Best No Annual Fee Credit Cards in 2022

A no annual fee credit card — as the name implies — comes with no yearly fees and might offer different types of benefits. MoneyGeek can help you decide if a no-annual-fee card is right for you and make it easier to explore your options.

FIND YOUR NEXT CREDIT CARD

Insurance Rates

Find the best credit card for your financial goals by comparing cards from the top issuers.

Advertising & Editorial DisclosureLast Updated: 12/9/2022
Edited By     |  
Written By     |  
Reviewed By     |  
Last Updated: 12/9/2022

We’ve selected the Amazon Prime Rewards Visa Signature Card as the best no-annual-fee card because of the higher-than-usual cash back it offers and its other benefits. The Norwegian Cruise Line World Mastercard is our pick for the best travel card with no annual fees. The American Express Blue Business Plus Card takes the top spot in the no-annual-fee business cards segment. Other good cards that deserve your attention include the Capital One SavorOne Cash Rewards Credit Card, the Chase Freedom Unlimited Card and the Citi Custom Cash℠ Card.

Why No Annual Fee is Great For You!

Scroll for more

swipe icon

Some of the links in the table above and on this page will take you to one of our partner's sites where you can compare and apply for a selected credit card.

On This Page:
tip icon
MONEYGEEK QUICK TIP:

If you plan to maintain revolving credit in your account, consider getting a no annual fee card with an intro 0% APR offer on purchases, as this can help you save during the first 12 to 18 months. However, note that the card’s regular APR will kick in at the end of the promotional period.

Best Credit Cards With No Annual Fee

It’s becoming increasingly common for no annual fee cards to offer rewards or cash back on category-based spending. If you’re looking for a credit card with no annual fees and cash back options, be sure to account for the categories in which you tend to spend the most, as this will have a bearing on the rewards you earn.

Amazon Prime Rewards Visa Signature Card - Best for earning cash back
Once Chase approves your application for a new Amazon Prime Rewards Visa Signature Card, you receive a $100 Amazon Gift Card. Cardholders with eligible Prime membership earn:

  • 5% cash back at Amazon.com and Whole Foods Market,
  • 2% cash back at gas stations, restaurants and drugstores.
  • 1% in all other purchases
  • 10% or more cash back through limited time offers at Amazon.com.

Breaking your purchases down into equal monthly payments and not having to pay interest is possible. Using this card outside of the U.S. is perfect because it charges no foreign transaction fees. Additional benefits include travel and emergency assistance, travel accident insurance, lost luggage reimbursement, baggage delay insurance, auto rental collision damage waiver, roadside dispatch, purchase protection and extended warranty protection.

Capital One SavorOne Cash Rewards Credit Card - Ideal for earning cash back on dining, grocery and entertainment
The Capital One SavorOne Cash Rewards Credit Card lets you earn a one-time early spend bonus of $200 by spending $500 on purchases in the first three months. You get:

  • 3% cash back at grocery stores as well as on dining and popular streaming services
  • All other purchases earn 1% cash back.

An intro 0% APR offer applies on purchases and balance transfers for 15 months. This card comes with no foreign transaction fees. Additional benefits include extended warranty, travel accident insurance, and access to a complimentary concierge service, 24-hour travel assistance services, Capital One Dining and Capital One Entertainment.

Blue Cash Everyday® Card from American Express - Great for cash back on gas, online purchases and grocery in the U.S.
The Blue Cash Everyday® Card from American Express offers a welcome bonus of $250 back if you spend $2,000 on purchases in the first six months. You get 3% back on grocery spending of up to $6,000 at U.S. supermarkets each year. The same cash back rate and spending limits apply separately on U.S. online retail purchases and on gas purchases at U.S. gas stations. All other purchases earn 1% cash back.

This card comes with a 0% APR offer on purchases and balance transfers for 15 months. It does away with plan fees for Buy Now, Pay Later plans created in the first 15 months. You get $7 back every month if you spend at least $13.99 on an eligible Disney Bundle subscription each month. A $180 annual Home Chef Credit is also there for the taking. Added benefits include complimentary car rental loss and damage insurance, purchase protection and access to American Express Experiences.

Capital One Quicksilver Cash Rewards Credit Card - Perfect for cash back on everyday purchases
The Capital One Quicksilver Cash Rewards Credit Card offers a one-time early spend cash bonus of $200 if you spend $500 on purchases in the first three months. It lets you earn unlimited 5% cash back on hotel and car rental bookings made through Capital One Travel. All other purchases earn 1.5% cash back. This card comes with an intro 0% APR offer on purchases and balance transfers for 15 months. Using it outside of the U.S. does not attract any foreign transaction fees. Added perks include extended warranty, travel accident insurance, and access to 24-hour travel assistance services, a complimentary concierge service, Capital One Dining and Capital One Entertainment.

