No Annual Fee Credit Card Offers

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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

Annual fees on credit cards can be costly. Keep in mind: online credit cards that offer no annual fee sometimes charge customers a service membership fee, or participation fees, or skimp on rewards programs. Following is the list of top-rated no annual fee credit card offers. Whether you are a student, businessman, or consumer, you can find and apply for the one that best fits your needs, regardless of your credit score.

Best No Annual Fee Credit Cards For You

Best of the Best
for Fair Credit
for Bad Credit
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Bal. Transf. 0% intro on balance transfers until February 2017
Intro APR on Purchases 0% intro on purchases until February 2017
Regular APR 13.24% - 23.24% (Variable)
Annual Fee $0
One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • 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
 
Consumer Rating: 5 / 5

Other Credit Cards with No Annual Fee

You can sort items by clicking on the table header

How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Intro APR Purch.
(Intro Period)
Intro APR Bal.Tr.
(Intro Period)
APR %
Annual Fee
Apply
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0% intro on purchases until May 2017 N/A 12.24% - 22.24% (Variable) $0
 
Consumer Rating: 5 / 5
  • 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
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% (12 months) 0% (12 months) 15.24%, 19.24% or 23.24%* Variable $0
 
Consumer Rating: 5 / 5
  • 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
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
N/A N/A 24.99% (Variable) $0
 
Consumer Rating: 5 / 5
  • 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
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
N/A N/A 20.24% (Variable) $0
 
Consumer Rating: 5 / 5
  • 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
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a n/a 25.15% See Terms
 
Consumer Rating: 4 / 5
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a n/a 25.24%* Variable $0
 
Consumer Rating: 5 / 5
  • 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
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a n/a 25.15% $0
 
Consumer Rating: 4 / 5
  • Easy Monthly Payments.
  • 20-50% MSRP*.
  • Brands you love featuring closeouts and overstock.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
N/A 0% (First twelve billing cycles following each balance transfer that posts to account within 45 days of account opening) 12.24%, 20.24% or 25.24% variable $0
 
Consumer Rating: 5 / 5
  • LIMITED-TIME OFFER: Earn 10,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue flights. - Points required for an Award Flight will vary based on the published base fare at the time of booking.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
N/A 0% (15 months) 15.24%, 20.24% or 25.24% variable $0
 
Consumer Rating: 5 / 5
  • All 32 NFL team cards are available, customized with your favorite team's colors and logo
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
  • 20% off purchases at NFLShop.com - that's $20 off every $100 you spend

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A look beyond the savings of a No Annual Fee Credit Card

An obvious way to reduce your annual credit card costs is to opt for a card without an annual fee. Saving hundreds of dollars each year may seem pretty straight forward, but there are still some important factors to consider when deciding if a no annual fee credit card is the right choice for you.

Whether you are a student or a new business owner, there are 'no annual fee' cards for customers at every level. However, do bear in mind that the best no fee credit card offers are mostly for people with good credit scores. If you do not fall into this category you may want to consider improving your credit score first so that you can enjoy the benefit of not having to pay an annual fee. Here is some food for thought before you apply for a No Annual Fee Credit Card.
  • Whatever your credit level, be sure to read the fine print of the terms for hidden costs.
  • Another downfall of a no annual fee credit card is that some companies offer fewer rewards programs in exchange for no annual fee.
  • Depending on the details of your terms, with a no annual fee card, you can improve your credit score by keeping your credit card open without the worry of having to pay an annual fee.
  • How often do you use your card? What is the total balance? How long will it take you to pay off? What rewards programs are associated with the card? Are you trying to improve your credit score? These are all questions to ask yourself when considering if a no annual fee card is right for you.
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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.