No Annual Fee Credit Cards
It’s becoming increasingly common for credit cards to charge consumers an annual fee, especially for cards that with come with perks or travel rewards. If you’re someone who isn’t interesting in paying for the privilege of using a credit card, don’t worry—there are still excellent credit card options available which won’t charge you an annual fee. Below you’ll find a diverse range of no annual fee credit cards, all of which benefit different types of consumers. The following are our most popular no annual fee credit cards provided by our partners:
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
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Limited/Good/Excellent Credit
Why We Like It
Receive up to 10% cash back from specific merchants
Rewards Rate
- 1% cash back on all purchases right away -
- 1.25% cash back on all purchases after making 6 on time payments -
- 1.5% cash back on all purchases after making 12 on time payments -
Annual Fee
- $0
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Limited/Good/Excellent Credit
Benefits & Key features
- 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 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
Limited / Good / Excellent
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
12.99 - 26.99%
Variable
Annual Fee
$0
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
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on creditcards.com's secure website.
Why We Like It
With a 15 month introductory period of 0% APR on balance transfers and purchases as well as attractive cash back rewards, this card is a must-have
Rewards Rate
- 3% - Earn 3% cash back at U.S. supermarkets (up to $6,000/year, then 1%)
- 2% - Earn 2% at gas stations and department stores
- 1% - Earn 1% on all other purchases
Annual Fee
- $0
Learn More
on creditcards.com's secure website.
Benefits & Key features
- Earn 20% back when you shop at Amazon.com within the first 6 months of receiving a new card - up to $200 back!
- Earn an additional $100 reward by spending $1,000 in purchases on a new card within the first 6 months.
- Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases (then 1%), 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
- Get a low introductory APR of 0% for the first 15 months on purchases from your account opening - then a variable rate of 13.99% to 23.99%.
- Hassle-free cash back: no enrollment required, the same great reward categories year-round.
- Cash back is awarded as Reward Dollars that can be redeemed as a statement credit.
- Plan It® lets you choose purchases of $100 or more to split into monthly payments with a fixed fee and no interest.
- No Annual Fee.
- Terms and restrictions apply.
- See Rates & Fees
Excellent / Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
15 months
Intro APR
(Balance Transfer)
(Balance Transfer)
0%
15 months
Regular APR
13.99% - 23.99%
(Variable)
Annual Fee
$0
Upgrade Visa® Card with Cash Rewards
Intro APR for Balance Transfer
N/A
Regular APR
6.99% - 29.99%
Annual fee
$0
Apply Now
Fair/Good/Excellent Credit
Benefits & Key features
- 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
Fair/Good/Excellent
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
6.99% - 29.99%
Annual Fee
$0
American Express Cash Magnet® Card
American Express Cash Magnet® Card
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on creditcards.com's secure website.
Why We Like It
1.5% cash back on all purchases and a generous 15 month period of 0% APR on purchases and balance transfers
Rewards Rate
- 1.5% - Get a flat 1.5% cash back on all purchases
Annual Fee
- $0
Learn More
on creditcards.com's secure website.
Benefits & Key features
- Receive a $150 bonus when you spend at least $1,000 in purchases with 3 months of opening a new card.
- Get 1.5% Cash Back on all purchases.
- Cash back is earned in the form of Reward Dollars that can be redeemed for statement credits.
- A Cash Back card with a 0% introductory APR for the first 15 months on purchases and balance transfers.
- After that, your APR will be a variable rate, currently 13.99% - 23.99% based on your creditworthiness and other factors.
- More and more businesses are accepting American Express® Cards.
- No annual fee.
- Terms and Restrictions apply.
Excellent / Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
15 months
Intro APR
(Balance Transfer)
(Balance Transfer)
0%
15 months
Regular APR
13.99% - 23.99%
(Variable)
Annual Fee
$0
Jasper Mastercard®
Jasper Mastercard®
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Excellent/Good/Limited Credit
Intro APR for Balance Transfer
N/A
Regular APR
15.49% - 24.99%
Variable
Annual fee
$0*
Apply Now
Excellent/Good/Limited Credit
Benefits & Key features
- Earn 1% cashback on every eligible purchase. Terms apply.*
- Receive your cashback automatically every month as a credit to your account, as long as your account is active and in good standing.
- Up to a $5k credit limit
- All the benefits of a premium Mastercard®
- No annual fee**, no security deposit, no foreign transaction fees
- No credit history required to apply if you don't already have one. If you are a US citizen, a US permanent resident, or have been living in the US for over one year at the time of application, Jasper will run a hard credit inquiry with the credit bureaus.
- An intuitive experience that includes personalized, real-time financial advice, and innovative auto payment options
- Ongoing education for smart credit use via app and emails to encourage healthy financial behavior
- Issued by WebBank, Member FDIC
- *Review the Rewards Program Terms & Conditions
- **Review the Jasper fee schedule
Excellent / Good / Limited
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
15.49% - 24.99%
Variable
Annual Fee
$0*
Loans Under 36%
Benefits & Key features
- Loans up to $35,000
- Suitable for those with all credit ranges
- APR varies from 4.99% up based on customer information
- Great for consolidating debt
- No obligation fee
- Decision within minutes
Benefits & Key features
- Loans up to $35,000
- Suitable for those with all credit ranges
- APR varies from 4.99% up based on customer information
- Great for consolidating debt
- No obligation fee
- Decision within minutes