Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.
While there are plenty of credit cards that don’t charge an annual fee, there are still ongoing costs to watch out for. For starters, you’ll pay credit card interest whenever you carry a balance from month to month, and you’ll likely encounter other fees like over-the-limit fees and late fees.
If you’re considering a new credit card and worried about paying late, consider these options that don’t charge a late payment fee.
Find the right no late fee credit card for you
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn unlimited 1.5x Miles on all purchase
Unlimited Bonus: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. 1% cash back on eligible purchases right away. 2% – 10% cash back at select merchants.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Best for cash back: Discover it Cash Back
Regular APR
14.24% – 25.24% Variable
Recommended Credit Score
Good to Excellent
- From July 1 to September 30, 2022, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment, then 1%
- Discover will match your cash back earned at the end of your first account year
- No annual fee
- Cap on how much bonus cash back you can earn each quarter
- If the quarterly categories aren’t convenient for you, you can earn more cash back with a different card
Read Our Review
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- New! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 14.24% to 25.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click “Apply Now” to see terms and conditions.
Best for students: Discover it Student Cash Back
Regular APR
15.24% – 24.24% Variable
Recommended Credit Score
Fair/New to Credit
- From July 1 to September 30, 2022, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment, then 1%
- Discover matches your cash back after the first year
- Not the most rewarding cash-back card for non-bonus purchases
Read Our Review
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- New! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% – 24.24% applies.
- Click “Apply Now” to see terms and conditions.
Best if you don’t want to track bonus categories: Discover it Miles
Regular APR
14.24% – 25.24% Variable
Recommended Credit Score
Good to Excellent
- Unlimited Bonus: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase – with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- 0% intro APR for 15 months on purchases. Then 14.24% – 25.24% Standard Variable Purchase APR will apply.
- New! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click “Apply Now” to see terms and conditions.
Best if you’re building credit or new to credit: Petal 2 Visa
Regular APR
15.24% – 29.24% Variable
Recommended Credit Score
No credit and limited credit to Excellent
- No fees
- Earn 1% cash back on every purchase. Earn 1.25% back after making six on-time payments. Then, earn 1.5% back after making 12 on-time payments on your card
- You can build credit with responsible credit use
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 15.24% – 29.24%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% – 10% cash back at select merchants
- $300 – $10,000 credit limits
- No credit score? No problem. If eligible, we’ll create your Cash Score instead.
- See if you’re pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank, Member FDIC
Best for debt consolidation: Citi Simplicity
Regular APR
16.99% – 26.99% Variable
Recommended Credit Score
Good to Excellent
- Offers one of the longest intro APR periods for balance transfers (21 months)
- No late fees or penalty APR for late payments
- Higher balance transfer fee than some other cards
- Doesn’t offer rewards, so you may want to upgrade to another card once you’re done paying off your debt
Read Our Review
- No Late Fees, No Penalty Rate, and No Annual Fee… Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.99% – 26.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Best if you spend a lot at Apple: Apple Card
Regular APR
10.99% – 21.99% Variable
Recommended Credit Score
No Credit History
- Strong cash-back earning when you use Apple Pay
- Cash back is paid daily into your account
- No annual fee, late fees, or foreign transaction fees
- No welcome bonus
- Requires an Apple device to earn the most cash back
- Few benefits compared to other rewards credit cards
- Earn 3% cash back when you use your Apple Card to shop at Apple and select merchants (including Nike, Uber, and Walgreens)
- Earn 2% back when you pay for purchases with Apple Pay
- Earn 1% back on other purchases when you use your physical card or pay online using your card number instead of Apple Pay
- 0% APR installment financing on select Apple purchases
- No annual fee, over-the-limit fee, foreign transaction fees, or late fees
- Apple Card Family allows up to 5 members of your household to be authorized users on your account
Compare the best credit cards with no late fees for the first late payment (or ever)
Average credit card late fees are $35 to $41, and can vary from card to card. And remember that, on top of late fees, you may also be assessed a penalty APR when you pay your bill late. This APR is typically higher than the interest rate you’re currently paying, and card issuers have the right to charge it any time you pay your bill past your due date.