Chase Freedom Unlimited - Ideal for earning cash back on dining and drugstore purchases
The Chase Freedom Unlimited Card comes with a relatively easy to earn spend-based welcome bonus, and it gives you the option of earning more cash back on gas station purchases during the first year: 5% cash back on up to $6,000 spent on these purchases. This card offers

  • 5% cash back on travel purchases made through Chase Ultimate Rewards,
  • 3% cash back on dining (including takeout and eligible delivery services) and drugstore purchases, and
  • 1% cash back on all other purchases.

An intro 0% APR offer applies on purchases and balance transfers for 15 months. Added benefits include purchase protection, extended warranty, trip cancellation/interruption insurance, auto rental collision damage waiver and access to travel and emergency assistance services.

Citi Custom Cash℠ Card - Good for earning cash back on your top spending category
The Citi Custom Cash℠ Card offers $200 cash back to cardholders who spend $750 on purchases in the first three months. You get to earn 5% cash back on up to $500 spent on your top eligible spending category each month, which may include grocery stores, gas stations, restaurants, drugstores, live entertainment, home improvement stores, fitness clubs, select travel, select transit and select streaming services. You get 1% cash back on all other purchases. This card comes with an intro 0% APR offer on purchases and balance transfers for 15 months. Choosing your own payment due date is possible. You also get access to Citi Entertainment.

Chase Freedom Flex℠ - Great for earning high cash back through revolving categories and on travel, dining and drugstore purchases
The Chase Freedom Flex℠ Card comes with a spend-based welcome bonus and lets you earn more cash back during the first year. Cardholders earn

  • 5% cash back through revolving quarterly bonus categories that they need to activate and on travel purchases made through Chase Ultimate Rewards. Examples of bonus categories include eBay, grocery stores, gas stations, movie theaters and car rental agencies.
  • 3% on dining (including takeout and eligible delivery services) and drugstore purchases, and
  • 1% on all other purchases come with 1% cash back.

This card has an intro 0% APR offer that applies on purchases and balance transfers for 15 months. Added benefits include purchase protection, extended warranty, cell phone protection, auto rental collision damage waiver, trip cancellation/interruption insurance and access to travel and emergency assistance services. Multiple Mastercard World Elite benefits are there for the taking as well.

U.S. Bank Altitude® Go Visa Signature® Card - Good for earning rewards on dining, grocery and gas/EV charging
The U.S. Bank Altitude® Go Visa Signature® Card lets you earn 20,000 bonus points (valued at $200) by spending $1,000 on purchases in the first 90 days.

  • Spending on dining, including takeout and restaurant delivery, comes with 4X points per dollar.
  • Grocery store, grocery delivery, gas station, EV charging station and streaming service purchases earn 2X points per dollar.
  • You get 1X points per dollar on all other purchases.

A 0% APR offer applies on purchases and balance transfers for 12 billing cycles. The ExtendPay Plan lets you pay for your purchases through fixed monthly payments by paying a monthly fee and no interest. This card does not charge foreign transaction fees. Using it to pay for an eligible streaming service subscription may qualify you to earn a $15 annual credit.

Capital One VentureOne Rewards Credit Card - Ideal for earning rewards through Capital One Travel and on everyday purchases
The Wells Fargo Active Cash® Card lets you earn a $200 cash reward bonus by spending $1,000 on purchases in the first three months. It simplifies the way you earn cash back by offering flat 2% cash back on all purchases. A 0% APR offer applies on purchases and balance transfers for 15 months. This card comes with complimentary cell phone protection. It also offers access to a 24/7 concierge service and the Visa Signature Hotel Collection.


  • Amazon Prime Rewards Visa Signature Card

    A great no annual fee rewards card for Amazon Prime members


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 1% - 5% Cash BackRewards Rate
    • 2xRewards Rate on Dining
    • 2xRewards Rate on Gas

    Terms, rates and fees apply

  • Capital One SavorOne Cash Rewards Credit Card

    A great no-annual-fee card that comes with rewards


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 3% Cash Back*Rewards Rate
    • 3xRewards Rate on Entertainment
    • 2xRewards Rate on Groceries

  • Blue Cash Everyday® Card from American Express

    A simple cash back card that’s best for everyday purchases.


