No Annual Fee Credit Card Offers for 2022

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 May 2022

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
Annual Fee
$0
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking 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 card with the low cost and predictability of a loan

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

More No Annual Fee Credit Cards

BlockFi Application
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This offer is not available in Kentucky, New York, U.S. territories.

5
Card Overall Rating
Excellent/Good Credit
  • The World’s First Crypto Rewards Credit Card
  • Know if you’re approved without affecting your credit score
  • There are no fees to use the card. No annual fee. No foreign transaction fees.
  • Earn 3.5% back in crypto on all purchases in your first 3 months up to $100 in crypto, and 1.5% forever after
  • Earn 2% back in crypto on every dollar over $50,000 of annual spend

This offer is not available in Kentucky, New York, U.S. territories.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
N/A
Annual Fee
$0
5
Card Overall Rating
Excellent/Good/Limited/No Credit
  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 13.24% - 27.24%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants
  • $300 - $10,000 credit limits
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
13.24% - 27.24% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • Earn Cash Back for Everyday Purchases
  • No Caps. No Limits. No Gimmicks.
  • 2% Cash Back** on all purchases for PenFed Honors Advantage Membersƚƚ
  • 1.5% Cash Back** on all purchases made with your card
  • $100 Bonus Offer Statement Creditƚ When you spend $1,500 in the first 90 days
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR*: 15.99% to 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
15.99% to 17.99% Variable
Annual Fee
$0
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
5
Card Overall Rating
Excellent/Good Credit
  • New Card Holder Offer - up to $100 credit applied to your Verizon wireless bill over the first 24 months when you use the card to pay your wireless bill.
  • Only Verizon Wireless Account Owners and Managers on accounts with up to 12 phone lines max (depending on plan) are eligible to apply for the Verizon Visa® Card.
  • New enrollees to Verizon’s Auto Pay can get up to $10 per month off each eligible account or line up to 12 lines max (depending on plan). New card holders can enroll using their card which is the only credit card approved for the discount.
  • You can earn rewards in the form of Verizon Dollars:
  • 4% on grocery store & gas purchases.
  • 3% on dining purchases, including takeout.
  • 2% on Verizon purchases (including monthly wireless bill).
  • 1% on all other purchases everywhere Visa Credit Cards are accepted.
  • Card holders can use Verizon Dollars at our store - but they don’t have to. They can use them on travel, or to get gift cards from their favorite brands. They can even put them toward their wireless bill.
  • No annual or foreign transaction fees.178
  • To learn more see www.verizon.com/verizonvisacard for details.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.99% - 25.99% (variable, dependent on card type) Rates are accurate as of April 1, 2022
Annual Fee
$0178
5
Card Overall Rating
Excellent/Good Credit
  • Our Lowest-Rate Card
  • Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
  • LOW APR on all purchases
  • $100 Bonus Offer Statement Creditƚ when you spend $1,500 in first 90 days
  • 0% Balance Transfers Promo APR for 15 months. 3% fee applies to each transaction. Subject to credit approval.
  • Balance Transfers Promo APR for 15 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR*: 7.49% to 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 15 Months
Ongoing APR
7.49% to 17.99% Variable
Annual Fee
$0

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**
  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99% - 29.99%
Annual Fee
$0
4
Card Overall Rating
Good/Excellent Credit
  • Earn up to $200 when you fund an Invest account as well as a Checking and Savings account after getting approved for the SoFi Credit Card
  • Earn 3% cash back rewards for a year when you set up direct deposit with SoFi. After that, earn 2%* unlimited cash back on purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi. Plus, redeem points toward crypto
  • No annual fee, no foreign transaction fee, Mastercard World Elite benefits
  • See offer and benefit terms
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
13.24% to 25.49%* Variable
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • Get Rewarded on Everyday Purchases
  • 5x Points** on gas paid at the pump and EV charging stations
  • 3x Points** at the supermarket (including most Target and Walmart locationsƚ), restaurants, and TV, radio, cable, streaming services
  • 1x Points** on all other purchases
  • 15,000 when you spend $1,500 in first 90 days
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR*: 14.49% to 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
14.49% to 17.99% Variable
Annual Fee
$0

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking 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 card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
Annual Fee
$0
5
Card Overall Rating
Fair/Bad/Limited/No Credit
  • $0 Annual Fee
  • Variable APRs range from 20.24% - 29.74%
  • $300 - $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • 2% - 10% cash back at select merchants
  • See if you're pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
20.24 - 29.74% 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.

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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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