BESTCREDITOFFERS.COM
BCO.COM
ADVERTISER DISCLOSURE
BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.
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 October 2022
Compare
Excellent, Good, Fair, Average Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
14.99% - 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 credit card with the predictability of a personal loan
This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.
More No Annual Fee Credit Cards
This offer is not available in Kentucky, New York, U.S. territories.
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 unlimited 1.5% back in crypto back on all purchases*
- Earn 2% back in crypto on every dollar over $30,000 of annual spend*
*See website for complete details
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
Excellent/Good Credit
- Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
- Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
- Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
- No points maximum and your points never expire
- Industry-leading Chip + PIN security
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0.00% (for twelve billing cycles)
Ongoing APR
10.50% to 18.00% when you open your account, based on your credit worthiness
Annual Fee
None
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 15.24% - 29.24%
- 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
15.24% - 29.24% Variable
Annual Fee
$0
Good/Excellent Credit
- Earn Cash Back for Everyday Purchases
- No Caps. No Limits. No Gimmicks.
- 2% Cash Back on all purchases for PenFed Honors Advantage Members
- 1.5% Cash Back on all purchases made with your card
- $100 Bonus Offer Statement Credit 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. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 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: 16.49% to 17.99%
- Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
16.49% to 17.99% Variable
Annual Fee
$0
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
Excellent/Good Credit
- $100 Statement Credit offer: Open a Verizon Visa Card account, get a $100 statement credit applied to your credit card bill – just make your first purchase using the card within the first 90 days.
- 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
20.24% - 27.24% (variable, dependent on card type) Rates are accurate as of July 1, 2022
Annual Fee
$0178
Good/Excellent 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
- 0% Introductory APR on purchases made within the first 15 months after account opening; 0% Balance Transfers Promo APR for 15 months. 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 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: 11.49% to 17.99%
- Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
11.49% to 17.99% Variable
Annual Fee
$0
This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.
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 credit card with the predictability of a personal 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
14.99% - 29.99%
Annual Fee
$0
Good/Excellent 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 locations), restaurants, and TV, radio, cable, streaming services
- 1x Points on all other purchases
- 15,000 Bonus Points 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. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 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: 16.49% to 17.99%
- Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
16.49% to 17.99% Variable
Annual Fee
$0
This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.
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 credit card with the predictability of a personal 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
14.99% - 29.99%
Annual Fee
$0
Fair/Bad/Limited/No Credit
- $0 Annual Fee
- Variable APRs range from 22.24% - 31.74%
- $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
22.24% - 31.74% 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.
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?
RELATED NEWS
User Comments about No Annual Fee Cards
COME GET IN TOUCH WITH US
Never miss a new article, review or a credit product. Follow us in social networks, leave comments, and share your thoughts. Subscribe to receive latest news and trending offers on the credit card market to find the credit card that will save you money and give you perks and rewards.
You've successfully subscribed!
Please specify the following:All these fields are optional
Your Credit History
Themes you are interested in:
SUBMIT
Thank you for providing this information! We will make sure our letters are useful for You.