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No Annual Fee Credit Cards

Annual fee is something we don't want to see on our credit card bill. And it is reasonable because today even secured credit cards and credit cards for no credit may come with no annual fee. Credit cards with no annual fee are especially attractive when they come together with rewards and 0% intro APRs. Below you will find credit cards without an annual fee for any type of credit. Review them thoroughly to choose the best possible offer for you.
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Barclaycard Ring® Mastercard®See Rates & Fees Credit Recommended: Good/Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 13.99% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% intro APR for 15 months on balance transfers made within 45 days of account opening.
Regular APR: 13.99% Variable
Balance Transfer Fee: Balance Transfers that post to the account within 45 days of account opening: Either $5 or 2% of the amount of each transfer, whichever is greater. Balance Transfers that post to the account after 45 days of account opening: $0

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 13.99% Variable
Intro APR on Balance Transfers: 0% intro APR for 15 months on balance transfers made within 45 days of account opening.
Regular APR: 13.99% Variable
Balance Transfer Fee: Balance Transfers that post to the account within 45 days of account opening: Either $5 or 2% of the amount of each transfer, whichever is greater. Balance Transfers that post to the account after 45 days of account opening: $0
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard Ring® Mastercard®See Rates & Fees Credit Recommended: Good/Excellent

Card details:

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 applyLow 13.99% variable APR on purchases and cash advancesNo annual fee Show More
No foreign transaction feesInternational Chip and PIN
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WebBank/Gettington Credit Account Credit Recommended: Fair / Good

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 29.99% (non-variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms

FEES:

Annual Fee: $0
Application Processing Fee: See Terms
Intro APR on Purchases: n/a
Regular APR: 29.99% (non-variable)
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms
Annual Fee: $0
Application Processing Fee: See Terms

WebBank/Gettington Credit Account Credit Recommended: Fair / Good

Card details:

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: Show More
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
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Simmons Visa® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 10.25% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 10.25% (variable)
Balance Transfer Fee: NONE

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Intro APR on Purchases: N/A
Regular APR: 10.25% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: 10.25% (variable)
Balance Transfer Fee: NONE
Annual Fee: NONE
Application Processing Fee: See Terms

Simmons Visa® Credit Recommended: Excellent

Card details:

Excellent Credit Required - Applicants that do not have excellent credit will not be approved.Low 10.25% variable standard purchase APR and platinum benefits.No Annual Fee. Show More
No balance transfer fee for balances transferred in response to this online offer.
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WebBank/Fingerhut Credit Account Credit Recommended: Bad

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: See Terms

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms

FEES:

Annual Fee: $0
Application Processing Fee: See Terms
Intro APR on Purchases: n/a
Regular APR: See Terms
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms
Annual Fee: $0
Application Processing Fee: See Terms

WebBank/Fingerhut Credit Account Credit Recommended: Bad

Card details:

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). Show More
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!"
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Simmons Rewards Visa Signature® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 12.25% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 12.25% (variable)
Balance Transfer Fee: NONE

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Intro APR on Purchases: N/A
Regular APR: 12.25% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: 12.25% (variable)
Balance Transfer Fee: NONE
Annual Fee: NONE
Application Processing Fee: See Terms

Simmons Rewards Visa Signature® Credit Recommended: Excellent

Card details:

Excellent Credit Required - Applicants that do not have excellent credit will not be approved.Low 12.25% variable standard purchase APR and platinum benefits.No Annual Fee. Show More
No balance transfer fee for balances transferred in response to this online offer.Travel Rewards - cardholders who enroll in the program receive 1.25 points per net dollar spent.Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.
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Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good

PURCHASES:

Intro APR on Purchases: 0% (up to 18 months)
Regular APR: See Site

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (up to 21 months)
Regular APR: See Site
Balance Transfer Fee: See Site

FEES:

Annual Fee: $0
Application Processing Fee: See Site
Intro APR on Purchases: 0% (up to 18 months)
Regular APR: See Site
Intro APR on Balance Transfers: 0% (up to 21 months)
Regular APR: See Site
Balance Transfer Fee: See Site
Annual Fee: $0
Application Processing Fee: See Site

Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good

Card details:

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.Earn up to 5% cash back or up to 2 points on purchases.

