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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? Simply think about how you plan to use your card and the answer will come.

Excellent / Good Credit
Fair Credit
Bad Credit
Limited / No Credit
Capital One®:
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You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases until April 2017
N/A
12.24% - 22.24% (Variable)
$0
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 April 2017; 12.24%-22.24% 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
  • Show more
Card Features:
Intro APR
on Bal.Tr.
N/A
Bal.Tr. Fee
Annual Fee$0
Regular APR12.24% - 22.24% (Variable)
Intro APR
on Purch.
0% intro on purchases until April 2017
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
  • 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

Excellent Credit
Discover® Card:
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You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (12 months)
10.99% (12 months)
11.24% – 23.24% Variable*
$0
CARD DETAILS:
  • We'll match all the Miles you've earned at the end of your first year. So if you've earned 20,000 Miles, we'll match it- so you get 40,000 Miles - automatically. Only for new cardmembers.*
  • No annual fee* & unlimited 1.5x Miles on every dollar you spend on purchases. 0% intro APR* on purchases for 12 months—then a variable purchase APR applies, currently 11.24% – 23.24%.
  • Discover pays you back for your in-flight Wi-Fi fees—up to $30 a year—with an automatic statement credit.*
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S. based customer service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • Free overnight shipping of replacement cards to any U.S. street address at your request.* And you’re never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
  • Show more
Card Features:
Intro APR
on Bal.Tr.
10.99% (12 months)
Bal.Tr. Fee
Annual Fee$0
Regular APR11.24% – 23.24% Variable*
Intro APR
on Purch.
0% (12 months)
Our Expert Opinion
  • We'll match all the Miles you've earned at the end of your first year. So if you've earned 20,000 Miles, we'll match it- so you get 40,000 Miles - automatically. Only for new cardmembers.*
  • No annual fee* & unlimited 1.5x Miles on every dollar you spend on purchases. 0% intro APR* on purchases for 12 months—then a variable purchase APR applies, currently 11.24% – 23.24%.
  • Discover pays you back for your in-flight Wi-Fi fees—up to $30 a year—with an automatic statement credit.*

Barclaycard:
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You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (12 months)
0% (12 months)
15.24%, 19.24% or 23.24%* Variable
$0
CARD DETAILS:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% intro APR for the first 12 months on purchases. Plus, you'll get 0% introductory APR for the first 12 months on balance transfers made within 45 days of account opening. After that a variable APR will apply, currently 15.24%, 19.24% or 23.24% depending on your creditworthiness
  • No annual fee
  • Show more
Card Features:
Intro APR
on Bal.Tr.
0% (12 months)
Bal.Tr. Fee
Annual Fee$0
Regular APR15.24%, 19.24% or 23.24%* Variable
Intro APR
on Purch.
0% (12 months)
Our Expert Opinion
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption

Capital One®:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases until January 2017
0% intro on balance transfers until January 2017
13.24% - 23.24% (Variable)
$0
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
  • 0% intro APR on purchases until January 2017; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR until January 2017; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Show more
Card Features:
Intro APR
on Bal.Tr.
0% intro on balance transfers until January 2017
Bal.Tr. Fee
Annual Fee$0
Regular APR13.24% - 23.24% (Variable)
Intro APR
on Purch.
0% intro on purchases until January 2017
Our Expert Opinion
  • 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

Citibank:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (21 months)*
0% (21 months)*
12.24% - 22.24%* (Variable)
$0*
CARD DETAILS:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 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*
  • Free access to FICO® Scores*
  • Show more
Card Features:
Intro APR
on Bal.Tr.
0% (21 months)*
Bal.Tr. Fee
Annual Fee$0*
Regular APR12.24% - 22.24%* (Variable)
Intro APR
on Purch.
0% (21 months)*
Our Expert Opinion
  • 0% intro APR on purchases and balance transfers.
  • Get protected with Citi® Identity Theft Solutions.
  • Free access to FICO® Scores.