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 1–3% Cash Back*Rewards Rate
    • 1xRewards Rate on Gas
    • 1xRewards Rate on Groceries

  • Capital One Quicksilver Cash Rewards Credit Card

    Best cash back rewards credit card for everyday spending


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1.5% Cash BackRewards Rate
    • 1.5xRewards Rate on Dining
    • 1.5xRewards Rate on Online Shopping

  • Chase Freedom Unlimited®

    An excellent no-annual-fee card that lets you earn unlimited cash back


    • ExcellentRecommended Credit
    • $0Annual Fee
    • 1.5–5% Cash BackRewards Rate
    • 3xRewards Rate on Dining
    • 5xRewards Rate on Air Travel

  • Citi Custom Cash℠ Card

    A great no annual fee cash back card with a unique bonus category system


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 1% - 5% Cash BackRewards Rate
    • 15 monthsAPR Offer Duration
    • 15 monthsBalance Transfer Duration

  • Chase Freedom Flex℠

    An easy-to-use cash back card with quarterly rotating bonus categories


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 1–5% Cash Back*Rewards Rate
    • 5xRewards Rate on Air Travel
    • 3xRewards Rate on Dining

  • U.S. Bank Altitude® Go Visa Signature® Card

    Solid dining rewards card with no annual fee


    • ExcellentRecommended Credit
    • $0Annual Fee
    • 1–4 Points per $1Rewards Rate
    • 4xRewards Rate on Dining
    • 2xRewards Rate on Gas

  • Capital One VentureOne Rewards Credit Card

    The best travel rewards card with no annual or foreign transaction fees


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 1.25 Miles per $1Rewards Rate
    • 1.25xRewards Rate on Air Travel
    • 1.25xRewards Rate on Entertainment

  • Wells Fargo Active Cash® Card

    A great no annual fee cash back card with a 0% APR offer


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 2% Cash BackRewards Rate
    • 2xRewards Rate on Gas
    • 2xRewards Rate on Groceries

Best Business and Travel Credit Cards With No Annual Fee

Owing to the significant number of no-annual-fee cards in the market and the varied purposes they serve, we have selected the top ones from across different categories. As a result, irrespective of whether you’re looking for a travel, business, hotel or airline credit card, you can find a no-annual-fee card that suits your needs.

Travel Credit Card - Bank of America Norwegian Cruise Line World Mastercard
This card is perfect for people who use Norwegian Cruise Line because all purchases with this company earn 3X WorldPoints points per dollar. Eligible hotel and airline purchases earn 2X points per dollar, and you get 1X points per dollar on all other purchases. If you spend $1,000 on purchases in the first 90 days, you earn 20,000 bonus points. You may redeem your points for travel discounts, stateroom upgrades, onboard credits, hotel stays, car rentals and more. Using this card outside of the U.S. is perfect because it comes with no foreign transaction fees.

Business Credit Card - American Express Blue Business Plus Credit Card
This business card from Amex offers a welcome bonus of 15,000 Membership Rewards points if you spend $3,000 on eligible purchases in the first three months. It lets you earn 2X points per dollar on eligible everyday spending of up to $50,000 per calendar year. You also earn 1X points per dollar on all other eligible purchases on spending of up to $50,000 per calendar year. An intro 0% APR offer applies on purchases for 12 months. Employee cards also earn rewards, and they come with no annual fees. This card offers purchase protection and extended warranty.

Hotel Credit Card - IHG® Rewards Traveler Credit Card
The IHG® Rewards Traveler Credit Card comes with a sizable spend-based welcome bonus, and it also lets you earn bonus points each year by meeting a spend-based requirement. You get the ability to earn a total of up to 17X points per dollar at IHG Hotels and Resorts. Dining, gas station, utilities and select streaming service purchases earn 3X points per dollar. You get 2X points per dollar on all other purchases. Silver Elite Status comes with this card, which you may elevate to Gold Elite by spending $20,000 on purchases and making at least one additional purchase every calendar year. When you redeem your points for three free nights, you get a fourth one for free. Additional benefits include no foreign transaction fees, purchase protection, baggage delay insurance, lost luggage reimbursement and trip cancellation/trip interruption insurance.