But some credit cards don’t charge any late fees for your first late payment, or, in some cases, any late fees at all. This benefit can be important if you’re worried about falling behind on payments due to financial upheaval, or if you just want to make sure you have some wiggle room every once in a while.
Discover it Cash Back
Late fee benefit: You won’t pay a late fee on your first late payment, and paying late won’t trigger a penalty APR. After that, the fee is up to $41.
Key features:
- Earn 5% back on up to $1,500 spent in rotating quarterly bonus categories (then 1%) as well as 1% back on other purchases (from July 1 to September 30, 2022, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment, then 1%)
- Discover will match all the rewards you earn as a new cardholder at the end of your first year
- Every $1 you earn in cash back is $1 you can redeem for statement credits, gift cards, and more
Best for: This card is ideal for anyone who wants to earn cash back rewards without an annual fee. Since your rewards never expire and you can redeem them in $1 increments, the Discover it® Cash Back is also a good option for anyone who wants flexibility.
Review: Discover it Cash Back card review
Discover it Student Cash Back
Late fee benefit: You won’t pay a late payment fee on your first late payment, and there’s no penalty APR.
Key features:
- Earn 5% back on up to $1,500 spent in rotating quarterly bonus categories (then 1%) as well as 1% back on all other purchases (from July 1 to September 30, 2022, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment, then 1%)
- Discover will match all the rewards you earn as a new cardholder at the end of your first year
Best for: This student credit card lets young people build credit and earn rewards at the same time. It’s best for those with limited credit histories who can’t qualify for a traditional unsecured credit card quite yet.
Review: Discover it Student Cash Back card review
Discover it Miles
Late fee benefit: This card won’t charge a late fee for your first late payment, nor will it charge a penalty APR. After that, the fee is up to $41.
Key features:
- Earn 1.5 miles for each dollar you spend
- Discover will match all the miles you earn as a new cardholder at the end of your first year
- Redeem your miles to cover travel purchases made to your card, or for cash back or statement credits for other purchases
Best for: The Discover it® Miles lets you earn flexible miles you can redeem for any type of travel or for straight cash back, making this card a good option for frequent travelers who don’t want to be tied down to just one hotel or airline loyalty program
Review: Discover it Miles card review
Petal 2 Visa Card
Late fee benefit: This card doesn’t charge any late fees or hidden fees.
Key features:
- Earn 1% back on your eligible purchases right away, then graduate to 1.25% back after six on-time payments and 1.5% back after you make 12 on-time payments with your credit card
- Receive a credit limit from $300 to $10,000 (based on your credit profile)
- No annual fee
Best for: The Petal® 2 “Cash Back, No Fees” Visa® Credit Card (card issued by WebBank, Member FDIC) was created to help people with limited credit build their credit history over time. With that in mind, this card is ideal for anyone who wants to build credit and earn rewards at the same time without any fees.
Citi Simplicity Card
Late fee benefit: This card doesn’t charge any late fees at all, and it doesn’t have a penalty APR.
Key features:
- Secure 0% intro APR on purchases for 12 months and on balance transfers for 21 months, followed by an APR of 16.99% – 26.99% Variable
- 5% balance transfer fee (minimum $5) applies when you transfer a balance
- No annual fee
- Choose your payment due date
Best for: The Citi Simplicity® Card doesn’t offer any rewards — it’s geared toward people who need to consolidate debt instead. You’ll get one of the longest 0% intro APR offers on the market today, which can help you consolidate debt and pay it off faster.
Review: Citi Simplicity credit card review
Apple Card
Late fee benefit: The Apple Card doesn’t charge any penalty fees or late fees.
Key features:
- Earn 3% back on all purchases made with Apple and on purchases with select merchants made through Apple Pay, 2% back on all purchases made through Apple Pay, and 1% back on all other purchases
- No annual fee
- Special financing offers for Apple products, including iPhones
Best for: This card is a winner for anyone who purchases a lot of Apple products, or makes many of their purchases using Apple Pay.
Review: How the new Apple Card compares to top rewards credit cards from Amex, Capital One, and more
Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.
