Credit Cards With No Annual Fee #no #annual #fee #credit #cards,0 #annual


Want a credit card without paying an annual fee? While offers with annual fees can sometimes have better benefits, you can find great offers with 0% APR introductory rates and rewards without one. Below are credit card offers with no annual fee. Compare offers to find the best one to fit your needs.

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19 Offers – Page 1 of 2

The Amex EveryDay Credit Card from American Express

  • Earn 10,000 Membership Rewards points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.99% to 23.99%, based on your creditworthiness and other factors.
  • Terms Apply.
  • See Rates Fees

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Citi Diamond Preferred Card 21 Month Intro Offer on BT and Purchases

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49% – 23.49% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year.*
  • $0 liability on unauthorized purchases and Citi Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO Scores*

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Online Brokers – Best Online Stock Brokerages, cheap stock trade fee.#Cheap #stock


Online Broker Partners

Interactive Brokers


Cheap stock trade fee

Cheap stock trade fee

Cheap stock trade fee

Cheap stock trade fee

Cheap stock trade fee

$4.95 online equity trades plus

$0.65 options per contract. See site

Stocks ETFs – $0.0005 –

$0.0035 per share. See site

$4.95 per stock trade – other

$4.95 trades for Active Traders

$5/Trade + $0.50 Per Contract

$.01 per share – $1 per trade

Cash Account: $1,000

Margin Account: $2,000

Retirement Account: $1,000

Equity deposit in cash or

stock of $10,000 (or USD

equivalent) or $5,000 for IRA

Account (or USD equivalent).

No Account Opening Minimum

$500 Cash account

$5,000 Minimum for

online equity trades good

See site for details.

Get up to $600 at E*TRADE

through December 2016

Broker Basics

Cheap stock trade fee

Deciding to take the plunge and start investing is a pretty big choice in itself, but picking a broker is just as important.

Cheap stock trade fee

The potential for fraud or poor service exists, so be careful when picking a broker.

Cheap stock trade fee

Keep track of your wins and losses to help you detect patterns over time.

Cheap stock trade fee

There are many tools available to help investors make informed decisions.

Cheap stock trade fee

Make sure you understand what you’ll be paying.

Cheap stock trade fee

If you’re a millennial and want to start investing, read on for more.

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More Brokers

Note: The information in the above chart is current as of August 1, 2016. To reach someone about having it updated, please contact Speke Wilson at speke.wilson [at]

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How to reduce credit card processing costs – QuickBooks Payments #accept #credit


Reducing Credit Card Processing Costs

Credit Card Processing Rates and Fees

Most of your costs will be transaction processing fees. Your rate per transaction is determined by your personal and business risk, percentage of card-absent sales, average dollar amount per sale, and total dollar amount of monthly sales. Lowering your transaction risk will also lower the rate you pay.

To get the best rate for the way you conduct business, be sure you understand the rates and qualifications around each type of sale.

Qualified rate is the percentage rate that’s charged whenever you accept and process a regular card using an approved processing solution. This is usually the lowest rate you can receive, and it’s often what you’ll be quoted when you inquire about rates.

Mid-qualified rate is the percentage rate that’s charged if you accept and process a card that doesn’t qualify for the lowest rate. This may happen when you manually key a card into a terminal instead of swiping it, or if a rewards or business card is being used.

Non-qualified rate is the percentage rate that’s charged whenever you accept and process a card that doesn’t qualify for either qualified or mid-qualified rates. This may happen when a card is manually keyed into a terminal versus being swiped, address verification isn’t performed, information is missing, or the authorization is not settled within the allotted time frame (usually 48 hours).

A rate increase, otherwise known as a downgrade, occurs when your transactions don’t meet the requirements for the lowest or qualified rate. To mitigate the number of downgrades you receive, make sure your transactions meet the qualification requirements to get you the lowest rate available for every transaction. Train your staff to do the same. Secondly, train closing and opening staff on how to audit transactions totals for errors and close out daily credit card transactions at the end of each day.

Batching means settling the charges to your terminal by sending the completed transactions for the day to the acquiring bank for payment. To make sure you get the best possible rate on all your daily transactions, you must batch out within 24 hours. If you don’t, you may raise the risk of dispute and cause your transactions to be downgraded. Remember that dial-up connections are prone to dropped lines and duplicate charges.

