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:

Capital One® VentureOne® Rewards Credit Card

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular
APR

13.74% - 23.74%

(Variable)

Annual
Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
    • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles won't expire for the life of the account and there's no limit to how many you can earn

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0% intro on purchases for 12 months

Intro APR for Balance Transfer

N/A

Regular APR

13.74% - 23.74% (Variable)

Annual Fee

$0

BankAmericard® credit card

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

0%

Intro APR for 18 billing cycles for balance transfers made in the first 60 days

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Regular
APR

14.99% - 24.99%

Variable APR on purchases and balance transfers

Annual
Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers
    • No annual fee
    • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
    • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0% Introductory APR on purchases for 18 billing cycles

Intro APR for Balance Transfer

0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days

Regular APR

14.99% - 24.99% Variable APR on purchases and balance transfers

Annual Fee

$0

HSBC Cash Rewards Mastercard® credit card

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Good/Excellent Credit Needed

Intro APR for Balance Transfer

0%

Introductory APR on balance transfers for the first 15 months from account opening

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Regular
APR

14.99%, 18.99% or 24.99%

Variable APR will be applied

Annual
Fee

$0

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Good/Excellent Credit Needed

Benefits & KEY FEATURES

    • Earn unlimited 1.5% cash rewards on all purchases.
    • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
    • 10% Anniversary Bonus on all Cash Rewards earned once a year.
    • No Annual Fee.
    • 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
    • No Foreign Transaction Fees.
    • $0 liability for unauthorized purchases.
    • Terms Apply.
    • See Rates & Fees

Benefits & KEY FEATURES

Good/Excellent

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

0% Introductory APR on balance transfers for the first 15 months from account opening

Regular APR

Variable APR of 14.99%, 18.99% or 24.99% will be applied

Annual Fee

$0

Citi® Double Cash Card – 18 month BT offer

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

0%

for 18 months

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Regular
APR

15.49% - 25.49%*

(Variable)

Annual
Fee

$0*

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
    • No categories to track, no caps on cash back, no annual fee*

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

0% for 18 months on Balance Transfers*

Regular APR

15.49% - 25.49%* (Variable)

Annual Fee

$0*

Barclaycard Ring® Mastercard®

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Good/Excellent Credit Needed

Intro APR for Balance Transfer

0% intro APR for 15 months on balance transfers made within 45 days of account opening

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Regular
APR

13.99%

Variable

Annual
Fee

$0

View Details

Apply Now

Good/Excellent Credit Needed

Benefits & KEY FEATURES

    • 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 apply
    • Low 13.99% variable APR on purchases and cash advances
    • No annual fee
    • No foreign transaction fees
    • International Chip and PIN
    • See Rates & Fees

Benefits & KEY FEATURES

Good/Excellent

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

0% intro APR for 15 months on balance transfers made within 45 days of account opening

Regular APR

13.99% Variable

Annual Fee

$0

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