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Best No Annual Fee Credit Cards For You

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Credit Card Applications » No Annual Fee Credit Cards

Credit Cards with No Annual Fee

No annual fee credit cards come with lots of additional perks like low interest rates, rewards and up to 5% cash back on all your purchases. With so many offers out there, how can you choose the one that fits your needs?

Shoppers, travelers and VIPs may want cards with 0% introductory interest rates on purchases, cards which earn points toward free flights or fuel, or exclusive benefits like 24-hour concierge service. Think about how you plan to use your card - it all depends what you're looking for.

Sort Cards by:RatingAnnual FeeIntro APR on Purch.Intro APR on Bal. Tr.Regular APRActivation Fee

Featured credit cards for Excellent credit

Excellent Credit

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (14)
You've selected 14 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get 5% Earnings on your first $5,000 in purchases every year
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Annual FeeIntro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRActivation Fee
$00%
(12 months)
n/a11.9% -
19.9% (Variable)
See terms
Card Details:
  • Every purchase earns rewards that can help you save toward a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • Get 5% Earnings on your first $5,000 in purchases every year.
  • Unlimited 2% Earnings on every purchase after that.
  • Your Earnings don′t expire and there′s no limit on how much you can earn or redeem.
  • For an even better value, use your Earnings on top of your best agreed-upon price and most current GM offers.
  • 0% intro APR on purchases for 12 months, then 11.9% - 19.9% variable APR on purchases.
  • No foreign transaction fees.
  • No annual fee.
Our Expert Opinion
  • Earn 5% annually on your first $5,000 in purchases.
  • Redeem earnings whenever you want - they never expire.
  • Redeem earnings toward your new General Motors vehicle.

  • No promotional period on balance transfer.
See card details
Excellent Credit

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (14)
You've selected 14 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% intro APR on Purchases and Balance Transfers for 14 months
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Annual FeeIntro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRActivation Fee
$00%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
Card Details:
  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars± and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1,500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • 100% U.S. - based customer service - day or night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Our Expert Opinion
  • Longest 0% intro period on purchases from Discover.
  • Does not charge overlimit fee.
  • The safety is guaranteed.

  • Charges a balance transfer fee.
See card details
Excellent / Good Credit

Excellent/Good Credit
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments every month.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (14)
You've selected 14 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: One-time $100 bonus after you spend $500 on purchases within the first 3 months
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Annual FeeIntro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRActivation Fee
$00%
(until
November
2015)
0%
(until
November
2015)
12.9% -
22.9% (Variable)
See terms
Card Details:
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on purchases until November 2015; 12.9% - 22.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere.
Our Expert Opinion
  • Spend $500 within 3 months and get a $100 bonus.
  • Earn as much cash back as you can, there are no caps.
  • Get your cash back at any time.

  • For people with excellent or good credit.
See card details
Excellent Credit

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (14)
You've selected 14 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% intro APR on Balance Transfers for 18 months
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Annual FeeIntro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRActivation Fee
$00%
(6 months)
0%
(18 months)
10.99% -
22.99% Variable±
$0
Card Details:
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars± and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1,500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • ±See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."
Our Expert Opinion
  • Longest 0% intro period on balance transfer from Discover.
  • Peace in mind if you have some problems with payments.
  • Offers cash back bonus program.

  • Requires excellent credit history.
See card details
Excellent / Good Credit

Excellent/Good Credit
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments every month.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (14)
You've selected 14 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get 0% intro APR on all purchases until May 2016; 10.9% - 18.9% variable APR after that
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Annual FeeIntro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRActivation Fee
$00%
(until
May
2016)
0%
(until
May
2016)
10.9% -
18.9% (Variable)
See terms
Card Details:
  • Get 0% intro APR on all purchases until May 2016; 10.9% - 18.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
  • Fraud coverage if your card is lost or stolen.
  • Enjoy extended warranty protection on eligible items purchased with your card.
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app.
  • Pick the monthly due date that works best for you.
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts.
Our Expert Opinion
  • No Foreign Transaction Fee.
  • Covers against online fraud.
  • Low balance transfer fee.

  • High penalty APR.
  • Must have good or excellent credit history.
See card details
Excellent / Good Credit

Excellent/Good Credit
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments every month.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (14)
You've selected 14 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Annual FeeIntro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRActivation Fee
$00%
(until
February
2016)
n/a11.9% -
19.9% (Variable)
See terms
Card Details:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.
  • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee.
  • Fly any airline, stay at any hotel, anytime.
  • Enjoy a low intro APR on purchases until February 2016; 11.9% - 19.9% variable APR after that.
  • Travel when you want - no blackout dates.
  • No foreign transaction fees.
  • Miles don′t expire and there′s no limit to how many you can earn.
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts.
Our Expert Opinion
  • Earn reward miles for every dollar you spend.
  • Low standard APR.
  • No balance transfer fees.

  • Must have good or excellent credit history to qualify.
See card details
Fair / Good Credit

Fair / Good Credit
You can apply if: your credit seen up and downs, but now it is stable and you manage it responsibly: you’re making on time payments every month and staying within limits now.

Compare (14)
You've selected 14 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Annual FeeIntro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRActivation Fee
$0n/an/a14.90% or 19.90%$0
Card Details:
  • Take $25 off your $100 purchase from Gettington - Use Coupon Code GTN334 **Offer Expires 3/31/2015.
  • Apply now, buy Today*.
  • Low APR, No Hidden Fees, No annual fees.
  • Shop Brand Name Products.
  • Two payment options available*.
Our Expert Opinion
  • Low APRs.
  • No annual fee or over-limit fees.
  • Instant credit response.

  • For shopping at Gettington only.
See card details

± Click apply for Terms & Conditions.

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. Cards that carry 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. Add in cash back rewards, and you'll be getting free money! 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 5% cash back on select purchases and 20% cash back on your yearly cash back.

Banks sometimes offer sign-on bonuses of cash, goods, frequent-flyer miles, or gift cards. Look around for the best deal!

Our Experts about No Annual Fee Credit Cards

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Try Our Credit Card Tools:

Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

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