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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Best Credit Cards with No Annual Fee from Our Partners
No annual fee credit cards come with lots of additional perks like low interest rates, rewards and up to 5% back on all your purchases. With so many offers out there, how can you choose the one that fits your needs? Simply think about how you plan to use your card and the answer will come.
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- Excellent / Good Credit
- Fair Credit
- Bad Credit
- Limited / No Credit
our choice
Up to
5%
Cash Back
Max. Rewards:
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically.
Redemption Options:
Redeem cash back for any amount
Match Rewards
at the End of Your First Year
Bonus Offer:
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% Intro APR (15 months)
Intro APR on Balance Transfer:
0% Intro APR (15 months)
Regular APR:
17.99% - 26.99% Variable APR
Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
our choice
Welcome Offer
Bonus Offer:
LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening - that’s equal to $300 in travel
5X
Miles on Hotels
and Rental Cars
and Rental Cars
Max. Rewards:
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Rewards on Everyday Purchases:
Earn unlimited 1.25X miles on every purchase, every day
Rewards Expiration:
Miles won't expire for the life of the account and there's no limit to how many you can earn
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
our choice
Match Rewards
at the End of Your First Year
Bonus Offer:
UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles into 70,000 Miles.
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% Intro APR (15 months)
Intro APR on Balance Transfer:
0% Intro APR (15 months)
Regular APR:
17.99% - 26.99% Variable APR
Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
None the first time you pay late. After that, up to $41.
our choice
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% (15 months on Purchases)
Intro APR on Balance Transfer:
0% (15 months on Balance Transfers)
Regular APR:
18.99% - 28.99% (Variable)
Balance Transfer Fee:
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
30,000
Bonus
ThankYou® Points
ThankYou® Points
Bonus Offer:
For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Max. Rewards:
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com.
Redemption Options:
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
3%
Late Payment Fee:
See Terms
our choice
$200
Cash Back Bonus
Bonus Offer:
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn Up to
5%
Cash Back
Max. Rewards:
Earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Rewards on Everyday Purchases:
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
0%
Intro APR on Balance Transfers
Intro APR on Balance Transfer:
0% (18 months)
Regular APR:
17.99% - 27.99% (Variable)
Balance Transfer Fee:
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
our choice
$200
Cash Rewards Bonus
Bonus Offer:
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Rewards:
Earn unlimited 2% cash rewards on purchases.
Unlimited
2%
Cash Rewards
Max. Rewards:
Earn unlimited 2% cash rewards on purchases.
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% intro APR on purchases for 12 months from account opening
Intro APR on Balance Transfer:
0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR:
18.99%, 23.99%, or 28.99% Variable APR
our choice
Up to
2%
Cash Back
Max. Rewards:
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically.
Redemption Options:
Redeem cash back for any amount
Match Rewards
at the End of Your First Year
Bonus Offer:
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% Intro APR (6 months)
Intro APR on Balance Transfer:
0% Intro APR (18 months)
Regular APR:
17.99% - 26.99% Variable APR
Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
our choice
0%
Intro APR on Purchases
Intro APR:
0% intro APR on purchases for 21 months from account opening
Regular APR:
16.99%, 23.49%, or 28.74% Variable APR
Annual Fee:
$0
0%
Intro APR on Balance Transfers
Intro APR on Balance Transfer:
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR:
16.99%, 23.49%, or 28.74% Variable APR
Balance Transfer Fee:
5%, min: $5
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
3%
Late Payment Fee:
Review terms
our choice
Earn
20,000
Bonus Points
Bonus Offer:
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases:
Earn 1X points on other purchases.
Max. Rewards:
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans.
Rewards expiration:
Rewards don't expire as long as the account is open
0%
Intro APR on Purchases
Intro APR:
0% intro APR on purchases for 12 months from account opening
Regular APR:
18.99%, 23.99%, or 28.99% Variable APR
Annual Fee:
$0
our choice
Earn Up to
3%
Cash Back
Max. Rewards:
Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly.
Rewards on Everyday Purchases:
Earn 1% Cash Back on other purchases.
$200
Cash Back
Bonus Offer:
Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
0%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases:
0% intro APR on purchases for the first 15 billing cycles after account opening. After that, 19.24% - 29.24% variable APR based on your credit worthiness
Intro APR on Balance Transfer:
0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 19.24%, 24.24% or 29.24% variable APR based on your credit worthiness
Regular APR:
19.24%, 24.24% or 29.24% variable APR based on your creditworthiness
Balance Transfer Fee:
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee:
None
our choice
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
N/A
Credit Line:
See terms
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Help build your credit through responsible use of a card like this
our choice
Unlimited
2%
Cash Back
Rewards on Everyday Purchases:
2% Unlimited Cash Back on Every Purchase†, Everywhere Mastercard is accepted
$0
Annual Fee
Annual Fee:
$0^
Regular APR:
29.99%^
Balance Transfer Fee:
See website for Details*
Late Payment Fee:
Up to $39
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$0^
Late Payment Fee:
Up to $39
our choice
Up to
5%
Cash Back
Max. Rewards:
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically.
