You also asked about cards with no annual fees. That is a tougher question, as there are scads of cards with no annual fee. What you need to do first is determine what you want in a card, and answer the question of how you will use it.
Are you a student seeking cash back for gas and food? Do you have established credit, good payment history and are you seeking reward miles? Once you can answer some of those questions, then you can search for a selection of cards that match your important criteria. From those, you can further narrow your choices based upon such things as annual fees.
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- I am interested in a credit card that doesn't charge 3 percent for foreign transactions.
- Which credit card company has the best rates on convenience checks?
- What specific credit cards are offered by U.S. banks and credit unions that duplicate the European EMV chip-and-PIN design and do not include foreign transaction fees?













