Credit Cards with No Annual Fee
about No Annual Fee
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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's best for you? Think about how you plan to use your card - it all depends what you're looking for.
What you should know:
Shoppers, Travelers, and VIPs:
Look for cards with 0% introductory interest rates on purchases, cards which earn you points toward free flights or fuel, or have exclusive benefits like 24-hour concierge service.
Show Me the 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.
Our Expert Advice:
Banks sometimes offer sign-on bonuses of cash, goods, frequent-flyer miles, or gift cards. Look around for the best deal!
Best credit cards for Excellent/Good credit
Excellent Credit
Required FICO score for this card: 750 to 850
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!
| Annual Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Activation Fee |
|---|---|---|---|---|
| $0 | 0% (14 months) | 0% (14 months) | 10.99% - 22.99%± Variable | $0 |
- The new Discover it card is out to change the way people think about credit cards.
- Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won´t increase your APR for paying late.±
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.±
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you´ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR± on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. ±Click apply for Terms & Conditions.
- Longest 0% intro period on purchases from Discover.
- Does not charge overlimit fee.
- The safety is guaranteed.
- Charges a balance transfer fee.
Excellent Credit
Required FICO score for this card: 750 to 850
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!
| Annual Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Activation Fee |
|---|---|---|---|---|
| $0 | 0% (9 billing cycles) | 0% (9 billing cycles) | 13.99% - 23.99% (Variable) | $0 |
- Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers.
- Earn free groceries faster at Kroger, King Soopers, Dillons Smith´s, Fry´s and QFC; 3 points per $1 spent on Kroger family of brand products.
- 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers).
- 1 point per $1 spent anywhere Visa Cards are accepted.
- Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter.
- 0% intro APR15 for first 9 billing cycles on purchases and balance transfers. After that, a variable APR currently 13.99% - 23.99%.
- $0 annual fee.15
- Three-in-one card: Rewards Card, Shopper´s Card and Visa Card.
- Earn rewards at the Kroger Family of Stores.
- Visa card benefits included.
- Should have excellent credit history to qualify.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
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.
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!
| Annual Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Activation Fee |
|---|---|---|---|---|
| $026 | 0% (18 months)26 | 0% (18 months)26 | 11.99% - 21.99%26 (Variable) | $0 |
- 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® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
- Let our 24/7 concierge service help book your hotel rooms, flights and more.
- Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
- No annual fee.26
- VIP access to presale tickets for live entertainment.
- Buy now. Save later with Citi® Price Rewind.
- Get protected with Citi IdentityMonitor.
- No rewards on everyday purchases.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
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.
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!
| Annual Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Activation Fee |
|---|---|---|---|---|
| $0 | 0% (until September 2014) | 0% (until September 2014) | 10.9% - 18.9% (V) | See terms |
- 0% intro APR until September 2014 on balance transfers.
- 0% intro APR until September 2014 on purchases.
- No annual fee.
- $0 Fraud Liability if your card is lost or stolen.
- 24-hour travel assistance gives you a replacement card and cash advance.
- 24-hour roadside assistance.
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.
- No Foreign Transaction Fee.
- Covers against online fraud.
- Low balance transfer fee.
- High penalty APR.
- Must have good or excellent credit history.
Excellent Credit
Required FICO score for this card: 750 to 850
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!
| Annual Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Activation Fee |
|---|---|---|---|---|
| $0 | 0% (12 billing cycles) | 0% (12 billing cycles) | 13.74% - 22.74% (Variable) | $0 |
- 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness.
- One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit.
- Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases.
- No cap on points earned and points never expire.
- Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits.
- 20% off every purchase at NFLShop.com - that´s $20 off every $100 you spend.
- Generous rewards program for NFL fans.
- Available Visa signature® benefits.
- The card can get you on the field.
- The card has a balance transfer fee.
Best credit cards for Fair credit
Average / 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.
| Annual Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Activation Fee |
|---|---|---|---|---|
| $0 intro for first year; $19 after that | n/a | n/a | 24.9% (V) | See terms |
- $0 intro annual fee for the first year; $19 after that.
- Image Card - personalize your card with an image of your choice.
- $0 Fraud Liability if your card is lost or stolen.
- Monitor your spending with text message alerts.
- Annual fee is waived for the first year.
- People with average credit can be approved.
- Chat online with customer service during application process.
- No 0% promotional periods.
Fair / Average Credit
Required FICO score for this card: 620 to 659
You can apply if: you’ve been late on your credit card bills in the last year, your credit history is short, or you declared a bankruptcy in the past.
| Annual Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Activation Fee |
|---|---|---|---|---|
| $0 | 0% (6 billing cycles) | 0% (6 billing cycles) | 24.99% (Variable) | $0 |
- Earn 2,500 Bonus Points after your first purchase.
- 0% Introductory APR for 6 months on purchases and balance transfers.
- No annual fee.
- Earn 2 points per $1 on gas, grocery, and utility purchases.
- Earn 1 points per $1 everywhere else.
- Use the points you earn like cash to pay for almost any purchases you´ve made.
- No blackout date, 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.
- Extended rewards program.
- 0% introductory rate on purchases and balance transfers.
- No annual fee.
- Use points like cash to make purchases.
Best credit cards for Limited/No credit
Average / 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.
| Annual Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Activation Fee |
|---|---|---|---|---|
| $0 | n/a | n/a | 24.9% (V) | See terms |
- A card designed to help those new to the U.S. establish credit and earn cash back.
- Build credit with responsible use -- plus automatic reporting to the three major credit bureaus.
- Get 2% cash back on travel purchases.
- Earn 1% cash back on all other purchases.
- No foreign transaction fees.
- No annual fee.
- Get 2% cash back on travel purchases.
- No foreign transaction fees.
- High purchase APR.
Average / 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.
| Annual Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Activation Fee |
|---|---|---|---|---|
| $0 | n/a | n/a | 19.8% (V) | See terms |
- Designed to help students build good credit with responsible use.
- Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit.
- Customizable text and e-mail alerts to help keep you on track.
- Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time.
- No annual fee.
- $0 Fraud Liability if your card is lost or stolen.
- Tools that allow you to monitor your credit score for FREE.
- Get cash back for making payments on time.
- Great card for students to build credit.
- High standard APR.
Bad Credit
Required FICO score for this card: 350 to 619
You can apply if: you regularly miss or skip payments and max out your credit balance; you have more than one foreclosure, repossession, or a bankruptcy declared.
| Annual Fee | Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Activation Fee |
|---|---|---|---|---|
| $0 | n/a | n/a | 24.90% | See website |
- Affordable Monthly Payments.69
- No Annual Fee.68
- No Over Limit Fee.68
- Get Response in 60 seconds.
- No down payments, no layaway and no surprises.
- We often say "YES!" when others say "No".
- No annual fee.
- Quick approval.
- Good for people with less than perfect credit.
- High APR.
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!
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!
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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No Annual Fee Cards Video
No Annual Fee Credit Cards: Find the Right Offer for You
July 18, 2012
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± Click apply for Terms & Conditions.
15 See Card Terms and 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.