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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 December 2018
Compare now (24) »
Excellent, Good Credit
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.99% - 24.99% Variable
Annual Fee
$0
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
More No Annual Fee Credit Cards
Excellent, Good Credit
- INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
- Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
- No Blackout Dates - fly any airline, stay at any hotel.
- Redeem your Miles as a statement credit towards travel purchases.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- 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, Discover Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
10.99% (14 months)
Ongoing APR
13.99% - 24.99% Variable
Annual Fee
$0
Good, Excellent Credit
- 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
- No Penalty APR.
- Late Fee Waiver.
- No Foreign Transaction Fees.
- $0 Annual Fee.
- $0 liability for unauthorized purchases.
- Terms Apply.
Intro APR on Purchases
0% Intro APR for 18 months
Intro APR on Balance Transfers
0% Intro APR for 18 months
Ongoing APR
Variable APR of 12.99%, 16.99% or 20.99%
Annual Fee
None
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
Good, Excellent Credit
- Earn unlimited 1.5% cash rewards on all purchases.
- Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
- 10% Anniversary Bonus on all Cash Rewards earned once a year.
- No Annual Fee.
- 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
- No Foreign Transaction Fees.
- $0 liability for unauthorized purchases.
- Terms Apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 15 months
Ongoing APR
Variable APR of 14.99%, 18.99% or 24.99%
Annual Fee
None
Excellent, Good Credit
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
- Fly any airline, stay at any hotel, anytime
- Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
- Travel when you want with no blackout dates
- No foreign transaction fees
- Miles won't expire for the life of the account and there's no limit to how many you can earn
Intro APR on Purchases
0% intro on purchases for 12 months
Intro APR on Balance Transfers
N/A
Ongoing APR
13.74% - 23.74% (Variable)
Annual Fee
$0
Good - Excellent Credit
- Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
- Earn 2% on your first $3,000 on supermarket purchases per year
- Unlimited 1% cash back on all other purchases
- USAA membership is available to active and former military and their eligible family members
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
13.90% - 27.90% Variable
Annual Fee
$0
Excellent, Good Credit
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfers
0% intro on balance transfers for 15 months
Ongoing APR
14.74% - 24.74% (Variable)
Annual Fee
$0
Good - Excellent Credit
- Enjoy USAA's lowest rate card.
- No annual fee, no foreign transaction fees, no penalty APR.
- USAA membership is available to active and former military and their eligible family members
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.90% - 25.90% Variable
Annual Fee
$0
Excellent, Good Credit
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfers
0% intro on balance transfers for 15 months
Ongoing APR
14.74% - 24.74% (Variable)
Annual Fee
$0
Good - Excellent Credit
- Earn 2X points per dollar spent on gas and dining with no caps.
- Earn 1X points for every dollar spent on all other purchases.
- Get 2,500 bonus points with your first purchase.
- Redeem points for cash, merchandise, gift cards and more.
- USAA membership is available to active and former military and their eligible family members
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
11.90% - 27.90% Variable
Annual Fee
$0
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
Excellent, Good Credit
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 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
13.99% - 24.99% Variable
Annual Fee
$0
Good/Excellent Credit
- Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
- Low 13.99% variable APR on purchases and cash advances
- No annual fee
- No foreign transaction fees
- International Chip and PIN
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 months on balance transfers made within 45 days of account opening.
Ongoing APR
13.99% 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
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 (when the introductory interest rate is over, the ongoing APR will apply). You won't be charged...
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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