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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

Best No Annual Fee Credit Cards For You
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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.

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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 (1)
You've selected 1 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% (V)
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 (1)
You've selected 1 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% 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 5,000 cardmembers rated 4.8 out of 5 stars± and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power.±
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up±. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.±
  • 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 - anytime, day and 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 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 (1)
You've selected 1 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% on Balance Transfers and Purchases for 15 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
$0260%
(15 months)26
0%
(15 months)26
12.99% -
22.99%26 (Variable)
$0
Card Details:
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99%, based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The only card that earns you cash back TWICE on every purchase with:
  • 1% cash back when you buy.
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time.26
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories.
  • No Annual Fee.
Our Expert Opinion
  • Enjoy 0% Intro APR for 15 months.
  • Earn additional cash back as you pay for your purchases.
  • Pay NO annual fee.

  • Balance transfer fee applies.
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 (1)
You've selected 1 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get 0% intro APR on all purchases until February 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
February
2016)
0%
(until
February
2016)
10.9% -
18.9% (V)
See terms
Card Details:
  • Get 0% intro APR on all purchases until February 2016; 10.9% - 18.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until February 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 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 (1)
You've selected 1 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% 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 5,000 cardmembers rated 4.8 out of 5 stars± and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power.±
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up±. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.±
  • 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 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 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 (1)
You've selected 1 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% on Balance Transfers and Purchases 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
$0260%
(18 months)26
0%
(18 months)26
12.99% -
22.99% (Variable)
$0
Card Details:
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER.
  • No penalty rate - EVER.
  • No annual fee - EVER.
  • Save time when you call with fast, personal help, 24 hours a day.
Our Expert Opinion
  • Good Promotional Period for balance transfer.
  • No late fees or penalty rate.

  • No rewards program.
See card details
Excellent Credit

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 (1)
You've selected 1 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Balance Transfer Fees - start saving immediately!
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/a8.0%* (Variable)$0
Card Details:
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases.
  • No Annual Fees.
  • Choose your card benefits and features.
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance.
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online.
  • Learn more about personal finance from Barclaycard and other members.
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Our Expert Opinion
  • Low APRs and no annual fee credit card.
  • You can vote on benefits or features you want.

  • Community-built credit card.
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 (1)
You've selected 1 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get 0% Intro APR on Balance Transfers and Purchases 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
$0260%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (Variable)
$0
Card Details:
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee.26
Our Expert Opinion
  • VIP access to presale tickets for live entertainment.
  • Get protected with Citi IdentityMonitor.
  • Earn Citi Easy Deals Points for purchases.

  • Balance transfer fee is 3% of each balance transfer.
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 (1)
You've selected 1 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
August
2015)
0%
(until
August
2015)
12.9% -
22.9% (V)
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 all purchases until August 2015; 12.9% - 22.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until August 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 / 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 (1)
You've selected 1 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
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)
n/a11.9% -
19.9% (V)
See terms
Card Details:
  • Earn unlimited 1.25 miles on every purchase, every day.
  • Pay no annual fee or foreign transaction fees.
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months.
  • Fly any airline, stay at any hotel, anytime.
  • Enjoy a low intro APR on purchases until November 2015; 11.9% - 19.9% variable APR after that.
  • Travel when you want - no blackout dates.
  • 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

Featured credit cards for Fair credit

Fair / Average Credit

Fair / Average Credit
This credit offer is for people with Fair / Average credit history.

Compare (1)
You've selected 1 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/a24.99%* (Variable)$0
Card Details:
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you´ve made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Our Expert Opinion
  • Extended rewards program.
  • No annual fee.
  • Use points like cash to make purchases.

See card details
Fair Credit

Fair Credit
You can apply if: your credit history is short. You’ve had your own credit card, loan or have been an authorized user on someone’s credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.

Compare (1)
You've selected 1 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 5% Cash Back in categories that change throughout the year up to the quarterly maximum with free and easy sign-up
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)
See terms12.99% -
21.99% Variable±
$0
Card Details:
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won´t increase your APR.±
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up±. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.±
  • Talk to a real person any time with 100% U.S.- based service.
  • Looks out for you-since 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.±
  • 0% intro APR± on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Our Expert Opinion
  • No APR increase for late payments.
  • Has cash back on all purchases.
  • Choose the way you want to pay.

  • Not suitable for cash advance.
See card details
Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (1)
You've selected 1 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: For every month you pay on time, you receive a 25% bonus - that's a total of 1.25% cash back
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/a19.8% (V)See terms
Card Details:
  • Earn 1% cash back on every purchase.
  • For every month you pay on time, you receive a 25% bonus — that′s a total of 1.25% cash back.
  • There′s no limit to the amount of cash back you can earn, and rewards don′t expire.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Pay no annual fee or foreign transaction fees.
  • Fraud coverage if your card is lost or stolen.
  • Pick the monthly payment due date that works best for you.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Our Expert Opinion
  • Get cash back for making payments on time.
  • Great card for students to build credit.

  • High standard APR.
See card details

Featured credit cards for Limited/No credit

Bad Credit

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Compare (1)
You've selected 1 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/a24.90%$0
Card Details:
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
Our Expert Opinion
  • No Annual Fees.
  • No Application Fees.
  • No Over Limit Fees.
  • Quick approval.
  • Credit is available as soon as you´re approved.

  • This Offer is aimed to use exclusively at Fingerhut.com.
See card details

± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.

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!

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

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Balance Transfer Calculator

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