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No Annual Fee Credit Card Offers for 2021
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 2021
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Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.74% - 25.74% (variable, dependent on card type) Rates are accurate as of December 1, 2020
Learn more
Learn more
Annual Fee
$0
- 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.
- Up to $10 per month off each eligible account or line, up to 10 lines max, when you enroll in Verizon Auto Pay with the Verizon Visa Card.
- “You can earn rewards in the form of Verizon Dollars:
More No Annual Fee Credit Cards
- Earn 1% cash back on every purchase. Terms apply.*
- Up to a $5,000 credit limit
- Unique autopay settings, push notifications, and utilization alerts that help you manage your account and build your credit
- All the benefits of a premium Mastercard
- No annual fee, no security deposit, no foreign transaction fees*
- *See terms and fees: jaspercard.com/disclosures/fees_terms
- Issued by WebBank, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
15.49%-24.99% (Variable)
Annual Fee
$0
- 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
- 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
- No Foreign Transaction Fee
Intro APR on Purchases
0% (12 months on Purchases)
Intro APR on Balance Transfers
N/A
Ongoing APR
12.90% - 22.90% Variable APR
Annual Fee
$0
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back from select merchants
- $500 - $10,000 credit limits
- Variable APRs 12.99% - 26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- 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
12.99% - 26.99% Variable
Annual Fee
$0
- 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.
- Up to $10 per month off each eligible account or line, up to 10 lines max, when you enroll in Verizon Auto Pay with the Verizon Visa Card.
- “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.“
- No annual or foreign transaction fees.
- 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
18.74% - 25.74% (variable, dependent on card type) Rates are accurate as of December 1, 2020
Annual Fee
$0
- 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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
Annual Fee
$0
- Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
- Low 8.25% 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
8.25% (variable)
Annual Fee
NONE
- $0 Annual Fee
- 2% - 10% cash back from select merchants
- $500 - $5,000 credit limits
- Variable APRs 19.99 - 29.49% APR
- No annual or international transaction fees. Late and returned payment fees may apply
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- 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
19.99 - 29.49% 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. ...
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