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 Bad Credit
for Limited/No Credit
Click the Compare link to compare the checked cards side-by-side at 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
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

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%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
Consumer Rating: 5 / 5
  • 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.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars± and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1,500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0%
(until
May
2016)
0%
(until
May
2016)
10.9% -
18.9% (Variable)
$0
Consumer Rating: 5 / 5
  • Get 0% intro APR on all purchases until May 2016; 10.9% - 18.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
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)
12.9% -
22.9% (Variable)
$0
Consumer Rating: 5 / 5
  • 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.
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0%
(6 months)
0%
(18 months)
10.99% -
22.99% Variable±
$0
Consumer Rating: 5 / 5
  • 0% intro APR on balance transfers 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%.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars± and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
Click the Compare link to compare the checked cards side-by-side at the comparison table.
0%
(until
February
2016)
n/a 11.9% -
19.9% (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 on every purchase, every day and pay no annual fee.
  • Fly any airline, stay at any hotel, anytime.
Click the Compare link to compare the checked cards side-by-side at 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.
Click the Compare link to compare the checked cards side-by-side at the comparison table.
n/a n/a 19.8% (Variable) $0
Consumer Rating: 5 / 5
  • Earn 1% cash back on every purchase.
  • For every month you pay on time, you receive a 25% bonus — that′s 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 Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
Please, select your credit score
Please, select your bankruptcy status
Please, select your state
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 suites your situation best. But 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 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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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.