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Best Credit Cards with
no annual fee FROM
OUR PARTNERS

No annual fee credit cards come with lots of additional perks like low interest rates, rewards and up to 5% 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.

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No Annual Fee Offer for May 2020

MAXIMIZE YOUR SAVINGS

Rating 2.8

  • No Annual Fee! Build up your credit with responsible card use.
  • Get Approved Fast – Just Click Below to Start the Process!
  • Receive Your Card More Quickly with New Expedited Processing Option

Annual Fee: No

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Spring 2020: No Annual Fee Credit Cards

When it comes to best no fee credit cards, we first of all look for credit cards without annual fees, which is quite logical as annual fees can be rather high on some credit card offers. However, having a no annual fee credit card is not enough nowadays. Today many credit cards offer rewards or low interest rates along with the no annual fee benefit. So, look around and find your best no annual fee credit card.

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Apply for Ginny's Credit - Credit-Land.com

Rating 3.75

APPLY

Any Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
5.75% - 25.99%
Balance Transfer Fee
See terms
Annual Fee
$0
  • Buy Now, Pay Later.
  • Budget frendly with low monthly payments starting at just $10 a month.
  • Get quick approval response and no annual fee.
  • Freeing: Save your credit cards for other things.

our choice

Annual Fee: $0

Instant Response

No Credit Check

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
25.99%
Balance Transfer Fee
N/A
Annual Fee
No
  • No Annual Fee! Build up your credit with responsible card use.
  • Get Approved Fast – Just Click Below to Start the Process!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program – though not yet available in NY, IA, AR, or WI

our choice

Annual Fee: No

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for Simmons Visa® - Credit-Land.com

Rating 2.3

APPLY

Excellent Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
9.25% (variable)
Balance Transfer Fee
NONE
Annual Fee
NONE
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 9.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.

our choice

Annual Fee: NONE

Balance Transfer Fee: NONE

Reporting to the Major Consumer Reporting Agencies

No Credit Check

our choice

Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfer
N/A
Regular APR
12.90% - 22.90% Variable APR
Balance Transfer Fee
3% of each balance transfer (minimum $5)
Annual Fee
$0
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% for 12 months

Ongoing APR on Purchases:
12.90% - 22.90% Variable APR

Annual Fee: $0

Rewards Bonus

Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening

Rewards

Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

Earn Points on Every Purchase! It's simple: $1 = 1 Point

Apply for Montgomery Ward Credit - Credit-Land.com

Rating 3.75

APPLY

Any Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
5.75% - 25.99%
Balance Transfer Fee
N/A
Annual Fee
$0
  • Get quick approval—up to $100 credit with payments of only $10 a month
  • Build buying power and earn higher limits with on-time payments
  • Enjoy safe and stress-free account management and online bill pay
  • Shop 1000s of quality brands now and pay late

our choice

Annual Fee: $0

Instant Response

No Credit Check

Simmons Visa®

Excellent Credit
Apply for Simmons Visa® - Credit-Land.com

Rating 2.3

APPLY

GREAT NO ANNUAL FEE CARD
TO GET IN May 2020

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 9.25% variable standard purchase APR and platinum benefits.
See more details

questionsABOUT
CREDIT CARDS

What is the meaning of no annual fee credit cards and how do they work?

These no annual fee credit cards are very popular among most cardholders because it carries no annual fee. It is just like any other regular credit card minus the annual fee. The benefits that you derive from this card...

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Are no annual fee credit cards better than credit cards with fees?

A credit card has become one commodity that is virtually indispensable in the modern world. Everybody with a job and some money are using these things for a wide variety of reasons. Credit cards are a big convenience...

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What to look for in no annual fee credit cards?

You must be looking for ways to cut down expenses. One way is of course to spend less but well that is not always something everyone manages to do. The next thing to do is to look for cheaper alternatives of things you...

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See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

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. Card that charges 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 (don't forget to check that it also comes with no application processing fee). Add in cash back rewards, and you'll be getting free money at zero cost! 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.

Here's what else you may want to consider when choosing a no annual fee credit card:

Fees: Annual fee is not the only fee associated with a credit card. The cards may have a bunch of other fees, like foreign transaction fees, balance transfer fees, or late payment fees, which sometimes are rather critical.

Rewards: The best no annual fee card just must have a rewards program. Do not expect high rewards rates though. No annual fee credit cards tend to have lower rewards rates. The average rewards rate is 1.5% on no annual fee credit cards, so look for cards that meet this threshold.

Sign-up bonus: While this may not be of a primary importance to you, it is still good having a nice start-up bonus. Give your preference to the cards that have small spending requirements to increase your chances to qualify for that bonus.

Other perks: If you cannot decide between two no annual fee credit cards, it's high time you considered other perks the cards have to offer, if at all. For example, a benefit like a free credit monitoring service, or price protection may help you to make up your mind.

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commentsABOUT
NO FEES CREDIT CARDS

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