  • Balance transfer fee is 3% of each balance transfer.
Excellent Credit
Discover® Card:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (12 months)
0% (12 months)
11.24% – 23.24% Variable*
$0
CARD DETAILS:
  • Discover matches 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, up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Freeze It℠ on/off switch prevents new purchases, cash advances & balance transfers in seconds.*
  • Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.*
  • No annual fee.* No late fee on first late payment. No APR change for paying late.*
  • You're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
  • Show more
Card Features:
Intro APR
on Bal.Tr.
0% (12 months)
Bal.Tr. Fee
Annual Fee$0
Regular APR11.24% – 23.24% Variable*
Intro APR
on Purch.
0% (12 months)
Our Expert Opinion
  • Discover matches 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, up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Freeze It℠ on/off switch prevents new purchases, cash advances & balance transfers in seconds.*

Citibank:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (21 months)*
0% (21 months)*
13.24% - 23.24% (variable)
$0*
CARD DETAILS:
  • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% 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 same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative".
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
  • Show more
Card Features:
Intro APR
on Bal.Tr.
0% (21 months)*
Bal.Tr. Fee
Annual Fee$0*
Regular APR13.24% - 23.24% (variable)
Intro APR
on Purch.
0% (21 months)*
Our Expert Opinion
  • Zero intro APR on purchases and balance transfers.
  • No late fees or penalty rate.
  • No annual fee.

  • No rewards program.
Discover® Card:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (6 months)
0% (18 months)
11.24% – 23.24% Variable*
$0
CARD DETAILS:
  • Discover matches 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, up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Freeze It℠ on/off switch prevents new purchases, cash advances & balance transfers in seconds.*
  • Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.*
  • No annual fee.* No late fee on first late payment. No APR change for paying late.*
  • You're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
  • Show more
Card Features:
Intro APR
on Bal.Tr.
0% (18 months)
Bal.Tr. Fee
Annual Fee$0
Regular APR11.24% – 23.24% Variable*
Intro APR
on Purch.
0% (6 months)
Our Expert Opinion
  • Discover matches 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, up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Freeze It℠ on/off switch prevents new purchases, cash advances & balance transfers in seconds.*

Citibank:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
15.49% - 19.49%* (Variable)
None
CARD DETAILS:
  • Earn 40,000 Hilton HHonors™ Bonus Points after making $1,000 in purchases within the first 4 months of account opening.
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
  • No annual fee.*
  • Show more
Card Features:
Intro APR
on Bal.Tr.
N/A
Bal.Tr. Fee
Annual FeeNone
Regular APR15.49% - 19.49%* (Variable)
Intro APR
on Purch.
N/A
Our Expert Opinion
  • Earn HHonors Bonus Points on card purchases.
  • Benefits of HHonors Silver status.
  • Visa Signature® benefits.
  • No annual fee.

Excellent Credit
Discover® Card:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (12 months)
0% (12 months)
11.24% – 23.24% Variable*
$0
CARD DETAILS:
  • Choose your favorite team & show your pride! Plus get 10% off at Shop.NHL.com and NHL.TV™.*
  • Discover matches 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, home improvement stores 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 11.24% – 23.24%. A 3% fee applies to each transferred balance.
  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S. based customer service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won’t raise your APR.*
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information. ©NHL
  • Show more
Card Features:
Intro APR
on Bal.Tr.
0% (12 months)
Bal.Tr. Fee
Annual Fee$0
Regular APR11.24% – 23.24% Variable*
Intro APR
on Purch.
0% (12 months)
Our Expert Opinion
  • Choose your favorite team & show your pride! Plus get 10% off at Shop.NHL.com and NHL.TV™.*
  • Discover matches 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, home improvement stores and more -up to the quarterly maximum when you sign up* 1% cash back on all other purchases.

Citibank:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (15 months)*
0% (15 months)*
13.24% - 23.24%* (Variable)
$0*
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
  • Show more
Card Features:
Intro APR
on Bal.Tr.
0% (15 months)*
Bal.Tr. Fee
Annual Fee$0*
Regular APR13.24% - 23.24%* (Variable)
Intro APR
on Purch.
0% (15 months)*
Our Expert Opinion
  • Global acceptance with Chip Technology.
  • Earn ThankYou points on card purchases.
  • Points do not expire.
  • 0% intro APR on purchases and balance transfers.