The interchange fee is a percentage of the transaction and helps to cover authorization costs, fraud, and credit losses. Most merchant service providers include the interchange fee in their bundled rate, which makes it more difficult to identify specific rates. Ask your provider if you can pay the interchange fee as it is incurred. This will prevent you from paying more than you need to and help you keep better track of your transaction costs.

A chargeback occurs when the cardholder disputes a transaction and it’s returned to the acquiring bank. If you don’t respond promptly to a chargeback inquiry, you may have to pay a timeliness fee or lose the entire sale. Be sure to ask your prospective provider how it deals with chargebacks and what costs are involved.

Not all cards are created equal

Certain credit cards cost more to process than others. It’s up to you to choose what works best for your business. To help offset the cost of processing more expensive card types, make sure your transactions meet as many of the qualifying requirements as possible.

Debit cards have grown in popularity. They often serve as both a check and a debit card. Deciding whether to process a charge as online or offline can make a difference in your rates. Please keep in mind the following:

1. Online transactions get processed through the credit card interchange and are charged at an online (non-qualified) rate.

2. Offline transactions get processed through the debit network and are charged a flat per-transaction fee.

3. Reduce your costs by processing low-cost items at the offline rate and larger items at the online rate.

Service without the cost

Be wary of merchant service providers that charge you a fee for contacting customer service. If your system isn’t working, you should be able to get help without paying extra for it. This is different from providers that charge for premium services. Other items for which you may be charged include printed account statements, account updates, monthly minimums or maximums, and service cancellations.

Other operational fees

Many operational fees are bundled or hidden within other charges. Most of these charges are a part of your transactions. They simply reflect the cost of doing business.

1. Communications fees cover the Internet costs of moving the transaction from the merchant to the processor. Dial-up transmission costs more to cover the processor’s maintenance of toll-free phone circuits and modems.

2. Address and voice authorization verifications reduce your fraud risk and can help you avoid a rate downgrade.

It’s all in the details

There’s no avoiding it: if you accept credit and debit cards, you’ll have to pay fees. Your best defense against hidden costs and unnecessary downgrades is to keep accurate records of your processing costs. Audit your records regularly to build your own benchmarks and evaluate the cost-effectiveness of your business rules and practices. Based on this data, you can continue to optimize the way you do business. Just remember that accepting credit cards should help—not hurt—your bottom line.

If you are ready to explore further, QuickBooks Payments offers payment solutions that allow businesses to process credit/debit card payments on mobile phones or tablets, as well as accept ACH bank transfers and checks. Visit this page to find out more details and pricing.

Top MBA Colleges in Chennai: Fees, Cutoff, Placements, Rank #top #mba #colleges


In Spotlight: MBA Colleges in Chennai

MBA Colleges in Chennai

Top MBA Colleges in Chennai, the Capital city of Tamilnadu and great industrial hub is most sought after MBA destination for MBA aspirants. Top 5 MBA colleges in Chennai Great Lakes Institute of Management; Loyola Institute of Business Administration (LIBA); Institute for Financial Management and Research (IFMR); Bharthidasan Institute of Management (BIM), Trichy; SRM University are a few examples of best MBA colleges in Chennai. These MBA colleges in Chennai are the most sought after destination to pursue the dream of doing MBA in Chennai.

MBA colleges in Chennai with low fee structure offer quality MBA education leading to high placements. If we compare top MBA colleges in Chennai rank wise, MBA in Chennai is considered a better option than many other cities in India. Known as the ‘great education centre’, Chennai offers MBA education at low fee. MBA colleges in Chennai offer great career opportunities to MBA graduates as Chennai houses the headquarters of many national and international companies.

Chennai is not only the capital city of Tamilnadu but the top B-schools in Chennai also make the city a key MBA destination. There are highly ranked MBA colleges in Chennai. If we consider MBA colleges in Chennai ranking positions, Great Lakes Institute of Management; Loyola Institute of Business Administration (LIBA); Institute for Financial Management and Research (IFMR); Bharthidasan Institute of Management (BIM), Trichy are among the top MBA colleges rank wise in India.

