Best No Annual Fee Credit Cards from our partners

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Credit Cards with No Annual Fee of November 2018

Top 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.

Discover it® Cash Back
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CARD DETAILS:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

APRs & FEES:

Intro APR on Purch.:

0% (14 months)

Intro APR on Bal. Tr.:

0% (14 months)

Ongoing APR:

13.99% - 24.99% Variable

Annual Fee:

$0

Foreign Transaction Fee:

None

Capital One® VentureOne® Rewards Credit Card
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CARD DETAILS:

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

APRs & FEES:

Intro APR on Purch.:

0% intro on purchases for 12 months

Intro APR on Bal. Tr.:

N/A

Ongoing APR:

13.74% - 23.74% (Variable)

Annual Fee:

$0

Foreign Transaction Fee:

None

HSBC Cash Rewards Mastercard® credit card
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CARD DETAILS:

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

APRs & FEES:

Intro APR on Purch.:

N/A

Intro APR on Bal. Tr.:

0% Intro APR for 15 months

Ongoing APR:

Variable APR of 14.99%, 18.99% or 24.99%

Annual Fee:

None

Foreign Transaction Fee:

0%

Citi Simplicity® Card - No Late Fees Ever
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CARD DETAILS:

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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

APRs & FEES:

Intro APR on Purch.:

0%* 12 months on Purchases*

Intro APR on Bal. Tr.:

0%* 21 months on Balance Transfers*

Ongoing APR:

15.99% - 25.99%* (Variable)

Annual Fee:

$0*

Foreign Transaction Fee:

3%

Capital One® SavorOne℠ Cash Rewards Credit Card
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CARD DETAILS:

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

APRs & FEES:

Intro APR on Purch.:

0% intro on purchases for 15 months

Intro APR on Bal. Tr.:

0% intro on balance transfers for 15 months

Ongoing APR:

14.74% - 24.74% (Variable)

Annual Fee:

$0

Foreign Transaction Fee:

None

Capital One® Quicksilver® Cash Rewards Credit Card
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CARD DETAILS:

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • 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 won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

APRs & FEES:

Intro APR on Purch.:

0% intro on purchases for 15 months

Intro APR on Bal. Tr.:

0% intro on balance transfers for 15 months

Ongoing APR:

14.74% - 24.74% (Variable)

Annual Fee:

$0

Foreign Transaction Fee:

None

Capital One® Platinum Credit Card
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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

APRs & FEES:

Intro APR on Purch.:

N/A

Intro APR on Bal. Tr.:

N/A

Ongoing APR:

24.99% (Variable)

Annual Fee:

$0

Foreign Transaction Fee:

None

HSBC Gold Mastercard® credit card
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CARD DETAILS:

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

APRs & FEES:

Intro APR on Purch.:

0% Intro APR for 18 months

Intro APR on Bal. Tr.:

0% Intro APR for 18 months

Ongoing APR:

Variable APR of 12.99%, 16.99% or 20.99%

Annual Fee:

None

Foreign Transaction Fee:

0%

Discover it® chrome
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APPLY NOW See Details >
CARD DETAILS:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • 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.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

APRs & FEES:

Intro APR on Purch.:

0% (14 months)

Intro APR on Bal. Tr.:

0% (14 months)

Ongoing APR:

13.99% - 24.99% Variable

Annual Fee:

$0

Foreign Transaction Fee:

None

Citi® Double Cash Card – 18 month BT offer
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CARD DETAILS:

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*

APRs & FEES:

Intro APR on Purch.:

N/A

Intro APR on Bal. Tr.:

0% 18 months on Balance Transfers*

Ongoing APR:

15.49% - 25.49%* (Variable)

Annual Fee:

$0*

Foreign Transaction Fee:

3%

Citi ThankYou® Preferred Card
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APPLY NOW See Details >
CARD DETAILS:

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% - 25.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

APRs & FEES:

Intro APR on Purch.:

0% 15 months on Purchases*

Intro APR on Bal. Tr.:

0% 15 months on Balance Transfers*

Ongoing APR:

15.49% - 25.49%* (Variable)

Annual Fee:

$0*

Foreign Transaction Fee:

3%

WebBank/Fingerhut Credit Account
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CARD DETAILS:

  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"

APRs & FEES:

Intro APR on Purch.:

n/a

Intro APR on Bal. Tr.:

n/a

Ongoing APR:

See Terms

Annual Fee:

$0

Foreign Transaction Fee:

See Terms

Related User Questions:

What is a no annual fee credit card and how does it work?
No annual fee credit cards are the most popular choice amongst cardholders because, as the name suggests, it carries no annual fee. This is just like any other normal credit card but charges no annual fee. You derive the similar benefits by using...
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Hi, I'm planning a big purchase. Can you recommend me a no annual fee credit card with cash back rewards? I have good credit.
For sure, you can find great offers for your future purchases. For example, the credit card comes with no annual fee and cash back. It offers 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com...
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I want to apply for Southwest Priority credit card but I don't like $149 annual fee. Any recommendations?
The annual fee is rather typical for airline co-branded credit cards. To compensate it they offer travel perks, in case of the Southwest Priority credit card you receive 4 upgraded boardings per year when available, 20% back on in-flight drinks,...
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Ask Your 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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