When skipping an annual fee makes sense, and the other costs that still apply to no-fee cards.
A no annual fee card costs nothing just to keep open, which makes it a simple choice for a first card or for one you keep long term. Other costs still apply, such as interest on a carried balance and late fees.
The best cash back card is the one that pays the most on your actual spending after fees. Learn the three reward structures and how to run the math for yourself.
Read MoreThere is no single best first card. Here is how to compare secured, student and starter cards on the costs and features that matter when you are new to credit.
Read MoreA fee card only wins if its extra value on your spending exceeds the fee. Our cash back guide shows how to work out the break-even point, and the calculator does the math for you.
