Consumers can expect an unpleasing trend to start popping up soon on their statements: Annual credit card fees. This is one way big banks will fight back against reform. We’ve provided a roundup of current best non-fee credit cards and correlating rates for consumers of all credit types.

Best non-fee card for excellent credit: Blue Cash from America Express. Aside of no annual fee, you’ll also get 0% APR for up to six months on purchases. You can also earn up to %% cash back on those purchases. Regular APR turns to 17.24%, however. Bankaholic.com is a great place to check for these current rates.

Best non-fee card for fair credit: Capital One Classic Platinum. This card is designed for someone with a credit score as low as 620 and with revolving debt. You’ll get zero APR for a set period and zero fraud liability. At BillShrink.com, you can punch in your exact credit and debt situation and get a card suggestion that works for you.

Best non-fee card for bad credit: Platinum Zero Secured Visa. What’s great about this card specifically designed for those with credit scores below 599 is that the use of the word “zero” refers to the fixed 0% APR (even if you’re late on payments) and the fact no one is turned down. Remember with a secured card you are basically your own bank and need to provide a lump sum in your account to start with, which the bank will use should you fail to pay your bill. BadCreditOffers.com is designed specifically for consumers with a bad credit score.