With a 0 annual fee credit card you can make purchases and payments without having to spend on maintenance fees. Furthermore, several of them have benefits!

But where to find this type of card and what options are available? That's what you'll discover here today. Keep reading and discover some alternatives!

A card with no annual fees is one that does not charge maintenance fees. In other words, you do not need to pay a monthly fee to the bank to have access to the card.

In this way, it is enough to pay the invoices correctly, the only financial obligations arising from the use of the card.

It depends. After all, if there is a delay in paying the invoice – even for a day – the consumer will need to pay the bank some additional fees.

These include the late payment fine, corresponding to the penalty for delay in paying the invoice. Another refers to late interest, which increases the value of the debt.

Furthermore, if the consumer pays the invoices in installments or pays them off only partially, the outstanding amount will also be subject to interest rates.

In general, banks justify charging card maintenance fees by offering benefits. For example, from points programs or partner discounts.

However, this does not mean that cards with no annual fee have no benefits. What happens is that they are more limited or rare than in the case of those that charge fees.

Therefore, it is up to the consumer to choose one or the other. On the one hand, a card with fewer benefits, but which is cheaper; on the other, with more day-to-day benefits, but which charges maintenance fees.

In the following items you will find several different credit card options that waive maintenance fees. Keep reading and see what they are!

The first 0 annual fee credit card option that we brought to you belongs to Millennium BCP. This bank has a number of different cards.

This one, which does not require maintenance fees, stands out for targeting young people. It was developed especially for those aged between 18 and 30.

Furthermore, it has some other differences. For example, it is made from biodegradable material, from cereals. It also generates donations to the Brigada do Mar Association.

This credit card that does not require an annual fee allows online contracting. However, to request it you must first open an account with BCP Millennium, as well as have a clean name.

Continuing with our list of 0 annual fee credit cards, we have BPI Gold. It is the only BPI bank card that waives maintenance fees.

This card has the International Mastercard brand. It offers amenities such as contactless payment and free repayment of amounts.

It also has an application for monitoring transactions in real time. It comes with some benefits related to the brand, such as partner discounts.

Bankinter also has its 0 annual fee credit card option. This is the Bankinter Power card, which comes with the Visa International brand.

Furthermore, this is an option that has contactless technology, as well as allowing flexible payment of the invoice. In fact, you can follow it through the MBWay app.

One of the points that differentiates this card is that even without charging an annual fee, it offers personal accident insurance to the consumer.

Like the other options already mentioned, this is a card that is only available to Bankinter customers. Therefore, to request it you need to open an account with the institution.

Novo Banco has a series of cards and one of them is the NB Verde, which waives the annual fee without leaving aside some very interesting benefits.

It offers free annual fees not just for one card, but for up to 2 of them. In addition, it also has two brands: Visa Internacional and Multibanco.

This way, it is possible to use it in Portugal and the rest of the world. The card has cash advance, MB Way service and contactless payment.

In addition, you also have access to the American Express Selects program. It gives you access to discounts in stores, hotels and adventures.

To have access to this card, as with the previous alternatives, the consumer is required to have an account with Novo Banco.

Finally, we close our list of credit cards that do not charge maintenance fees with the Wizink Rewards card, which stands out for having a points program, as well as access to promotions that give discounts to partners.

This card offers an initial limit of up to 6 thousand Euros. In addition, it has a Visa International flag, accepted worldwide.

With the Rewards points program, this 0 annual fee credit card allows your spending to be converted into points. They then give discounts to partners.

In addition, there is also the Wizink Extra program, which brings together exclusive promotions for customers every month. There you can get up to 50% discount on products.

Unlike previous cards, there is no need to open an account to access the 0 annual fee credit card. However, there is a minimum age requirement of 21 years old.

And finally, if you want to know how to request it, just click below to access a complete step-by-step guide. Don't miss this chance! After all, this is one of the best options available.