No Annual Fee Credit Cards

Most credit card issuers offer no annual fee for the first year of use. These credit cards can range for users who have any type of credit rating. Most cards listed not only have no annual fee, but also other incentives such as, points, reward programs, rebates, and more. The following are the best no annual fee credit cards as selected by the CreditCards.org staff:

Barclaycard® Rewards MasterCard® - Average Credit Apply Now
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
658
average
595
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 24.99% (Variable)* $0* Average Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 24.99% (Variable)*
Annual Fee $0*
Credit Needed Average Credit*
  • Earn 1.5 points per $1 on every purchase, every time with no annual fee
  • Online exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - that can be $100 towards travel purchases
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no blackout dates
  • No limit to the total number of points you can earn and points don't expire
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • No foreign transaction fee
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 Billing Cycles* N/A* 14.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-12 Billing Cycles*
Intro APR Balance Transfer N/A*
Regular APR 14.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Capital One® Quicksilver® Cash Rewards Credit Card Apply Now
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
714
average
642
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until January 2015* 0%-until January 2015* 12.9%-22.9% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until January 2015*
Intro APR Balance Transfer 0%-until January 2015*
Regular APR 12.9%-22.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • Pay less interest. Save on balances and new purchases
  • $0 balance transfer fee - introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • No Annual Fee
730
average
661
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 mths* 0%-15 mths* 12.99%, 17.99%, 22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-15 mths*
Intro APR Balance Transfer 0%-15 mths*
Regular APR 12.99%, 17.99%, 22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points Apply Now
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
743
average
697
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 mths* 0%-12 mths* 12.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-12 mths*
Intro APR Balance Transfer 0%-12 mths*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Chase Sapphire® Card Apply Now
  • 10,000 bonus points when you spend $500 on purchases in the first 3 months from account opening that's $100 in travel rewards when you redeem through Chase Ultimate RewardsSM!
  • 2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on dining at restaurants and 1 point per dollar spent on all other purchases
  • Points never expire and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • Earn an additional point per dollar spent when you book airfare and hotel accommodations online through Chase Ultimate RewardsSM
  • 24/7 direct access to dedicated customer service specialists
  • No Annual Fee!
727
average
664
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 15.99% Variable* $0* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Citi® Diamond Preferred® Card Apply Now
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
727
average
672
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-18 mths* 0%-18 mths* 11.99%-21.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-18 mths*
Intro APR Balance Transfer 0%-18 mths*
Regular APR 11.99%-21.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Capital One® VentureOne® Rewards Credit Card Apply Now
  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want - no blackout dates
  • Miles don’t expire
  • No limit to the miles you can earn
729
average
654
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until April 2015* N/A* 11.9%-19.9% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until April 2015*
Intro APR Balance Transfer N/A*
Regular APR 11.9%-19.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Discover it® Apply Now
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • * Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
731
average
687
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-6 mths* 0%-6 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-6 mths*
Intro APR Balance Transfer 0%-6 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Citi Simplicity® Card Apply Now
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
720
average
644
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-18 mths* 0%-18 mths* 12.99%-21.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-18 mths*
Intro APR Balance Transfer 0%-18 mths*
Regular APR 12.99%-21.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*

Related Offers

  • Loans from $100 – $10,000+
  • Repayment Terms up to 60 months!
  • Get your cash as fast as tomorrow
  • * APR between 4.999% & 35.80%
  • Unsecured Personal Loans from $100-$35,000
  • Good, Bad and No Credit Welcome!
  • Lower Interest rates.
  • Loans for any purpose.
  • No collateral, no problem.
Credit Cards › No Annual Fee Credit Cards

† Credit Karma users have received approvals with these TransUnion New Account credit scores. These approved metrics are only guidelines and approval is not guaranteed.