Airline Credit Card - United Gateway Card
The United Gateway Card lets you earn a sizable welcome bonus by meeting a relatively simple spend-based requirement, and it comes with an intro low APR offer. You earn 2X miles per dollar on United Airlines purchases and local transit/commuting as well as at gas stations. All other purchases earn 1X miles per dollar. Using this card to pay for food, beverages and Wi-Fi on United-operated flights comes with 25% back. There are no blackout dates when you use your miles to book United-operated flights. Added benefits include no foreign transaction fees, purchase protection, extended warranty protection, auto rental collision damage waiver and trip cancellation/trip interruption insurance.

tip icon
NOFOREIGNTRANSACTIONFEE

If you plan to use your no-annual-fee card outside of the U.S., get one with no foreign transaction fees, failing which you’ll end up paying an added fee for each international transaction.

Quick Tips for Comparing No Annual Fee Credit Card Offers

There is more to selecting a credit card than looking at its annual fee. The card’s APR affects the amount you pay as interest. It’s also important to consider each card’s fees, rewards, sign-up bonuses and added perks.

  • Card Feature
    Description
  • APR
    APR is important to be aware of, especially if you plan to carry forward outstanding balances from one month to the next. Consider this example — say you have an outstanding debt of $1,000 that you repay by making $100 payments each month. If you get a card with a 13.25% APR, you’ll end up paying $61 as interest. If the APR was 24.5%, you’d pay $115 as interest.
  • Fees
    Late fees and returned check fees are a staple with all credit cards, although the amount might vary from one card to the next. If you plan to use your card outside of the U.S., look for one that comes with no foreign transaction fees. Otherwise, you might need to pay up to 3% on each international transaction. For example, that’s $60 in fees for a $2,000 transaction.
  • Rewards
    These can come in the form of reward points or cash back. With reward points, you need to determine the dollar value of each point, as these tend to vary. Some cards let you earn points faster when you spend across specific categories such as dining, entertainment, gas and groceries. Look at how you may redeem your rewards as well, as not all cards offer the same methods.
  • Bonuses
    Some no annual fee credit cards offer sign-up bonuses. Earning these bonuses typically requires that you meet predetermined spending criteria, but can equal large rewards like cash back or travel miles.
  • Added Perks
    Despite not charging any yearly fees, some no annual fee cards offer additional benefits, like purchase protection and complimentary travel insurance.
Our Best Credit Cards For:

noAnnualFee

MoneyGeek’s Quick Guide to Understanding No Annual Fee Credit Cards

A no annual fee credit card doesn’t charge the cardholder a yearly fee. They can offer great value through rewards and cash back. Some such cards offer intro bonuses, and you may also find ones that charge no foreign transaction fees. No annual fee cards may work well for people who don’t spend much money, are looking for their first cards or are uninterested in paying a yearly recurring fee.

Pros and Cons of No Annual Fee Credit Card

Key Takeaways

plusSign
Pros
  • No annual fees for the life of the card
  • Possible to earn rewards/cash back
  • Various card-specific benefits
minusSign
Cons
  • Not the best welcome offers
  • Typically modest reward/cash back rates
  • Often missing premium benefits
  • Might need good or excellent credit to qualify

Getting a credit card with no yearly fees requires an application process where the card issuer examines your existing finances and creditworthiness.

Annual Fee Cards vs. No Annual Fee Credit Cards

Given the high number of no annual fee credit cards on the market, it’s fair to wonder if it makes sense to pay a yearly fee to use a card. In most cases, credit cards that come with annual fees offer an array of travel benefits, favorable reward structures and large bonuses.

Cards with fees may be worth it to you if the benefits and rewards offset and exceed the annual charge. However, many cards without fees offer similar benefits that could provide you sufficient value based on your situation. Weighing the value of benefits against how you use credit cards can help you choose between a card with fees and without.

If you wish to get a premium card with annual fees, you will likely need to have good or excellent credit.

  • This is an icon

    Reward Rates

    Credit cards that come with annual fees tend to have better reward rates than no annual fee cards. If you’re prepared to pay a yearly fee, you may find cards that offer up to 5% cash back on category-based spending. Determining if paying a fee is worth the rewards you earn requires that you calculate your estimated earnings in rewards and compare it with the annual fee you’ll need to pay.

  • This is an icon

    Travel Benefits

    Some of the common benefits linked with premium annual fee credit cards include travel insurance, elite membership status in hotel or airline reward programs that come with added perks. Additional benefits may include airport lounge access, discounts on flight and hotel bookings, bonus credit that cardholders may use with ride sharing companies, TSA PreCheck and the ability to transfer points to various airline or hotel reward programs.

