What are the best no annual fee credit cards for 2023? Credit cards are a requirement for most individuals these days. Ultimately, when you're penniless, a credit card can save the day and allow you to buy what you need. What's more, when it comes to credit cards, only those who choose to pay an annual fee do so.

Well, there are other solutions that don't include annual fees and offer customers other excellent benefits. What's more, it's clear that certain cards are superior to others. So how do you choose the right card?

We've prepared this page to help you make your decision. Examine the top 6 no annual fee credit cards now and find your best alternatives for 2023.

Read also | Learn about the Novucard Card with R$ 30,000 Limit - See How to Apply

6 no-annuity credit cards to have in 2023

PagBank Credit Card

In addition to having no annual fee, the PagBank credit card does not check your name with SPC and Serasa before acceptance. This option includes the Visa Flag, and you get it;

• Make acquisitions abroad;
• Shop online and offline;
• Turn funds invested in CDBs and funds held in your PagBank account into card limits;
• Pay approx;
• Make withdrawals in Brazil and internationally;
• Overlimit granted up to 10% for exceeding the card limit (requires prior approval).

This card is exceptional because it is an international card, simple to obtain and has no annual fee. In other words, it's a card that can be used at any time and practically anywhere. The Visa flag is one of the most recognised worldwide.

In addition, the ability to convert reserved funds and investments into a credit card limit allows you to substantially increase your available limit. All this makes it one of the best no-annuity credit cards available.

BMG Credit

The Credit Card BMG is one of the largest no-annuity credit cards that also offers cash back on purchases. So it's a worthy alternative for your new card in 2023.

However, they're not the main reasons why it's second on our list. As well as having a marvellous card, there is no minimum income requirement, and approval is one of the simplest. So all you need to do to apply is create a BMG bank account.

Once your card has been granted the credit function, you will have access to the following benefits:

• 0.20% discount on credit;
• 0.10% cashback on debit;
• Exclusive discounts are offered in the BMG online shop.

Bradesco Neo Visa Platinum

For invoices over R$ 50, there is no annual fee for the Bradesco Neo Visa Platinum. It also offers a number of advantages to its customers. That's why it's also considered one of the top no-annuity credit cards for 2023.

Ultimately, this card offers Visa Flag privileges and exclusive Banco Bradesco advantages. Analysing:

• 50% discount at Cinemark and Bradesco Theatre;
• Up to 30% discount on free Descomplica courses;
• Up to 20% discount on Casas Bahia merchandise;
• Up to 10% discount on Decolar products, including bookings, tickets and packages;
• Up to 15% discount at Banco Bradesco and Netshoes partner restaurants;
• Up to R$ 100 off Fast Shop items, among others.

You also get worldwide coverage and a second card. What's more, the app allows you to personalise your card and manage your spending.

Digio Card

As well as being one of the best credit cards with no annual fee, the Digio Card has no interest on balance transfers. So it couldn't be excluded from our list. As it is undoubtedly one of the best cards for 2023.

A candidate for yours must be at least 18 years old and have a clean record. However, once granted, the advantages outweigh the administrative obstacles.

Ultimately, the Digio card provides access to:

• Free parking permits and fast passes at tolls;
• Shop at partner shops and receive discounts;
• Digio Cash Back, which returns part of your expenses;
• Apply for personal credit with payment in instalments of up to 24x on your card bill.

Itaú Uniclass Card

The Itaú Uniclass Card is one of the largest no-annuity credit cards for those looking for a very high credit limit. This option has a minimum income requirement of R$ 5,000. On the other hand, this card has a maximum limit of R$ 50,000.

So if you fulfil this income profile, this could be the credit card alternative you've been looking for. In addition to the exclusive limit, Itaú Uniclass users also have the following advantages:

• Tag Ita allows you to bypass tolls and get parking spaces without waiting in queues or paying monthly fees.
• Additional cards: the user can receive up to three additional cards free of charge;
• Digital wallets: rely on the proprietary digital wallets Apple Pay, Samsung Pay and Google Pay;
• Approximate payment.

The approval rate for this card is very high. As long as you meet the bank's income requirements. In addition, Itaú Uniclass includes the Visa Signature flag.

Sofisa Direct

O Sofisa Direct is also one of the best credit cards with no annual fee for 2023. In addition, the card is highly likely to be accepted and allows online purchases. It even has a "disposable card" option that protects your information during online purchases.

It also has the Mastercard flag and debit functionality, as it is linked to the Sofisa Direto bank digital account.

With Sofisa Direct, you earn Mastercard Surprise points with every transaction. You can then exchange your points for rewards such as discounts, new items and daily perks.

Conclusion

You no longer have to pay an annual fee for your credit card. After all, there are some great options with no annual fee that offer their customers special advantages.

And what do you believe? Which of the best no annual fee cards of 2023 did you like the most? Have your say!