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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.

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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 / 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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 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:
  • 5% Earnings on your first $5,000 in purchases every year.
  • Unlimited 2% Earnings on every purchase after that.
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees.
  • Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then an 11.9% - 19.9% variable APR on purchases will apply.
Our Expert Opinion
  • 5% Earnings on your first $5,000 in purchases every year.
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees.

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 (10)
You've selected 10 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 21 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%
(21 months)26
0%
(21 months)26
11.99% -
21.99%26 (Variable)
$0
Card Details:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 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
  • 0% intro APR on balance transfers.
  • Get protected with Citi® Identity Theft Solutions.
  • 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 (10)
You've selected 10 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 July 2016)n/a11.9% - 21.9% (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 per dollar 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 July 2016; 11.9% - 21.9% variable APR after that.
  • Travel when you want with 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
  • 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.
  • Fly any airline, stay at any hotel, anytime.
  • No foreign transaction fees.

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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% on Balance Transfers and Purchases for 21 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%
(21 months)26
0%
(21 months)26
12.99% -
22.99% (Variable)
$0
Card Details:
  • 0% Intro APR on Balance Transfers and Purchases for 21 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
  • Zero intro APR on balance transfers.
  • No late fees or penalty rate.
  • No annual fee.

  • No rewards program.
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 (10)
You've selected 10 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 12 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% (12 months)0% (12 months)10.99% - 22.99% Variable±$0
Card Details:
  • Double all the cash back you´ve earned at the end of your first year automatically - only for new cardmembers.±
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.± 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.±
  • Free FICO® Credit Score on statements, online & by mobile app.± And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • ±See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
Our Expert Opinion
  • 0% intro APR on purchases & balance transfers.
  • No overlimit fee.
  • Free FICO® Credit Score.
  • No foreign transaction fee.

  • Balance transfer fee 3%.
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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: One-time $100 cash 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 April 2016)0% (until April 2016)12.9% - 22.9% (Variable)See terms
Card Details:
  • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn′t expire and there′s no limit to how much you can earn.
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016.
  • 0% intro APR on purchases until April 2016; 12.9% - 22.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until April 2016, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
  • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere.
Our Expert Opinion
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months.
  • 0% intro APR on purchases until April 2016; 12.9% - 22.9% variable APR after that.
  • Pay no annual fee or foreign transaction fees.

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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 2% Cash Back on up to $1,000 in combined purchases at Restaurants and Gas Stations every quarter - no sign-ups needed
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)0% (12 months)10.99% - 22.99% Variable±$0
Card Details:
  • Double all the cash back you´ve earned at the end of your first year automatically - only for new cardmembers.±
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.± 1% cash back on all your other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.±
  • Free FICO® Credit Score on statements, online & by mobile app.± And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • ±See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
Our Expert Opinion
  • 2% cash back at gas stations and restaurants.
  • 12-month 0% Intro APR on purchases & balance transfers.
  • No foreign transaction fee.
  • No annual fee.

  • 3% 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 (10)
You've selected 10 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
  • 0% Intro APR for 15 months.
  • Earn cash back as you pay for your purchases.
  • No annual fee.

  • Balance transfer fee applies.
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 (10)
You've selected 10 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:
  • Apply now, buy Today*.
  • Low APR, No Hidden Fees, No annual fees.
  • Take $25 off your $100 purchase from Gettington - Use Coupon Code GTN334 **Offer Expires 8/31/2015.
  • Shop Brand Name Products.
  • Two payment options available*.
Our Expert Opinion
  • Low APR.
  • No annual fees.
  • Instant credit response.

  • For shopping at Gettington only.
See card details

Featured credit cards for Fair credit

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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Pay 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/a24.9% (Variable)See terms
Card Details:
  • Pay no annual fee.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account, even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Help strengthen your credit for the future with responsible card use.
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Our Expert Opinion
  • Pay no annual fee.
  • Fraud coverage if your card is lost or stolen.
  • Get access to your account 24 hours a day, 7 days a week.

See card details
Fair Credit

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

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 2X cash back rewards on purchases for gas, groceries and utilities.
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.
  • 2X cash back rewards on purchases for gas, groceries and utilities.
  • 1X cash back rewards on all other purchases.
  • Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards starting at 1,000 points for $10.
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad.
  • 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 card members.
Our Expert Opinion
  • 2X cash back rewards on purchases for gas, groceries and utilities.
  • No annual fee.

  • No intro APRs.
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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 5% Cash Back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you 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)10.99% (6 months)12.99% - 21.99% Variable±$0
Card Details:
  • Double all the cash back you´ve earned at the end of your first year automatically - only for new cardmembers.±
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you sign up.± 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.±
  • Free FICO® Credit Score on statements, online & by mobile app.± 100% U.S.- based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 0% intro APR± on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • ±See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
Our Expert Opinion
  • No APR increase for late payments.
  • Earn cash back on all purchases.
  • 0% intro APR on purchases for 6 months.
  • No annual fee.

  • No 0% intro APR on balance transfers.
See card details

Featured credit cards for Limited/No credit

Limited / Bad Credit

Limited / Bad Credit
You can apply if: you have had your own credit card or other loan for less than 3 years; you have defaulted on a loan more than once or have been declined for a credit card in the last 3 months.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Your minimum security deposit gets you a $200 Credit Line.
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/a24.9% (Variable)See terms
Card Details:
  • No annual fee, with all the credit building benefits.
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus.
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
  • Your minimum security deposit gets you a $200 credit line.
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required.
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app.
  • It′s a credit card accepted at millions of locations worldwide.
Our Expert Opinion
  • No annual fee, with all the credit building benefits.
  • Your minimum security deposit gets you a $200 credit line.
  • It′s a credit card accepted at millions of locations worldwide.

See card details
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 (10)
You've selected 10 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*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 275,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Get $50 off $200 - USE Promo Code NC801. Exp. 8/3/2015.
  • *SEE Fingerhut.com Site for Terms & Conditions.
Our Expert Opinion
  • No Annual Fees.
  • Low monthly payments.
  • No Over Limit Fees.

  • This Offer is aimed to use exclusively at Fingerhut.com.
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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for 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% (Variable)See terms
Card Details:
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for 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 due date that works best for you.
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Our Expert Opinion
  • 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.

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26 See the Citi card terms and conditions online.

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 up to 5% cash back on select purchases and up to 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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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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