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 cost up to $450! 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

for Excellent Credit
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. n/a
Intro APR on Purchases 0% (12 months)
Regular APR 11.9% - 19.9% (V)
Annual Fee $0
Get 5% Earnings on your first $5,000 in purchases every year
  • Every purchase earns rewards that can help you save toward a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • Get 5% Earnings on your first $5,000 in purchases every year.
  • Unlimited 2% Earnings on every purchase after that.
Consumer Rating: 5 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

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
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(15 months)26
0%
(15 months)26
12.99% -
22.99%26 (Variable)
$026
Consumer Rating: 5 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99%, based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The only card that earns you cash back TWICE on every purchase with:
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
Consumer Rating: 5 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for us paying late, no overlimit fee and no foreign transaction fee.±
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

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you′ve made.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(18 months)26
0%
(18 months)26
12.99% -
21.99% (Variable)
$026
Consumer Rating: 5 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a n/a 24.90% $0
Consumer Rating: 4 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(until
May
2015)
0%
(until
May
2015)
12.9% -
22.9% (V)
$0
Consumer Rating: 5 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • One-time $100 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 and no sign ups needed to earn cash rewards.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(6 months)
0%
(18 months)
10.99% -
22.99% Variable±
$0
Consumer Rating: 5 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • 0% intro APR on balance for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.±
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(until
November
2015)
0%
(until
November
2015)
10.9% -
18.9% (V)
$0
Consumer Rating: 5 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • Get 0% intro APR on all purchases until November 2015.
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred.
  • Enjoy no annual fee.
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (Variable)
$026
Consumer Rating: 5 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
Consumer Rating: 5 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.± 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee.±
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a n/a 19.8% (V) $0
Consumer Rating: 5 / 5

Consumer rating of a credit product is a rating that you, consumers, give to a card by evaluating a product in a 1-to-5 rating scale.

This rating solely reflects your, users, experience, opinions, and beliefs. BestCreditOffers.com does not influence this rating in any way. Rate this card by clicking at the rating.

  • Earn 1% cash back on every purchase, every month - and pay no annual fee.
  • For every month you pay on time, you receive a 25% bonus — that′s a total of 1.25% cash back.
  • Get access to a higher credit line after making your first 5 monthly payments on time.

Calculate the cost of paying off
your current balance

Your current credit card info:

Brief results:

You will pay off your balance in 7 months.
You will spend $179.90 on interest and fees.

Paying too much on interest?

See more credit cards to gain »

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 fee annual 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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± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.

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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.