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No Annual Fee Credit Card Offers for 2024
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 CARD OFFER of December 2024
Excellent, Good, Fair, Average Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
More No Annual Fee Credit Cards
Good Credit
- Earn 10% back in Reward Dollars* every day on purchases at CB2, Crate & Barrel, and Crate & Kids
- Or, receive up to 24-months special financing** on qualifying purchases.
- Earn 2% back in Reward Dollars* on grocery store purchases and 1% back in Reward Dollars* on all other purchases anywhere Mastercard is accepted
- No annual fee^^
- Exclusive access: Enjoy cardholder-only offers, invitations to private events, and more perks!
- Shop seamlessly and track your Reward Dollars*, manage your account, and more with the CB2 mobile app
- Enjoy Mastercard member benefits like Mastercard ID Theft Protection™ , Mastercard Travel & Lifestyle Services, and Mastercard Global Service™^
- When you apply, you will first be considered for the CB2 Mastercard, if you do not qualify for the CB2 Mastercard you will then be considered for the CB2 Credit Card
- */**/^^/^Learn More about the CB2 credit card
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Regular Purchase APR
34.49% Variable
Annual Fee
$0
Excellent / Good / Fair Credit
- Earn unlimited cash back at millions of merchants. No restrictions. No rotating categories. No annual fee.272
- Earn 3% cash back when you check out with PayPal. Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and restrictions.
- Earn 1.5% cash back everywhere else Mastercard is accepted.
- Easily redeem the cash rewards you earn to PayPal anytime, anywhere with the PayPal app and PayPal.com. Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
- The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
- The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
19.74% - 34.49% Variable APR as of 10/1/2024272
Annual Fee
None272
Excellent / Good Credit
- Apply for a credit card with No Annual Fee.
- Enjoy 0% Intro APR on purchases or balance transfers; a variable go-to APR applies when the intro period is over.
- Unlimited rewards on all purchases.
Intro APR on Purchases
0% (up to 21 months)
Intro APR on Balance Transfers
0% (up to 21 months)
Regular Purchase APR
Annual Fee
$0
Good Credit
- Earn 10% back in Reward Dollars* every day on purchases at Crate & Barrel, Crate & Kids, and CB2
- Or, receive up to 24-months special financing** on qualifying purchases.
- Earn 2% back in Reward Dollars* on grocery store purchases and 1% back in Reward Dollars* on all other purchases anywhere Mastercard is accepted
- No annual fee^^
- Exclusive access: Enjoy cardholder-only offers, invitations to private events, and more perks!
- Shop seamlessly and track your Reward Dollars*, manage your account, and more with the Crate & Barrel mobile app
- Enjoy Mastercard member benefits like Mastercard ID Theft Protection™ , Mastercard Travel & Lifestyle Services, and Mastercard Global Service™^
- When you apply, you will first be considered for the Crate & Barrel Mastercard, if you do not qualify for the Crate & Barrel Mastercard you will then be considered for the Crate & Barrel Credit Card
- */**/^^/^Learn More about the Crate & Barrel credit card
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Regular Purchase APR
34.49% Variable
Annual Fee
$0
Any Credit
- Credit for everyone - Regardless of your credit history!
- Get paid up to 2 days faster - Using Direct Deposit.
- Build credit not debt.
- Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
- View Product Disclosures
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
0.00%
Annual Fee
$0
Average/Fair Credit
- Earn 10% back in Reward Dollars* every day on purchases at Crate & Barrel, Crate & Kids, and CB2
- Or, receive up to 24-months special financing** on qualifying purchases.
- No annual fee^^
- Exclusive access: Enjoy cardholder-only offers, invitations to private events, and more perks!
- Shop seamlessly and track your Reward Dollars*, manage your account, and more with the Crate & Barrel mobile app
- When you apply, you will first be considered for the Crate & Barrel Mastercard, if you do not qualify for the Crate & Barrel Mastercard you will then be considered for the Crate & Barrel Credit Card
- */**/^^Learn More about the Crate & Barrel credit card
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Regular Purchase APR
34.49% Variable
Annual Fee
$0
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
Excellent, Good, Fair, Average Credit
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
- Pay your balance in full early each month and avoid interest with EarlyPay*
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
This offer is not available in Michigan.
Bad, Good Credit
- No annual fee and no draw fee
- Includes flex line, similar to a line of credit and only pay for what you use
- Access cash on demand with funds deposited straight into your bank account
- Fast and easy application process - apply online and receive a funding decision in as little as an hour
- Approvals based on your business revenue and not personal credit
- As your revenue increases, spending limits also increase
- Access to business credit tools - Revenued reports to D&B to help build your business credit
- Access to a dedicated U.S-based account manager to help you make the most of being a Revenued card holder
- Rated Excellent on Trustpilot with 600+ reviews
This offer is not available in Michigan.
Intro APR on Purchases
Factor based
Intro APR on Balance Transfers
N/A
Regular Purchase APR
N/A
Annual Fee
$0
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
Excellent, Good, Fair, Average Credit
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
Average/Fair Credit
- Earn 10% back in Reward Dollars* every day on purchases at Crate & Barrel, Crate & Kids, and CB2
- Or, receive up to 24-months special financing** on qualifying purchases.
- No annual fee^^
- Exclusive access: Enjoy cardholder-only offers, invitations to private events, and more perks!
- Shop seamlessly and track your Reward Dollars*, manage your account, and more with the CB2 mobile app
- When you apply, you will first be considered for the CB2 Mastercard, if you do not qualify for the CB2 Mastercard you will then be considered for the CB2 Credit Card
- */**/^^Learn More about the CB2 credit card
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Regular Purchase APR
34.49% Variable
Annual Fee
$0
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 is, 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.
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
To start with, it is very important to note that secured credit cards may come with no application or processing fee but most of them do offer an annual fee. In addition, secured credit cards typically do not offer competitive interest rates and...
If you have bad credit there are several options for you with no annual fee. You can choose a secured credit card or an unsecured credit card. Secured cards are rather easy to get because they require at least minimum security deposit to be paid...
There definitely are credit cards with rewards and no annual fee, and if your credit is high enough you may get a 0% APR along with rewards and no annual fee option. ...
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