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.

Best No Annual Fee Credit Cards For You

Best of the Best
One-Time $100 Cash Bonus
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% (Variable)
Annual Fee $0
5% Earnings on your first $5,000 in purchases every year
  • 5% Earnings on your first $5,000 in purchases every year.
  • Unlimited 2% Earnings on every purchase after that.
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
 
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% (until April 2016) 0% (until April 2016) 12.9% - 22.9% (Variable) $0
 
Consumer Rating: 5 / 5
  • 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.
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0% (until July 2016) n/a 11.9% - 21.9% (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.
n/a n/a 14.90% or 19.90% $0
 
Consumer Rating: 4 / 5
  • Apply now, buy Today*.
  • Low APR, No Hidden Fees, No annual fees.
  • Take $25 off your $100 purchase from Gettington - Use Coupon Code GTN334 **Offer Expires 8/31/2015.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% (12 months) n/a 11.9% - 19.9% (Variable) $0
 
Consumer Rating: 5 / 5
  • 5% Earnings on your first $5,000 in purchases every year.
  • Unlimited 2% Earnings on every purchase after that.
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
Click the Compare link to compare the checked cards side-by-side at the comparison table.
n/a n/a 24.9% (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.
0%
(15 months)
0%
(15 months)
13.99% -
22.99%8 Variable
$0
 
Consumer Rating: 5 / 5
  • Named a Best Card for Cash Back by MONEY® Magazine.
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period.
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
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0%
(12 billing cycles)
0%
(12 billing cycles
for qualifying balance transfers)
12.99% - 22.99%
Variable on
purchases &
balance transfers
$0
 
Consumer Rating: 5 / 5
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • No annual 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% (Variable) $0
 
Consumer Rating: 5 / 5
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back.
  • 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.

8 See the Chase card terms and conditions online.

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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.