ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
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.
Show more
- Excellent / Good Credit
- Fair Credit
- Bad Credit
- Limited / No Credit
our choice
Intro APR on Purchases
0% (15 months)
Intro APR on Balance Transfer
0% (15 months)
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual Fee
$0
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
our choice
our choice
Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
13.49% - 24.49% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% to 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
our choice
our choice
Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
13.49% - 24.49% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- New Intro APR: 0% intro APR for 15 months on purchases. Then 13.49% - 24.49% Standard Variable Purchase APR will apply.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "Apply Now" to see terms and conditions.
our choice
our choice
Intro APR on Purchases
0% intro APR for up to 21 months from account opening
Intro APR on Balance Transfer
0% intro APR for up to 21 months from account opening on qualifying balance transfers
Regular APR
15.24% - 27.24% variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%; min: $5
Annual Fee
$0
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 15.24% to 27.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
- $0 Annual Fee
- Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.
- Select “Apply Now” to learn more about the product features, terms and conditions
- Rates & Fees
our choice
our choice
Intro APR on Purchases
0% intro APR for 15 months from account opening
Intro APR on Balance Transfer
0% intro APR for 15 months from account opening on qualifying balance transfers
Regular APR
17.24%, 22.24%, or 27.24% variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%; min: $5
Annual Fee
$0
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
- Rates & Fees
our choice
our choice
Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
0% Intro APR (18 months)
Regular APR
13.49% - 24.49% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
our choice
our choice
Intro APR on Purchases
0% intro APR for 12 months from account opening
Intro APR on Balance Transfer
N/A
Regular APR
17.24%, 22.24%, or 27.24% variable APR
Balance Transfer Fee
up to 5%; min: $5
Annual Fee
$0
- Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
- $0 annual fee
- 0% intro APR for 12 months from account opening on purchases. 17.24%, 22.24%, or 27.24% variable APR thereafter
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
- Select “Apply Now” to learn more about the product features, terms and conditions.
- Rates & Fees
our choice
our choice
Intro APR on Purchases
0% intro on purchases (for 15 months)
Intro APR on Balance Transfer
0% intro on balance transfers (for 15 months)
Regular APR
16.49% - 26.49% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
16.49% to 17.99% Variable
Balance Transfer Fee
3% fee applies to each transfer
Annual Fee
$0
- Get Rewarded on Everyday Purchases
- 5x Points on gas paid at the pump and EV charging stations
- 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
- 1x Points on all other purchases
- 15,000 Bonus Points when you spend $1,500 in first 90 days
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 16.49% to 17.99%
- Refer to PenFed.org for Terms/Conditions
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
17.24% to 25.24% variable APR
Balance Transfer Fee
up to 5%; min: $5
Annual Fee
$0
- Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)* with qualifying purchases.
Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. Plus, get another reward night worth $125 when you spend $4,000 in total purchases within the first 6 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference. - Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
- Choose from over 500,000 properties in 200+ countries around the world.
- $0 Annual Fee.
- Enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi, and more at selected properties for as long as your card is open.
- Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
- No foreign currency conversion fee.
- Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when your passenger fare is booked with your card.
- Rates & Fees
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
our choice
our choice
Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
14.49% - 23.49% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- No credit score required to apply.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49% applies.
- Click "Apply Now" to see terms and conditions.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
16.49% - 26.49% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
- Limited Time Offer: Earn $100 when you spend $100 in the first three months
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- You can help build your credit with responsible use of a card like this
- Be automatically considered for a higher credit line in as little as 6 months
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
our choice
our choice
Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
14.49% - 23.49% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- No credit score required to apply.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49% applies.
- Click "Apply Now" to see terms and conditions.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
16.49% - 26.49% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1.5% cash back on every purchase, every day
- Limited Time Offer: Earn $100 when you spend $100 in the first three months
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- You can help build your credit with responsible use of a card like this
- Be automatically considered for a higher credit line in as little as 6 months
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- 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
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Enjoy no annual fee and no foreign transaction fees
- You can help build your credit with responsible use of a card like this
- Set up Autopay for your account and your payments will be made automatically every month
- Pick the monthly due date that works best for you
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stolen
our choice