Redemption Options:
Redeem cash back for any amount
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
None the first time you pay late. After that, up to $41.
0%
Intro APR on Purchases
Intro APR:
0% Intro APR (6 months)
Regular APR:
16.99% - 25.99% Variable APR
Annual Fee:
$0
our choice
Earn Up to
8%
Cash Back
Max. Rewards:
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
Rewards on everyday purchases:
Earn 1% cash back on all other purchases
Bonus Offer:
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
$50
Cash Back Bonus
Bonus Offer:
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
our choice
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
None the first time you pay late. After that, up to $41.
Up to
2%
Cash Back
Max. Rewards:
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically.
Redemption Options:
Redeem cash back for any amount
0%
Intro APR on Purchases
Intro APR:
0% Intro APR (6 months)
Regular APR:
16.99% - 25.99% Variable APR
Annual Fee:
$0
our choice
$0
Annual Fee
Annual Fee:
$0^
Regular APR:
35.99%^
Balance Transfer Fee:
N/A
Late Payment Fee:
Up to $39
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$0^
Late Payment Fee:
Up to $39
Up to
$3,000
Credit Limit
Security Deposit:
No
Credit Line:
$500 - $3,000^
Credit Line Increase:
See terms
our choice
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
Unlimited
1.5%
Cash Back
Rewards on Everyday Purchases:
Earn unlimited 1.5% cash back on every purchase, every day
$50
Cash Back Bonus
Bonus Offer:
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
our choice
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.49% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$49, $99 or $200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Building your credit? Using the Capital One Platinum Secured card responsibly could help
our choice
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
0%
Late Payment Fee:
$0
No Credit Check
Card Network:
Visa®
Card Type:
Secured Credit Card
Regular APR:
No interest
Annual Fee:
$0
Earn
1.5%
Cash Back
Max. Rewards:
Earn cash back (1.5% cash back399 on rotating categories, e.g., gas and groceries) with Chime+* status.
our choice
$0
Annual Fee
Annual Fee:
$0^
Regular APR:
35.99%^
Balance Transfer Fee:
N/A
Late Payment Fee:
Up to $39
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$0^
Late Payment Fee:
Up to $39
Up to
$3,000
Credit Limit
Security Deposit:
No
Credit Line:
$500 - $3,000^
Credit Line Increase:
See terms
our choice
$0
Annual Fee
Annual Fee:
$0
Regular APR:
26.99% Variable APR
Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Late Payment Fee:
None the first time you pay late. After that, up to $41.
Up to
2%
Cash Back
Max. Rewards:
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically
Redemption Options:
Redeem cash back for any amount.µ
Credit Line from
$200
Security Deposit:
$200
Credit Line:
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
Credit Line Increase:
No
our choice
Build Your Credit
Build Credit:
Yes
Credit Bureau Reporting:
Yes
Credit Check:
No
No Credit Check
Card Network:
Visa®
Card Type:
Secured
Regular APR:
N/A
Annual Fee:
$0
$0
Annual Fee
Annual Fee:
$0
Regular APR:
N/A
Balance Transfer Fee:
N/A
Late Payment Fee:
3% of any Total Due balances outstanding and past due for two (2) or more Billing Cycles
our choice
Up to
5%
Cash Back
Max. Rewards:
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically.
Redemption Options:
Redeem cash back for any amount
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
None the first time you pay late. After that, up to $41.
0%
Intro APR on Purchases
Intro APR:
0% Intro APR (6 months)
Regular APR:
16.99% - 25.99% Variable APR
Annual Fee:
$0
our choice
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
N/A
Credit Line:
See terms
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Help build your credit through responsible use of a card like this
our choice
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
0%
Late Payment Fee:
$0
No Credit Check
Card Network:
Visa®
Card Type:
Secured Credit Card
Regular APR:
No interest
Annual Fee:
$0
Earn
1.5%
Cash Back
Max. Rewards:
Earn cash back (1.5% cash back399 on rotating categories, e.g., gas and groceries) with Chime+* status.