  • This is an icon

    Bonuses

    Some annual fee cards offer yearly bonus points if you meet predetermined spending criteria. For example, a card might offer 5,000 bonus points if you spend at least $10,000 in a year. One-time welcome bonuses provided by annual fee cards are typically more substantial than the sign-up bonuses you’ll find through no annual fee cards. While an intro bonus might seem appealing initially, you need to determine if the card in question will provide value in years to come.

Who Should Use No Annual Fee Credit Cards?

You may want to consider getting a no annual fee credit card if you meet one or more of these criteria:

  • You’re a new credit card user. If you've never used a credit card until now, getting one with no annual fees to learn the ropes might be in your best interest. While you develop responsible spending habits, you’ll also improve your credit.
  • You want to rebuild your credit. People with poor or limited credit might benefit from no annual fee cards, provided they start maintaining good financial habits. As long as they continue to make timely repayments, they may expect to improve their credit scores.
  • You’re looking to save on interest. If you have outstanding debt on a card with a high APR, you might benefit by getting a no annual fee card that comes with a 0% intro APR offer on balance transfers. Depending on the card you get, the 0% APR may stay in place from 12 to 18 months.
  • You don’t use your card much. If you intend to use your credit card occasionally, a no annual fee card might be best for you. Typically, benefiting from annual fee cards requires that you spend a tidy sum throughout the year.
  • You want to diversify your benefit options. Some people who have existing cards get no annual fee cards to make the most of what’s on offer. For instance, while a premier card might limit its rewards to spending across specific categories, a cash back card with no annual fees can give you the ability to earn unlimited cash back on all your purchases.
  • You don’t have outstanding balances. If you plan to pay off your balances in full each month, you don’t have to worry about a high APR that might come with your no annual fee card.
tip icon
MONEYGEEK EXPERT TIP

Traveling or making a big purchase soon? If you apply for a credit card and are approved, call customer service immediately, and kindly ask them to overnight the card to you. They will likely say yes, and do this free of charge. — Brett Holzhauer, Personal Finance Reporter

Using a No Annual Fee Credit Card as a Stepping Stone

A no annual fee credit card gives you a cost-effective way to learn how credit cards work and how to be responsible with your finances. You may use your no annual fee card as a stepping stone to build your credit history. This can result in an increased credit limit and open the door to more specialized and premium cards.

Moving forward, you can think about getting an annual fee card with the aim of increasing your reward earning potential. While finding a no annual fee card with rewards is fairly easy, annual fee cards tend to offer better perks.

How Can I Get a Credit Card With No Annual Fee?

Start by selecting a no-annual-fee card based on your spending patterns and requirements. For instance, if you wish to earn cash back as an individual, you can get up to 2% cash back on all purchases through the Citi® Double Cash Card. On the other hand, business users may benefit by getting 5% cash back on purchases at office supply stores, as offered by the Ink Business Cash® Credit Card.

Next, look at the credit score required to qualify for any given card, and apply only if you meet this criterion.

Once you’ve found the card you wish to get, apply online, over the phone or via mail. Information you need to provide includes:

  • Personal details (complete name, date of birth and Social Security Number)
  • Contact details (phone number, residential address and email address)
  • Employment and income details

In some cases, credit card issuers inform applicants about their decision in minutes. However, since the approval process might involve looking over your finances and credit history, it can take a week or more. You might have to wait for up to 14 days to receive your approved card through the mail.

How We Rank No Annual Fee Credit Cards

Top Rating Criteria for No Annual Fee Credit Cards

noFee
No Annual Fee
rewards
Rewards
lowInterestAPR
APR

MoneyGeek’s best credit cards rankings are determined using public data from card issuers and other reputable sources, such as the Consumer Finance Protection Bureau. Our experts look over each card's fees, rewards, benefits, interest rates and more to rate each feature. These ratings are stack ranked and weighted for each card category to determine our top picks for each user. Each month, we revisit our data to update our ratings, recommendations, and other card information as needed because we know credit card features regularly change. View our methodology page to learn more about how we collect data and rank cards.

FAQs About No Annual Fee Credit Cards

Questions surrounding the use of no annual fee cards are plentiful, and we’ve answered the most commonly asked ones below.

Just how well a no annual fee card works for you depends on factors such as how much money you spend, the rewards you want and whether or not you pay off your balances in full each month.

Tips From The Pros: Finding the Right No Annual Fee Card

  1. What are some pros and cons of no annual fee credit cards?
  2. What should consumers consider when comparing no annual fee credit cards?
  3. What are some reasons to consider paying an annual fee for a credit card?
Harry P. Bowen, Ph.D.
Harry P. Bowen, Ph.D.

