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

PURCHASES:

Intro APR on Purchases: 0% (up to 15 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
Best Credit Cards from: {Best Credit Cards from Credit-Land.com}
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Intro APR on Purchases: 0% (up to 15 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.Unlimited rewards on all purchases.
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Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: 0% (12 months on Purchases)
Regular APR: 12.90% - 22.90% Variable APR

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 12.90% - 22.90% Variable APR
Balance Transfer Fee: 3% of each balance transfer (minimum $5)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Amalgamated Bank of Chicago: {Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card}
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Intro APR on Purchases: 0% (12 months on Purchases)
Regular APR: 12.90% - 22.90% Variable APR
Intro APR on Balance Transfers: N/A
Regular APR: 12.90% - 22.90% Variable APR
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

Card details:

0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthinessEarn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account openingEarn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive Show More
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 PointNo Annual FeeSelect Your Rewards Your WayNo Foreign Transaction Fee
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Simmons Visa® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 8.25% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 8.25% (variable)
Balance Transfer Fee: NONE

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Simmons Bank: {Simmons Visa®}
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Intro APR on Purchases: N/A
Regular APR: 8.25% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: 8.25% (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 8.25% 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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Click apply button to get redirected to the bank’s secure application page

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Simmons Rewards Visa Signature® 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
Simmons Bank: {Simmons Rewards Visa Signature®}
Apply now
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 Rewards Visa Signature® 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.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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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.

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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.

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