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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 CashForward™ World MasterCard® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 15.24%, 20.24% or 25.24%* Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (15 months (on balance transfers made within 45 days of account opening))
Regular APR: 15.24%, 20.24% or 25.24%* Variable
Balance Transfer Fee: 3%

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 15.24%, 20.24% or 25.24%* Variable
Intro APR on Balance Transfers: 0% (15 months (on balance transfers made within 45 days of account opening))
Regular APR: 15.24%, 20.24% or 25.24%* Variable
Balance Transfer Fee: 3%
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard CashForward™ World MasterCard® Credit Recommended: Excellent

Card details:

Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account openingEarn unlimited 1.5% cash rewards on every purchaseEvery time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption Show More
Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50Cash rewards do not expire as long as your account is open, active and in good standing0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfersNo annual fee
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Capital One® VentureOne® Rewards Credit Card Credit Recommended: Excellent, Good

PURCHASES:

Intro APR on Purchases: 0% intro on purchases for 12 months
Regular APR: 12.49% - 22.49% (Variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 12.49% - 22.49% (Variable)
Balance Transfer Fee: $0

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% intro on purchases for 12 months
Regular APR: 12.49% - 22.49% (Variable)
Intro APR on Balance Transfers: N/A
Regular APR: 12.49% - 22.49% (Variable)
Balance Transfer Fee: $0
Annual Fee: $0
Application Processing Fee: See terms

Capital One® VentureOne® Rewards Credit Card Credit Recommended: Excellent, Good

Card details:

Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travelEarn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual feeFly any airline, stay at any hotel, anytime Show More
Enjoy a low intro APR on purchases for 12 months; 12.49%-22.49% variable APR after thatTravel when you want with no blackout datesNo foreign transaction feesMiles don’t expire and there’s no limit to how many you can earn
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Fingerhut Credit Account Credit Recommended: Bad

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 25.15%

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: 25.15%
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms
Annual Fee: $0
Application Processing Fee: See Terms

Fingerhut Credit Account Credit Recommended: Bad

Card details:

No Annual Fee*.No Over Limit Fee*.Instant Response (Delays may occur depending on application data provided). Show More
Apply for Fingerhut Credit today*. Fill out our easy online application.Low Monthly Payments*.Choose From Over 500,000 items.Shop Great Brands at Fingerhut.com.Budget Friendly Payments* with Fingerhut Credit!Get the Credit You Deserve*.We just love saying "YES!"*SEE Fingerhut.com Site for Terms & Conditions.
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Capital One® Quicksilver® Cash Rewards Credit Card Credit Recommended: Excellent, Good

PURCHASES:

Intro APR on Purchases: 0% intro on purchases for 9 months
Regular APR: 13.49% - 23.49% (Variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% intro on balance transfers for 9 months
Regular APR: 13.49% - 23.49% (Variable)
Balance Transfer Fee: 3%

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% intro on purchases for 9 months
Regular APR: 13.49% - 23.49% (Variable)
Intro APR on Balance Transfers: 0% intro on balance transfers for 9 months
Regular APR: 13.49% - 23.49% (Variable)
Balance Transfer Fee: 3%
Annual Fee: $0
Application Processing Fee: See terms

Capital One® Quicksilver® Cash Rewards Credit Card Credit Recommended: Excellent, Good

Card details:

One-time $100 cash bonus after you spend $500 on purchases within 3 months of approvalEarn unlimited 1.5% cash back on every purchase, every dayNo rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn Show More
0% intro APR on purchases for 9 months; 13.49%-23.49% variable APR after thatBalance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% variable APR after that; a 3% fee applies to each balance transferredPay no annual fee or foreign transaction fees
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JetBlue Card Credit Recommended: Excellent/Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 12.49%, 20.49% or 25.49% variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)
Regular APR: 12.49%, 20.49% or 25.49% variable
Balance Transfer Fee: 3%

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 12.49%, 20.49% or 25.49% variable
Intro APR on Balance Transfers: 0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)
Regular APR: 12.49%, 20.49% or 25.49% variable
Balance Transfer Fee: 3%
Annual Fee: $0
Application Processing Fee: See terms

JetBlue Card Credit Recommended: Excellent/Good

Card details:

Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking. Show More
Points awarded in your TrueBlue account don't expire.Earn and share points together with Family Pooling.50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flightsNo foreign transaction feesChip technology & $0 Fraud Liability protection
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Capital One® Platinum Credit Card Credit Recommended: Average, Fair, Limited