Although admission to top MBA colleges in Chennai through CAT is available, the admission to MBA colleges in Chennai through CMAT and through MAT is also available. Besides, if you have not appeared in any of the national level MBA entrance exam for admission to MBA colleges in Chennai, you can explore admission opportunity in MBA colleges in Chennai without entrance exam as few MBA colleges in Chennai conduct their own admission tests or offer admission through regional entrance exam TANCET. This article gives you a complete overview of Destination Chennai for MBA education and MBA colleges in Chennai.

MBA Placementin Chennai
As one of the biggest metropolitan cities of the country, the market of Chennai has grown bigger and bigger with foreign companies putting in their money in almost all sectors like Telecom, Real Estate, Information Technology, Health, Banking and Financial Services, Consulting and Retail. More or less, India has been standing as happily secure as it could because of great minds that come out of the best B-schools in the country.

A large number of automotive companies including Hyundai, Ford, BMW and Mitsubishi have or are in the process of setting up manufacturing plants in and around Chennai. Many software and software services companies have development centers in Chennai. MBA aspirants pursuing MBA in Chennai get the rare opportunity of high industry connect and eventually getting good campus placements.

Some of the other leading companies situated in Chennai are Infosys, TCS, Wipro. Tidel Park in Chennai is the largest IT Park in Asia. Telecom Electronics industries Nokia, Siemens, Motorola, Dell, Ericson and Alcatel-Lucent are top recruiters in Chennai. Medical tourism is another important part of Chennai’s economy with health care providers like Apollo Hospitals and Fortis Healthcare based in the city.

According to Forbes magazine, Chennai is one of the fastest growing cities in the world. The diverse economic base of Chennai is driven by the automobile, software services, hardware manufacturing, health care and financial services industries. According to the CII, Chennai is estimated to grow to a USD 100-billion economy, 2.5 times its present size, by the year 2025. No doubt that top MBA colleges in Chennai have become the most sought after MBA destination for the admission seekers.

List of top MBA Colleges in Chennai
MBA colleges listed below are some of the top B-schools in Chennai with all the information regarding their rank, MBA programmes offered, intake, acceptable exam for admission, fee structure, average placements and key USPs. Also you can find detailed information and contact details of your favorite MBA colleges in Chennai by clicking on the respective MBA College.

No Balance Transfer Fee Credit Cards #credit #card #offers #no #balance #transfer


No fee balance transfer credit cards

Consolidate your debts without paying interest and any extra fees with a no balance transfer fee credit card.

If you’re struggling with credit card debt, a balance transfer could help you achieve financial freedom sooner. By transferring existing debt onto a new 0% balance transfer card. you’ll enjoy an interest-free introductory period that will help you cut down costs and repay your debt faster. However, some cards do charge a one-off balance transfer fee when you move your debt. This guide explains what a balance transfer fee is and the cards you can use to avoid them.

Comparison of credit cards with no balance transfer fee

Rates last updated June 24th, 2017

What is a balance transfer fee?

Some credit cards charge a one-time fee of between 1-3% of the amount you are transferring. This fee is more common among 0% balance transfer credit cards because it lets card providers recover lost profits made from low or no interest rates. Depending on the size of your balance transfer and the percentage charged, this fee can make your balance transfer less worthwhile. For example, if you’re moving a debt of $10,000 and the balance transfer fee is 3% of the total, your balance transfer fee would be $300. You can find out whether a card charges a balance transfer fee on our review pages or the relevant product disclosure statement.

How do no balance transfer fee credit cards work?

No balance transfer fee credit cards promise no extra fees when you move your balance across to the new account. However, despite waiving the balance transfer fee, some card providers might make up for it by charging higher interest rates or annual fees.

How to compare balance transfer credit cards with no fee

The following factors are important when considering a no fee balance transfer credit card:

  • Balance transfer interest rate. When it comes to interest rates on your balance transfer, lower is obviously better and 0% is the ideal rate.
  • Length of promotional period. The length of the introductory period directly factors into your interest savings: the longer the period, the more money you’ll save.
  • Revert rate. This is the higher interest rate that you’ll pay once the promotional period ends. This is especially important if you have not paid your debt off in full by this time.
  • Balance transfer limit. The amount you can transfer is limited by the card’s limit and the card’s policy on balance transfers. Your transfer may be limited to a percentage of your credit card limit (such as up to 90% of your credit limit).
  • Eligible banks. There may be restrictions on which credit cards you can transfer your existing balance to. Usually you will not be allowed to balance transfer between accounts managed by the same card issuer. See the full list of who you can balance transfer to here .
  • Interest rates. Consider the other interest rates that may apply, such as the rates for a cash advance or purchase.
  • Fees. You should also factor in other possible fees including the card’s annual fee as well as cash advance, ATM and foreign transaction fees.

