No Annual Fee Credit Card Offers for 2020

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 July 2020

5
Card Overall Rating
Excellent / Good Credit
Intro APR on Purchases
0% (up to 18 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Ongoing APR
See Site
Annual Fee
$0
  • 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.

More No Annual Fee Credit Cards

4
Card Overall Rating
  • Get quick approval—up to $100 credit with payments of only $10 a month
  • Build buying power and earn higher limits with on-time payments
  • Enjoy safe and stress-free account management and online bill pay
  • Shop 1000s of quality brands now and pay late
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
5.75% - 25.99%
Annual Fee
$0
3
Card Overall Rating
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 8.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.25% (variable)
Annual Fee
NONE
4
Card Overall Rating
  • Get up to $1,000 Credit Line with Guaranteed Approval*!
  • Designed for people with Bad or No Credit.
  • Our Online Store Features Products from All the Major Name Brands You Love and Trust!
  • 0% Interest for Members!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
0%
Annual Fee
N/A
5
Card Overall Rating
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 18 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Ongoing APR
Annual Fee
$0
4
Card Overall Rating
  • Buy Now, Pay Later.
  • Budget frendly with low monthly payments starting at just $10 a month.
  • Get quick approval response and no annual fee.
  • Freeing: Save your credit cards for other things.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
5.75% - 25.99%
Annual Fee
$0
5
Card Overall Rating
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee
Intro APR on Purchases
0% (12 months on Purchases)
Intro APR on Balance Transfers
N/A
Ongoing APR
12.90% - 22.90% Variable APR
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.

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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

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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