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No Annual Fee Credit Card Offers for 2025
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 June 2025
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**
- 3% unlimited cash back on every purchase in Home, Health, and Auto categories
- No annual fee
This offer is not available in DC, GA, IA, MA, WV, WI.
More No Annual Fee Credit Cards
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
Excellent / Good Credit
- Get built-in flexibility with the TD FlexPay Credit Card
- Our best balance transfer offer
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
Intro APR on Purchases
None
Intro APR on Balance Transfers
Get our best balance transfer offer: 0% introductory APR on balance transfers for first 18 billing cycles after account opening. After that 18.24% - 28.24% variable APR based on your creditworthiness.
Regular Purchase APR
18.24%, 20.24%, 23.24%, 26.24% or 28.24% variable APR based on your creditworthiness.
Annual Fee
None
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
33.99% Variable
Annual Fee
$0
See website for Details^
- 2% Unlimited Cash Back on Every Purchase, Everywhere Mastercard is accepted
- No Limit On The Monthly Rewards You Can Earn
- $0 Foreign Transaction Fees
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Fast and Easy Application Process
- Zero Fraud Liability for Unauthorized Charges
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Checking your eligibility does not affect your credit score
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- Help Strengthen Your Credit History With Responsible Use
- We May Periodically Review Your Account For Credit Line Increases
- Returned Payment Fee : Up to $25
- Avant branded credit products are issued by WebBank
- ^See the Provider’s terms for more information
Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfers
N/A
Regular Purchase APR
29.99%^
Annual Fee
$0^
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
Excellent / Good Credit
- Special offer: Earn $200 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account.
- Choose your top two spend categories to earn unlimited 3% and 2% Cash Back. Earn unlimited 1% Cash Back on all other eligible purchases.
- Switch spend categories up to four times a year.
- No annual fee
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
Intro APR on Purchases
None
Intro APR on Balance Transfers
0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 19.24%, 24.24% or 29.24% variable APR based on your credit worthiness.
Regular Purchase APR
19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.
Annual Fee
None
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
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
Excellent / Good Credit
- Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
- Earn unlimited 2% Cash Back on all eligible purchases
- No reward categories, no caps, no worries.
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.
Intro APR on Purchases
None
Intro APR on Balance Transfers
0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 19.24%, 24.24% or 29.24% variable APR based on your credit worthiness.
Regular Purchase APR
19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.
Annual Fee
None
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
See website for Details^
- Fast and easy application process
- We may periodically review your account for Credit Line Increases
- May help strengthen your credit history with responsible use
- No Hidden Fees^
- $0 Foreign Transaction Fees
- Conveniently pay your card through our online portal, 24/7
- Zero Fraud Liability for Unauthorized Charges
- Avant branded credit products are issued by WebBank
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Late Fee up to $39
- Returned Payment Fee : Up to $25
- ^See the Provider’s terms for more information
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
35.99%^
Annual Fee
$0^
This offer is not available in DC, GA, IA, MA, WV, WI.
Excellent, Good, Fair, Average Credit
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
- No annual fee
- Pay no interest when you pay your full balance early*
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- No touch payments with contactless technology built in
- See if you qualify in seconds with no impact to your credit score
- Great for everyday expenses and large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa's Zero Liability Policy
This offer is not available in DC, GA, IA, MA, WV, WI.
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
- Business requirements: 1+ years in business, minimum of 20k/month deposits, and no Sole Proprietorships.
- No origination fees, maintenance fees, or draw fees.
- As your revenue increases, your spending limit increases.
- Access cash on demand with funds deposited straight into your bank account via the Flex Line.
- Approvals based on your business revenue and not personal credit.
- 24/7 access to business funding - via mobile app and Visa business card.
- Rated Excellent on Trustpilot with 800+ 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 DC, GA, IA, MA, WV, WI.
Excellent, Good, Fair, Average Credit
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- 1.5% unlimited cash back on every purchase
- No annual fee
- See if you qualify in seconds with no impact to your credit score
- Combine the flexibility of a card with the predictability of a personal loan
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- Contactless payments with Apple Pay® and Google Wallet™
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
This offer is not available in DC, GA, IA, MA, WV, WI.
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
33.99% 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. ...
Have a Question About Credit Cards?
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