While there are plenty of credit cards that don’t charge an annual fee, there are still ongoing costs to watch out for. For starters, you’ll pay credit card interest whenever you carry a balance from month to month, and you’ll likely encounter other fees like over-the-limit fees and late fees.
If you’re considering a new credit card and worried about paying late, consider these options that don’t charge a late payment fee.
Find the right no late fee credit card for you
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year
Earn unlimited 1.5x Miles on all purchase
Unlimited Bonus: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. 1% cash back on eligible purchases right away. 2% – 10% cash back at select merchants.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Best for cash back: Discover it Cash Back
Regular APR
14.24% – 25.24% Variable
Recommended Credit Score
Good to Excellent
- From July 1 to September 30, 2022, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment, then 1%
- Discover will match your cash back earned at the end of your first account year
- No annual fee
- Cap on how much bonus cash back you can earn each quarter
- If the quarterly categories aren’t convenient for you, you can earn more cash back with a different card
Read Our Review
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- New! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 14.24% to 25.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click “Apply Now” to see terms and conditions.
Best for students: Discover it Student Cash Back
Regular APR
15.24% – 24.24% Variable
Recommended Credit Score
Fair/New to Credit
- From July 1 to September 30, 2022, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment, then 1%
- Discover matches your cash back after the first year
- Not the most rewarding cash-back card for non-bonus purchases
Read Our Review
- Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- New! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% – 24.24% applies.
- Click “Apply Now” to see terms and conditions.
Best if you don’t want to track bonus categories: Discover it Miles
Regular APR
14.24% – 25.24% Variable
Recommended Credit Score
Good to Excellent
- Unlimited Bonus: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase – with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- 0% intro APR for 15 months on purchases. Then 14.24% – 25.24% Standard Variable Purchase APR will apply.
- New! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click “Apply Now” to see terms and conditions.
Best if you’re building credit or new to credit: Petal 2 Visa
Regular APR
15.24% – 29.24% Variable
Recommended Credit Score
No credit and limited credit to Excellent
- No fees
- Earn 1% cash back on every purchase. Earn 1.25% back after making six on-time payments. Then, earn 1.5% back after making 12 on-time payments on your card
- You can build credit with responsible credit use
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 15.24% – 29.24%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% – 10% cash back at select merchants
- $300 – $10,000 credit limits
- No credit score? No problem. If eligible, we’ll create your Cash Score instead.
- See if you’re pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank, Member FDIC
Best for debt consolidation: Citi Simplicity
Regular APR
16.99% – 26.99% Variable
Recommended Credit Score
Good to Excellent
- Offers one of the longest intro APR periods for balance transfers (21 months)
- No late fees or penalty APR for late payments
- Higher balance transfer fee than some other cards
- Doesn’t offer rewards, so you may want to upgrade to another card once you’re done paying off your debt
Read Our Review
- No Late Fees, No Penalty Rate, and No Annual Fee… Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.99% – 26.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Best if you spend a lot at Apple: Apple Card
Regular APR
10.99% – 21.99% Variable
Recommended Credit Score
No Credit History
- Strong cash-back earning when you use Apple Pay
- Cash back is paid daily into your account
- No annual fee, late fees, or foreign transaction fees
- No welcome bonus
- Requires an Apple device to earn the most cash back
- Few benefits compared to other rewards credit cards
- Earn 3% cash back when you use your Apple Card to shop at Apple and select merchants (including Nike, Uber, and Walgreens)
- Earn 2% back when you pay for purchases with Apple Pay
- Earn 1% back on other purchases when you use your physical card or pay online using your card number instead of Apple Pay
- 0% APR installment financing on select Apple purchases
- No annual fee, over-the-limit fee, foreign transaction fees, or late fees
- Apple Card Family allows up to 5 members of your household to be authorized users on your account
Compare the best credit cards with no late fees for the first late payment (or ever)
Average credit card late fees are $35 to $41, and can vary from card to card. And remember that, on top of late fees, you may also be assessed a penalty APR when you pay your bill late. This APR is typically higher than the interest rate you’re currently paying, and card issuers have the right to charge it any time you pay your bill past your due date.