How to make the most of a no balance transfer fee credit card

Follow these tips to maximise the benefits of your new card:

  • Plan your repayments. Do this at the outset and stick to it. By being disciplined and forming a well-considered debt reduction plan, you will get out of debt more quickly. The aim is to repay your entire balance before the introductory period ends.
  • Pay more than the minimum amount. Many people make the mistake of reducing their monthly repayment amount and pocketing the extra cash they save during the 0% interest period. While you might find the extra cash flow helpful in the short term, this won’t help you reduce your credit card debt in the long run.
  • Be careful about making new purchases. If you’re planning to use your balance transfer credit card to make purchases, be aware that you may not be eligible for interest-free days on purchases while carrying a balance. The interest on your purchases could offset the interest savings from your balance transfer and grow your debt.
  • Avoid incurring other fees. Other fees can quickly accumulate to erode your interest savings. For instance, getting cash from an ATM could incur a cash advance fee, an ATM fee and a cash advance interest rate that begins accruing from the date of that transaction.

Even with 0% interest on your balance transfer and no balance transfer fees, there is still no perfect credit card out there. The best you can do is thoroughly research all available options to find the one that will best match your needs.

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Disclaimer – Hive Empire Pty Ltd (trading as, ABN: 18 118 785 121) provides factual information, general advice and services on financial products as a Corporate Authorised Representative (432664) of Advice Evolution Pty Ltd AFSL 342880. Please refer to our FSG – Financial Products. We also provide general advice on credit products under our own Credit Licence ACL 385509. Please refer to our Credit Guide for more information. We can also provide you with general advice and factual information on about a range of other products, services and providers. We are also a Corporate Authorised Representative of Countrywide Tolstrup Financial Services Group Pty Ltd. ABN 51 586 953 292 AFSL 244436 for the provision of general insurance products. Please refer to our FSG – General Insurance. We hope that the information and general advice we can provide will help you make a more informed decision. We are not owned by any Bank or Insurer and we are not a product issuer or a credit provider. Although we cover a wide range of products, providers and services we don’t cover every product, provider or service available in the market so there may be other options available to you. We also don’t recommend specific products, services or providers. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan. (c) 2017.

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Important information about this website is one of Australia’s leading comparison websites. We compare from a wide set of major banks, insurers and product issuers. has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don’t cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.

The identification of a group of products, as ‘Top’ or ‘Best’ is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.

Where our site links to particular products or displays ‘Go to site’ buttons, we may receive a commission, referral fee or payment.

We try to take an open and transparent approach and provide a broad based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider’s terms and conditions as well as their application and lending criteria.

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Aero Platinum Visa #aero #platinum, #aeroplan #miles, #low #fee #credit #card, #travel


CIBC Aero Platinum™ Visa* Card /span>”> CIBC Aero Platinum™ Visa* Card

1 If you apply and are approved for a new card you will receive a Welcome Bonus of 5,000 Aeroplan Miles when you make your first purchase at any time with your card. Purchases do not include cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Aeroplan Miles are awarded to you within 8 weeks after the qualifying purchase(s) are posted to your account. It may take up to several business days for purchases to be posted to your account. Your new credit card account must be open and in good standing at time the Aeroplan Miles are awarded. This offer is not transferable and cannot be combined with any other offer. This offer does not apply to transfers from another credit card account. This offer may be withdrawn or changed without prior notice at any time. CIBC may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity.

2 Insurance coverage(s) included with CIBC credit cards is underwritten by Royal Sun Alliance Insurance Company of Canada (RSA). Different cards may have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Auto Rental Collision and Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency’s CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain RSA coverage(s) are excess insurance (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.

3 Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. Cash means cash advances, balance transfers and CIBC Convenience Cheques.

4 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. Aeroplan partners, rules and regulations are subject to change without notice; please refer to Aeroplan Miles will be awarded only if your CIBC Aero Platinum credit card account is in good standing on the monthly statement date (otherwise Aeroplan Miles are cancelled).