our choice
$0
Annual Fee
Annual Fee:
$0^
Regular APR:
35.99%^
Balance Transfer Fee:
N/A
Late Payment Fee:
Up to $39
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$0^
Late Payment Fee:
Up to $39
Up to
$3,000
Credit Limit
Security Deposit:
No
Credit Line:
$500 - $3,000^
Credit Line Increase:
See terms
our choice
$0
Annual Fee
Annual Fee:
$0
Regular APR:
29.49% (Variable)
Balance Transfer Fee:
Balance Transfer Fee applies to balances transferred at a promotional rate
Late Payment Fee:
Up to $40
Credit Line
Increase
Potential
Security Deposit:
$49, $99 or $200
Credit Line:
You'll get an initial credit line of $200
Credit Line Increase:
Be automatically considered for a higher credit line in as little as 6 months
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Building your credit? Using the Capital One Platinum Secured card responsibly could help
our choice
No
Annual Fee & Foreign Transaction Fee
Annual Fee:
$0
Foreign Transaction Fee:
None
Late Payment Fee:
None the first time you pay late. After that, up to $41.
Up to
2%
Cash Back
Max. Rewards:
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically.
Redemption Options:
Redeem cash back for any amount
0%
Intro APR on Purchases
Intro APR:
0% Intro APR (6 months)
Regular APR:
16.99% - 25.99% Variable APR
Annual Fee:
$0
our choice
Unlimited
2%
Cash Back
Rewards on Everyday Purchases:
2% Unlimited Cash Back on Every Purchase†, Everywhere Mastercard is accepted
$0
Annual Fee
Annual Fee:
$0^
Regular APR:
29.99%^
Balance Transfer Fee:
See website for Details*
Late Payment Fee:
Up to $39
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$0^
Late Payment Fee:
Up to $39
our choice
$0
Annual Fee
Annual Fee:
$0
Regular APR:
26.99% Variable APR
Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Late Payment Fee:
None the first time you pay late. After that, up to $41.
Up to
2%
Cash Back
Max. Rewards:
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter
Rewards on everyday purchases:
1% unlimited cash back on all other purchases - automatically
Redemption Options:
Redeem cash back for any amount.µ
Credit Line from
$200
Security Deposit:
$200
Credit Line:
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
Credit Line Increase:
No
use your card FOR FREE WITH
NO ANNUAL FEE FEATURE
A no annual fee credit card doesn't carry any membership fees and costs nothing to use, assuming you pay your balance in full by the due date each month. These cards are very popular, not least because they are a great credit-building tool. A no-annual-fee credit card account in good standing will have a positive effect on your credit report every month, as long as you make payments on time and keep the account in good standing.
Being approved for a new credit card shouldn't put you in debt as soon as the account is opened. Card that charges an annual fee could cause you to owe money before you've even made a purchase.
If your card carries no annual fee, you'll never have to worry about leaving enough funds available to accommodate the fee each year, which could put you in danger of going over your credit limit.
Combine a no-interest offer with a no-annual-fee card, and it'll cost you nothing to use your credit card (don't forget to check that it also comes with no application processing fee). Add in cash back rewards, and you'll be getting free money at zero cost! Search out cards that not only give 1% cash back on all your purchases, but also offer a special cash bonus program that gives you up to 5% cash back on select purchases and up to 20% cash back on your yearly cash back.
Here's what else you may want to consider when choosing a no annual fee credit card:
Fees: Annual fee is not the only fee associated with a credit card. The cards may have a bunch of other fees, like foreign transaction fees, balance transfer fees, or late payment fees, which sometimes are rather critical.
Rewards: The best no annual fee card just must have a rewards program. Do not expect high rewards rates though. No annual fee credit cards tend to have lower rewards rates. The average rewards rate is 1.5% on no annual fee credit cards, so look for cards that meet this threshold.
Sign-up bonus: While this may not be of a primary importance to you, it is still good having a nice start-up bonus. Give your preference to the cards that have small spending requirements to increase your chances to qualify for that bonus.
Other perks: If you cannot decide between two no annual fee credit cards, it's high time you considered other perks the cards have to offer, if at all. For example, a benefit like a free credit monitoring service, or price protection may help you to make up your mind.
questions ABOUT
CREDIT CARDS
What is the meaning of no annual fee credit cards and how do they work?
These no annual fee credit cards are very popular among most cardholders because it carries no annual fee. It is just like any other regular credit card minus the annual fee. The benefits that you derive from this card...
Read moreAre no annual fee credit cards better than credit cards with fees?
A credit card has become one commodity that is virtually indispensable in the modern world. Everybody with a job and some money are using these things for a wide variety of reasons. Credit cards are a big convenience...
Read moreWhat to look for in no annual fee credit cards?
You must be looking for ways to cut down expenses. One way is of course to spend less but well that is not always something everyone manages to do. The next thing to do is to look for cheaper alternatives of things you...
Read more
comments ABOUT
NO FEES CREDIT CARDS🜂
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