No Late Fee Credit Cards

Editor’s Rating — — The new Discover it card is out to change the way people think about credit cards. “It” is:

• The new Discover it card is out to change the way people think about credit cards.
• Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
• Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback ConcerigeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
• Flexible…Choose your own due date and pay up to midnight ET online or by phone.
• Human…talk to a real person any time with 100% U.S.-based service.
• Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
• 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently
  10.99% – 22.99%. *Click apply for Terms & Conditions.

Editor’s Rating: — Editor’s Pick, Best card for balance transfers or if you occasionally carry a balance.

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• No late fees – EVER
• No penalty rate – EVER
• No annual fee – EVER
• Save time when you call with fast, personal help, 24 hours a day.

Editor’s Rating — — The new Discover it card is out to change the way people think about credit cards. “It” is:

• The new Discover it card is out to change the way people think about credit cards.
• Fair-No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
• Generous-5% cash back at Home Improvement Stores now through June on up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback Concerige^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
• Flexible-Choose your own due date and pay up to midnight ET online or by phone.
• Human-talk to a real person any time with 100% U.S.-based service.
• 0% Intro APR on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.*
• 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. *Click apply for Terms & Conditions.