But some credit cards don’t charge any late fees for your first late payment, or, in some cases, any late fees at all. This benefit can be important if you’re worried about falling behind on payments due to financial upheaval, or if you just want to make sure you have some wiggle room every once in a while.
Discover it Cash Back
Late fee benefit: You won’t pay a late fee on your first late payment, and paying late won’t trigger a penalty APR. After that, the fee is up to $41.
Key features:
- Earn 5% back on up to $1,500 spent in rotating quarterly bonus categories (then 1%) as well as 1% back on other purchases (from July 1 to September 30, 2022, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment, then 1%)
- Discover will match all the rewards you earn as a new cardholder at the end of your first year
- Every $1 you earn in cash back is $1 you can redeem for statement credits, gift cards, and more
Best for: This card is ideal for anyone who wants to earn cash back rewards without an annual fee. Since your rewards never expire and you can redeem them in $1 increments, the Discover it® Cash Back is also a good option for anyone who wants flexibility.
Review: Discover it Cash Back card review
Discover it Student Cash Back
Late fee benefit: You won’t pay a late payment fee on your first late payment, and there’s no penalty APR.
Key features:
- Earn 5% back on up to $1,500 spent in rotating quarterly bonus categories (then 1%) as well as 1% back on all other purchases (from July 1 to September 30, 2022, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases after enrollment, then 1%)
- Discover will match all the rewards you earn as a new cardholder at the end of your first year
Best for: This student credit card lets young people build credit and earn rewards at the same time. It’s best for those with limited credit histories who can’t qualify for a traditional unsecured credit card quite yet.
Review: Discover it Student Cash Back card review
Discover it Miles
Late fee benefit: This card won’t charge a late fee for your first late payment, nor will it charge a penalty APR. After that, the fee is up to $41.
Key features:
- Earn 1.5 miles for each dollar you spend
- Discover will match all the miles you earn as a new cardholder at the end of your first year
- Redeem your miles to cover travel purchases made to your card, or for cash back or statement credits for other purchases
Best for: The Discover it® Miles lets you earn flexible miles you can redeem for any type of travel or for straight cash back, making this card a good option for frequent travelers who don’t want to be tied down to just one hotel or airline loyalty program
Review: Discover it Miles card review
Petal 2 Visa Card
Late fee benefit: This card doesn’t charge any late fees or hidden fees.
Key features:
- Earn 1% back on your eligible purchases right away, then graduate to 1.25% back after six on-time payments and 1.5% back after you make 12 on-time payments with your credit card
- Receive a credit limit from $300 to $10,000 (based on your credit profile)
- No annual fee
Best for: The Petal® 2 “Cash Back, No Fees” Visa® Credit Card (card issued by WebBank, Member FDIC) was created to help people with limited credit build their credit history over time. With that in mind, this card is ideal for anyone who wants to build credit and earn rewards at the same time without any fees.
Citi Simplicity Card
Late fee benefit: This card doesn’t charge any late fees at all, and it doesn’t have a penalty APR.
Key features:
- Secure 0% intro APR on purchases for 12 months and on balance transfers for 21 months, followed by an APR of 16.99% – 26.99% Variable
- 5% balance transfer fee (minimum $5) applies when you transfer a balance
- No annual fee
- Choose your payment due date
Best for: The Citi Simplicity® Card doesn’t offer any rewards — it’s geared toward people who need to consolidate debt instead. You’ll get one of the longest 0% intro APR offers on the market today, which can help you consolidate debt and pay it off faster.
Review: Citi Simplicity credit card review
Apple Card
Late fee benefit: The Apple Card doesn’t charge any penalty fees or late fees.
Key features:
- Earn 3% back on all purchases made with Apple and on purchases with select merchants made through Apple Pay, 2% back on all purchases made through Apple Pay, and 1% back on all other purchases
- No annual fee
- Special financing offers for Apple products, including iPhones
Best for: This card is a winner for anyone who purchases a lot of Apple products, or makes many of their purchases using Apple Pay.
Review: How the new Apple Card compares to top rewards credit cards from Amex, Capital One, and more