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 June 2018

Discover it® Miles Application
Compare now (45) »
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
13.49% - 24.49% 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

Discover it® Cash Back Application
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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 unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • 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
13.49% - 24.49% Variable
Annual Fee
$0
4
Card Overall Rating
Fair / Good Credit
  • Gettington Credit Account (issued by WebBank)
  • Gettington offers thousands of name brand products and convenient credit.
  • Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way:
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you'll be paid in full.
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
  • New customer offer. Free shipping on your first order of $49 with an approved Gettington Credit Account** Enter Code: GTN918
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
29.99% (non-variable)
Annual Fee
$0
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, earn unlimited 1% cash back on all other purchases – automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • 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
13.49% - 24.49% 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
4
Card Overall Rating
Excellent Credit
  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
10.49% Variable
Annual Fee
$0
Discover it® chrome Application
Compare now (45) »
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.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • 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.
  • 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
13.49% - 24.49% Variable
Annual Fee
$0
4
Card Overall Rating
Good - Excellent Credit
  • Enjoy our lowest rate card
  • No annual fee, no foreign transaction fees, no penalty APR
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.40% - 25.40% Variable
Annual Fee
$0
5
Card Overall Rating
Good - Excellent Credit
  • Earn 1.5% cash back on every purchase with no limits or category restrictions.
  • Pay no annual fee, no penalty APR and no foreign transaction fees
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
13.40% - 27.40% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent / Good Credit
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.00% (V)
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfers
0% for 12 months
Ongoing APR
11.00% (V)
Annual Fee
$0
3
Card Overall Rating
Excellent Credit
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 9.75% 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
9.75% (variable)
Annual Fee
NONE

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 service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

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Ask Our Experts or Read Credit Card FAQs
You can consider the Discover it® Cash Back 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 late with...
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. Consumers with good credit may like Discover credit cards. Historically, Discover...
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