  • Balance transfer fee applies.
Average, Fair, Limited Credit
Capital One®:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
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
  • Show more
Card Features:
Intro APR
on Bal.Tr.
N/A
Bal.Tr. Fee
Annual Fee$0
Regular APR24.99% (Variable)
Intro APR
on Purch.
N/A
Our Expert Opinion
  • 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

WebBank:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
25.15%
$0
CARD DETAILS:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 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 NC466. Expires: 6/30/2016.
  • *SEE Fingerhut.com Site for Terms & Conditions.
  • Show more
Card Features:
Intro APR
on Bal.Tr.
n/a
Bal.Tr. Fee
Annual Fee$0
Regular APR25.15%
Intro APR
on Purch.
n/a
Our Expert Opinion
  • No Annual Fees.
  • Low monthly payments.
  • No Over Limit Fees.

  • This Offer is aimed to use exclusively at Fingerhut.com.
Barclaycard:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
25.24%* Variable
$0
CARD DETAILS:
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Show more
Card Features:
Intro APR
on Bal.Tr.
n/a
Bal.Tr. Fee
Annual Fee$0
Regular APR25.24%* Variable
Intro APR
on Purch.
n/a
Our Expert Opinion
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing

Average, Fair, Limited Credit
Capital One®:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
20.24% (Variable)
$0
CARD DETAILS:
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • 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 or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Show more
Card Features:
Intro APR
on Bal.Tr.
N/A
Bal.Tr. Fee
Annual Fee$0
Regular APR20.24% (Variable)
Intro APR
on Purch.
N/A
Our Expert Opinion
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • 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

Capital One®:
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You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • 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
  • Show more
Card Features:
Intro APR
on Bal.Tr.
N/A
Bal.Tr. Fee
Annual Fee$0
Regular APR24.99% (Variable)
Intro APR
on Purch.
N/A
Our Expert Opinion
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Your minimum security deposit gets you a $200 credit line

WebBank:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
25.15%
$0
CARD DETAILS:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 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 NC466. Expires: 6/30/2016.
  • *SEE Fingerhut.com Site for Terms & Conditions.
  • Show more
Card Features:
Intro APR
on Bal.Tr.
n/a
Bal.Tr. Fee
Annual Fee$0
Regular APR25.15%
Intro APR
on Purch.
n/a
Our Expert Opinion
  • No Annual Fees.
  • Low monthly payments.
  • No Over Limit Fees.

  • This Offer is aimed to use exclusively at Fingerhut.com.
Average, Fair, Limited Credit
Capital One®:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
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
  • Show more
Card Features:
Intro APR
on Bal.Tr.
N/A
Bal.Tr. Fee
Annual Fee$0
Regular APR24.99% (Variable)
Intro APR
on Purch.
N/A
Our Expert Opinion
  • 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

WebBank:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
25.15%
$0
CARD DETAILS:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 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 NC466. Expires: 6/30/2016.
  • *SEE Fingerhut.com Site for Terms & Conditions.
  • Show more
Card Features:
Intro APR
on Bal.Tr.
n/a
Bal.Tr. Fee
Annual Fee$0
Regular APR25.15%
Intro APR
on Purch.
n/a
Our Expert Opinion
  • No Annual Fees.
  • Low monthly payments.
  • No Over Limit Fees.

  • This Offer is aimed to use exclusively at Fingerhut.com.
Average, Fair, Limited Credit
Capital One®:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
20.24% (Variable)
$0
CARD DETAILS:
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • 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 or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Show more
Card Features:
Intro APR
on Bal.Tr.
N/A
Bal.Tr. Fee
Annual Fee$0
Regular APR20.24% (Variable)
Intro APR
on Purch.
N/A
Our Expert Opinion
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • 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

Capital One®:
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.

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.

Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.99% (Variable)
$0
CARD DETAILS:
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • 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
  • Show more
Card Features:
Intro APR
on Bal.Tr.
N/A
Bal.Tr. Fee
Annual Fee$0
Regular APR24.99% (Variable)
Intro APR
on Purch.
N/A
Our Expert Opinion
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Your minimum security deposit gets you a $200 credit line

* Click apply to read the full Terms and Conditions.

Not Sure Which Card to Choose? Ask Our Experts!
Leo Zhu
Leo Zhu, CreditLand Consultant on Credit Card Questions

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!

See also Credit Cards for:

Excellent Credit
750-850
Credit Score
Good Credit
700-749
Credit Score
Fair Credit
640-699
Credit Score
Bad Credit
350-639
Credit Score

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