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Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card Credit Recommended: Excellent / Good

PURCHASES:

Intro APR on Purchases: 0% for 12 months
Regular APR: 14.90% - 24.90% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% for 12 months
Regular APR: 14.90% - 24.90% Variable
Balance Transfer Fee: 3% of each balance transfer (minimum $5)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% for 12 months
Regular APR: 14.90% - 24.90% Variable
Intro APR on Balance Transfers: 0% for 12 months
Regular APR: 14.90% - 24.90% Variable
Balance Transfer Fee: 3% of each balance transfer (minimum $5)
Annual Fee: $0
Application Processing Fee: See terms

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card Credit Recommended: Excellent / Good

Card details:

0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% - 24.90%, based on your creditworthinessEarn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account openingUnlimited Points That Don´t Expire Show More
Earn Points on Every Purchase! It´s simple: $1 = 1 PointNo Annual FeeSelect Your Rewards Your Way
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Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card Credit Recommended: Excellent / Good

PURCHASES:

Intro APR on Purchases: 0% for 12 months
Regular APR: 11.25% (V)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% for 12 months
Regular APR: 11.25% (V)
Balance Transfer Fee: 3% of each balance transfer (minimum $5)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% for 12 months
Regular APR: 11.25% (V)
Intro APR on Balance Transfers: 0% for 12 months
Regular APR: 11.25% (V)
Balance Transfer Fee: 3% of each balance transfer (minimum $5)
Annual Fee: $0
Application Processing Fee: See terms

Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card Credit Recommended: Excellent / Good

Card details:

0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V)Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account openingUnlimited Points That Don’t Expire Show More
Earn Points on Every Purchase! It’s simple: $1 = 1 PointNo Annual FeeSelect Your Rewards Your Way
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Is a No Annual Fee Credit Card Always the Best Choice?

Today many banks and credit card companies offer no annual fee credit cards. Consumers can find no annual fee credit cards that give access to different benefits and services or reward with cash back, miles, and points.

However, no annual fee credit cards usually have a minimum set of benefits, services, and rewards. Another drawback is that the credit card issuers my charge fees for other services and benefits, like fees for making payments by phone or for redeeming rewards. Annual percentage rate (APR) is also a bit higher when a card has no annual fee. However, it is still possible to find a no annual fee credit card with 0% intro APR on purchases and balance transfers.

When you choose a no annual fee credit card, you should be attentive to other fees a credit card issuer may charge. Therefore, it is recommended to read the terms and conditions thoroughly before applying for a credit card.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

I want a credit card that won’t charge an annual fee. I need it for emergency use only, can you advise?

There are no annual fee credit cards for any credit history. Look at the no annual fee credit cards we offer to find the card that suits your current credit history. Since it will be a credit card for emergency use only, we would not recommend you to apply for a credit card with rewards. Mostly because you won’t earn big rewards, and interest rate will be a bit higher. Another thing is, once you are approved, make sure you activate your card and show at least minimum activity on your account to keep it active.

Is it possible to get a no annual fee card when my credit is bad?

Yes. You can find a no annual fee credit card when you have bad credit history. 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 before the card is issued. As for unsecured credit cards, they may not require upfront fees but they are difficult to qualify because there is no collateral that backs the issuer up. Weigh all the pros and cons before you apply for a credit card.

Are there credit cards that charge no annual fee and give cash back?

Yes, there are such cards and they are offered even to people with bad credit and no credit at all. Consumers with good credit may like Discover credit cards. Historically, Discover is known for issuing cash back rewards credit cards with no annual fee. So if you have good credit, you may like Discover credit card offers. Having lower credit, you can go to the no annual fee credit card section of this site. You will find credit card offers for any credit history there.

How do I know if the card has an annual fee and what APR I will have if apply?

First of all, here at CreditCardFlyers.com, you will find comprehensive descriptions of all credit cards. The cards’ details include fees, interest rates, and main benefits. If you need more details for a specific offer, you can click on the ‘apply’ button to get redirected to the card’s application page. You will find the card’s terms and conditions on that page. The complete set of terms and conditions, with your individual rates and credit limits, will be sent to you by the issuer once you are approved for the card.