5 Earn even more Aeroplan Miles at over 150 participating Aeroplan Partners, when you use your CIBC Aero Platinum Visa Card and present your Aeroplan Card. Aeroplan Miles do not expire as long as you stay active. Visit for the full Terms and conditions of the Aeroplan Program.

6 The primary cardholder may assign and change the Authorized User Spending Limits on the credit card account for any authorized user(s) by contacting CIBC. CIBC may make adjustments to the spending limits any time following a decrease in the credit limit or cash limit of the card. Cash refers to cash advances, CIBC Convenience Cheques and balance transfers. For full details visit Credit card add-ons .

7 Use of Aeroplan Miles to cover taxes, fees, charges and carrier surcharges associated with a flight reward booking ( taxes, fees and surcharges ) is in addition to the Aeroplan Miles required to redeem for an Aeroplan flight reward. Mileage levels required for the redemption of taxes, fees and surcharges may change without notice. Conditions, limitations and exclusions apply when using Aeroplan Miles to cover applicable taxes, fees and surcharges. For full details, visit Aeroplan Flight Rewards Terms and Conditions .

8 CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company. This product is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For more information call CIBC Travel Insurance at 1-800-281-9109.

9 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.

13 The rewards calculator tool is only for general illustration purposes; your actual results may differ. Aeroplan Miles, Aventura Points, cash back and Tim Cash are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques, Aeroplan Mile and Aventura Point redemptions (as applicable). For the Aerogold Visa Infinite Card, the Aventura Visa Infinite Card and the Aerogold Visa Card, 50% more Aeroplan Miles or Aventura Points on gas, grocery and drugstore card purchases is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at grocery, drugstore and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For the Aerogold Visa Infinite Privilege Card, 50% more Aeroplan Miles on gas, grocery and drugstore card purchases is only available on the first $100,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at grocery, drugstore and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For CIBC cash back credit cards, cash back is earned on a tiered basis and is dependent upon the net annual dollar amount spent on the card over the year to date. For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides found here .

This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

** In case of a discrepancy between the mileage redemption amount shown above and displayed on the mileage level displayed shall apply. Flight rewards are defined as Fixed Mileage Flight Rewards operated by Air Canada. All rewards shown above are subject to change and availability on

All information is valid at the time of publication and is subject to change without notice.

Top Online Colleges With No Application Fee – Top Ten Online Colleges


Home Top Online Colleges With No Application Fee

Top Online Colleges With No Application Fee

As the price tag associated with getting a college degree continues to skyrocket, it is more important than ever before for students to reduce costs by applying to online colleges with no application fee. Despite the fact that applications are usually the first step toward securing a brighter future for career advancement, some students have been held back from applying to their dream accredited online colleges simply because of the application costs. While federal student loans, Pell grants, and scholarships reduce the financial burdens of covering tuition rates at accredited online colleges, there are no sufficient sources of funding that will help cover the rising prices of filling out a college application.

Recommended Online Colleges

10 Great Online Colleges With No Application Fee

Since the college application process is stressful enough with worries about essay requirements or college application deadlines, many online colleges and universities are now enabling students to apply for admissions at no extra cost. Luckily, college application fees no longer have to stand in the way of receiving a top-notch education because several of the top online colleges are jumping on the bandwagon with free college applications too! Read on to learn more about the following top online colleges with no application fee under all or some circumstances.

Grand Canyon University

As a premier private institution with both online and on-campus courses in Phoenix, Arizona, Grand Canyon University holds both regional college and program-specific accreditations to award students with bachelor’s, master’s, and doctoral degrees. Through a values-based curriculum from the context of the university’s Christian heritage, GCU has seven distinct colleges with more than 100 majors and concentrations for students to choose from. Not only does this top online college have very affordable tuition with excellent financial assistance packages for traditional or non-traditional students, Grand Canyon University ensures that everyone has access to quality online education with free college applications.

Ashworth College

Fully accredited by the Distance Education and Training Council (DETC) with an A+ rating from the Better Business Bureau, Ashworth College is often recognized among the best online colleges for top-notch distance education. Based in Norcross, GA the online college is also authorized by the Georgia Nonpublic Postsecondary Education Commission to offer instruction in career/technical training, associate’s, bachelor’s, or master’s degree programs ranging from criminal justice and human resources to marketing and education. With the motto “Education on Your Terms,” Ashworth is committed to not wasting any time receiving quality online learning opportunities through a 100% free college application process.

