No Annual Fee Credit Card Offers

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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.

TOP NO ANNUAL FEE OFFERS FOR YOUR CREDIT
BEST for EXCELLENT CREDIT
Barclaycard Ring™ Mastercard®
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0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%

No balance transfer fees

No foreign transaction fees

Consumer Rating: 4 / 5
BEST for BAD CREDIT
WebBank/Fingerhut Credit Account
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No Annual Fee*.

No Over Limit Fee*.

Instant Response (Delays may occur depending on application data provided).

Consumer Rating: 4 / 5

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
JetBlue Card
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N/A 0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening) 12.99%, 20.99% or 25.99% variable $0
Consumer Rating: 5 / 5
  • Earn 5,000 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-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Marriott Rewards® Premier Credit Card
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See terms See terms 16.74% - 23.74% Variable2 $852
Consumer Rating: 4 / 5
  • Receive 80,000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier credit card.2
  • Plus, earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.2
  • Earn 5 points for every $1 spent at over 5,700 participating Marriott Rewards® and SPG® hotels.2
  • Earn 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies & restaurants.2
  • Earn 1 point for every $1 you spend on all other purchases with your card.2
  • All for a low $85 annual fee.2
  • See additional Marriott Rewards® Premier credit card details.2
ABOC Platinum Rewards Card
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0% for 12 months N/A 13.90% - 23.90% Variable $0
Consumer Rating: 5 / 5
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 13.90% - 23.90%, based on your creditworthiness.
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening.
  • Unlimited Points That Don´t Expire.
  • Earn Points on Every Purchase! It´s simple: $1 = 1 Point.
  • No Annual Fee.
  • Select Your Rewards Your Way.
Wells Fargo Propel American Express® Card
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0% for 12 months 0% for 12 months 13.99%-25.99% Variable None
Consumer Rating: 5 / 5
  • NEW:20,000 bonus points if you spend $1,000 (net purchases) in first 3 months.
  • 10% annual bonus on non-bonus rewards points if you maintain a qualifying Wells Fargo checking or savings account.
  • 3x points at U.S. gas stations, 2x points at U.S. restaurants, 1x on virtually all other net purchases3 - enjoy 5 years to use the points you earn.
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
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Select the state of your residence
Check off your current active bank accounts. Don't check anything if you haven't active accounts.
This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

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.

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