No Annual Fee Credit Card Offers for 2018

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 January 2018

Discover it® Miles Application
Compare now (40) »
5
Card Overall Rating
Excellent, Good Credit
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
10.99% (14 months)
Ongoing APR
12.24% - 24.24% Variable
Annual Fee
$0
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.

More No Annual Fee Credit Cards

5
Card Overall Rating
Excellent, Good Credit
  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
12.24% - 24.24% Variable
Annual Fee
$0
4
Card Overall Rating
Bad Credit
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
See Terms
Annual Fee
$0
5
Card Overall Rating
Excellent, Good Credit
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
12.24% - 24.24% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent, Good Credit
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
12.24% - 24.24% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent / Good Credit
  • No Annual Fee.
  • 0% Intro APR.
  • Great Rewards Programs.
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfers
0% (12 months)
Ongoing 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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There are a lot of rewards credit cards with low interest rates that allow you to earn rewards on purchases, including GameStop purchases. You can choose to earn cash back, bonus points or miles rewards. Some cards come with 0% intro APR periods on...
You can consider the Discover it® Cashback Match™ credit card. This card has 14 months of 0% interest introductory period on purchases and balance transfers. You won't be charged an annual fee and you won't be charged a penalty fee if you are...
The best strategy to earn travel miles and save on annual fee is to apply for the general rewards credit card that earn travel rewards on all purchases. You can purchase any airline ticket you need and then use earned miles to cover the cost. With a...
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