify us promptly.
* Travel and emergency assistance.
* Automatic travel accident insurance up to $500,000.
* Automatic auto rental insurance.
* Extended warranty protection.
NOTE - We consider this one of the best credit card deals for