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 24.99% (Variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 24.99% (Variable)
Balance Transfer Fee: $0

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 24.99% (Variable)
Intro APR on Balance Transfers: N/A
Regular APR: 24.99% (Variable)
Balance Transfer Fee: $0
Annual Fee: $0
Application Processing Fee: See terms

Capital One® Platinum Credit Card Credit Recommended: Average, Fair, Limited

Card details:

Pay no annual feeGet access to a higher credit line after making your first 5 monthly payments on timeFraud coverage if your card is lost or stolen Show More
Use online banking to access your account, even from your smartphone, with our mobile appPay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for youGet access to your account 24 hours a day, 7 days a weekHelp strengthen your credit for the future with responsible card use
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Barclaycard Ring™ Mastercard® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: 0% (15 months)
Regular APR: 13.49% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (15 months (on balance transfers made within 45 days of account opening))
Regular APR: 13.49% Variable
Balance Transfer Fee: None

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% (15 months)
Regular APR: 13.49% Variable
Intro APR on Balance Transfers: 0% (15 months (on balance transfers made within 45 days of account opening))
Regular APR: 13.49% Variable
Balance Transfer Fee: None
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard Ring™ Mastercard® Credit Recommended: Excellent

Card details:

0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%No balance transfer feesNo foreign transaction fees Show More
Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroadFree online access to FICO® Credit Score
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Chase Slate® credit card Credit Recommended: Excellent / Good

PURCHASES:

Intro APR on Purchases: 0% (15 months)2
Regular APR: 15.49%-24.24% Variable2

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (15 months)2
Regular APR: 15.49%-24.24% Variable2
Balance Transfer Fee: See terms

FEES:

Annual Fee: $02
Application Processing Fee: See terms
Intro APR on Purchases: 0% (15 months)2
Regular APR: 15.49%-24.24% Variable2
Intro APR on Balance Transfers: 0% (15 months)2
Regular APR: 15.49%-24.24% Variable2
Balance Transfer Fee: See terms
Annual Fee: $02
Application Processing Fee: See terms

Chase Slate® credit card Credit Recommended: Excellent / Good

Card details:

$0 intro fee for balance transfers within the first 60 days of account opening.20% intro APR for 15 months on purchases and balance transfers.2Monthly FICO® Score and Credit Dashboard for free.2 Show More
$0 Annual Fee.2See additional Chase Slate® details.2
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Journey® Student Rewards from Capital One® Credit Recommended: Average, Fair, Limited

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 20.49% (Variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 20.49% (Variable)
Balance Transfer Fee: $0

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 20.49% (Variable)
Intro APR on Balance Transfers: N/A
Regular APR: 20.49% (Variable)
Balance Transfer Fee: $0
Annual Fee: $0
Application Processing Fee: See terms

Journey® Student Rewards from Capital One® Credit Recommended: Average, Fair, Limited

Card details:

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that monthThere’s no limit to the amount of cash back you can earn, and rewards don't expireGet access to a higher credit line after making your first 5 monthly payments on time Show More
Pay no annual or foreign transaction feesFraud coverage if your card is lost or stolenPick the monthly due date that works best for you
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BankAmericard® Credit Card Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: See terms
Regular APR: 11.49% - 21.49% Variable3

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (18 billing cycles for balance transfers made in the first 60 days)3
Regular APR: 11.49% - 21.49% Variable3
Balance Transfer Fee: 3%3

FEES:

Annual Fee: None3
Application Processing Fee: See terms
Intro APR on Purchases: See terms
Regular APR: 11.49% - 21.49% Variable3
Intro APR on Balance Transfers: 0% (18 billing cycles for balance transfers made in the first 60 days)3
Regular APR: 11.49% - 21.49% Variable3
Balance Transfer Fee: 3%3
Annual Fee: None3
Application Processing Fee: See terms

BankAmericard® Credit Card Credit Recommended: Excellent

Card details:

The perfect card for those seeking a simple yet convenient-to-use credit card.3Save on interest when you transfer higher rate balances.3No annual fee.3 Show More
Introductory 0% APR for your first 18 billing cycles for balance transfers made within 60 days of opening your account. After that, a Variable APR that′s currently 11.49% to 21.49% will apply.3See additional BankAmericard® Credit Card details.3
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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.