Professor, McColl School of Business at Queens University of Charlotte

Emily Carlson Goenner
Emily Carlson Goenner

Assistant Professor, Herberger Business School at St. Cloud State University

Timothy Moreland
Timothy Moreland

Assistant Professor of Economics at The University of North Carolina – Greensboro

Dr. Aleksandar (Sasha) Tomic
Dr. Aleksandar (Sasha) Tomic

Economist and Program Director of Boston College's MS in Applied Economics Program, Associate Dean, Strategy, Innovation, & Technology, Woods College of Advancing Studies, Boston College

Larry Duffany
Larry Duffany

Principal Owner, Larry the Money Medic

Laurie Meamber
Laurie Meamber

Associate Professor of Marketing at George Mason University

May Jiang
May Jiang

CPA, CFP®, Founder of Beyond Profit and Wealth Consulting

Lambrianos Nikiforidis, Ph.D.
Lambrianos Nikiforidis, Ph.D.

Assistant Professor of Marketing at SUNY Oneonta

Dr. Brian J Adams
Dr. Brian J Adams

Associate Dean of Graduate Business Programs and Professor of Finance at the University of Portland's Pamplin School of Business

Steven J. Welch
Steven J. Welch

Associate Professor of Finance and Chair of the Department of Accounting & Finance at at College of Saint Benedict/Saint John's University

Michael Manahan
Michael Manahan

Lecturer at California State University, Dominguez Hills

Jeff Johnson, Ph.D.
Jeff Johnson, Ph.D.

Associate Professor of Marketing at the University of Missouri-Kansas City's Henry W. Bloch School of Management

Wayne Gawlik
Wayne Gawlik

Professor and Dollars and $ense Advisor at Joliet Junior College

Dr. Chris Phillips
Dr. Chris Phillips

Professor of Economic and Statistics at Somerset Community College

Bill Schretter, CLU, ChFC, CFP, ATA, CFC
Bill Schretter, CLU, ChFC, CFP, ATA, CFC

CFP Board Ambassador and an Adjunct Faculty Member at UC

Shilpi Sunil Kumar
Shilpi Sunil Kumar

Assistant Professor of Economics at the College of Saint Benedict and St. John's University

Dr. Andrew Burnstine
Dr. Andrew Burnstine

Associate Professor of Marketing at Lynn University

Trae Bodge
Trae Bodge

Smart Shopping Expert and Founder of TrueTrae.com

Dr. Yibing Du
Dr. Yibing Du

Clinical Assistant Professor at The University of Texas at Arlington

Kathryn Morrison
Kathryn Morrison

Instructor at the School of Health & Consumer Sciences at South Dakota State University

Shawn DaCruz
Shawn DaCruz

Investment Advisor Representative at Gerber Kawasaki Wealth & Investment Management

Dr. Aniruddha Pangarkar
Dr. Aniruddha Pangarkar

Assistant Professor of Marketing at the University of Wisconsin-Green Bay

Kenneth Romanowski, CFP®, CTFA, MBA
Kenneth Romanowski, CFP®, CTFA, MBA

Adjunct Faculty, Rosemont College and Semi-Retired Senior Financial Advisor

Jared Watson
Jared Watson

Assistant Professor of Marketing at New York University Stern School of Business

Pamela Drake
Pamela Drake

Chandler/Universal Eminent Professor of Finance at James Madison University

Josiah R. Baker
Josiah R. Baker

Nimocks Professor of International Business, Professor of Financial Economics at Methodist University

John Korsak
John Korsak

Assistant Teaching Professor, University of Massachusetts Lowell, Economics Department

Dr. Martin Mulyadi
Dr. Martin Mulyadi

Associate Professor of Accounting at Shenandoah University

Ahmed Maamoun
Ahmed Maamoun

Assistant Professor of Marketing at the University of Minnesota

Norbert Tschakert, Ph.D., CPA
Norbert Tschakert, Ph.D., CPA

Gassett-Schiller '83 Professor of Accounting at the Bertolon School of Business at Salem State University

Nadia Nafar
Nadia Nafar

Assistant Professor of Management, Business and Economics

Yong Chao, PhD
Yong Chao, PhD

Professor of Economics at the College of Business, University of Louisville

Next Steps

About the Author


Rajiv Baniwal has been writing about different financial topics for over 15 years. Meticulous in his research, he makes sure he provides accurate and up-to-date information. His areas of expertise include mortgages, personal loans, credit cards, insurance and international money transfers.


sources
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.