Colorado Technical University

Hosting some of the best career-focused and industry-current degree programs among all online colleges and universities nationwide, Colorado Technical University is accredited by the Higher Learning Commission of the North Central Association for career advancement at the associate’s, bachelor’s, master’s, and doctoral level. Founded on a hands-on immersive model for learning, CTU has been ranked as the best online school for military veterans by Military Times magazine and among the top 10 degree-granting schools for minorities by Diverse Issues in Higher Education. Despite being one of the most prestigious top online colleges, CTU allows students to apply for admissions online with no added fee.

American Sentinel University

Nationally recognized by the U.S. News and World Report for having the 41st best online graduate nursing programs in the entire United States, American Sentinel University is among the best accredited online colleges by the Distance Education and Training Council. Providing each student with access to a success advisor for guidance through the online degree programs, ASU offers degree choices in information systems management, computer science, healthcare informatics, geographic information systems, business administration, and business intelligence. Along with offering a beneficial free online college application to all prospective students, the university accepts federal student aid, employer reimbursement, in-house financing, and military benefits to make higher education affordable.

Lasell College

With a physical campus located fewer than ten miles from Boston and an online campus accessible from anywhere in the world with an Internet connection, Lasell College stands out among the crowd as one of the best online colleges. Ranked as the 25th best college in the North by the U.S. News and World Report, Lasell is a private non-sectarian institution that is accredited by the New England Association of Schools and Colleges (NEASC). Also recognized among the “Great Schools at Great Prices” by Washington Monthly magazine, Lasell College offers qualified candidates the ability to easily apply for an admissions application fee waiver.

Norwich University

Known for being America’s first private military college to provide leadership training to both cadets and civilian students, Norwich University is based in rural Northfield, Vermont, with the virtual online campus hosting the majority of the graduate programs offered. Offering students a pathway to earn a graduate degree in diplomacy, architecture, history, business administration, civil engineering, criminal justice, public administration, education, nursing, organizational leadership, and more, NU completely covers the cost of the college application and accepts various financial aid programs from military benefits. If you re researching online schools without application fees, be sure not to ignore Norwich University.

Chadron State College

Accredited by the Higher Learning Commission North Central Association of Colleges and Schools, Chadron has a reputation for providing top quality education at an affordable price. To prove their dedication to providing every eager learner with the opportunity to earn a degree, they offer a fee-free online application process, excellent federal financial aid support, and a wide range of online programs ranging from Agriculture to Theatre.

Harrison College

Also accredited by the Higher Learning Commission, Harrison College makes your success a top priority from the moment you apply to the day you graduate. For online studies, there are four broad categories of courses you can enroll in: Health Sciences, Criminal Justice, Information Technology, and Business. With popular degree programs such as their BS in Human Resources and BS in Criminal Justice, you d have no trouble starting a great career in a field you love. The online application process is 100% free and, since they are regionally accredited, federal student aid may be available for those who qualify.

American Public University System

Regionally Accredited by the Higher Learning Commission, the American Public University System consists of two separate online universities: American Public University and American Military University. One of the leading online universities in the US, APUS offers a revolutionary online learning platform and top-of-the-line student support. There are no application fees but, like most universities, they do charge a fee to consider your transcripts if you are transferring from another university. In addition to military and government financial aid, they also accept employer tuition assistance and have made partnerships with major companies such as Walmart to offer tuition discounts.

Oakland University

Though not an online-only university, Oakland offers a handful of 100% online degree courses via distance education. Regionally Accredited and fully eligible for government tuition assistance, Oakland University offers a zero-fee online application and an opportunity to earn a Bachelor s or Masters Degree from the comfort of your own home. They offer 3 Bachelor s degree programs online at this time: a BS in Occupational Safety and Health, a BS in Nursing, and a Bachelor s in Integrative Studies.

Although the above list barely scratches the surface of all the online colleges and universities that are now offering free college applications, these accredited online colleges represent the best of the best for a smooth college application process without extra unnecessary costs. If you are considering earning an online degree or attending online classes to further your career development opportunities from the comfort of home, and you ve found our page by searching online colleges without application fee or something similar, it is highly recommended that you check out these top online colleges with no application fee to overcome the financial obstacles standing in the way of your academic dreams.

For more information, see our homepage: Top 10 Online Colleges .

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