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 eligible purchases right away -
- Up to 1.5% cash back on eligible purchases after making 12 on - time payments
- 2% to 10% cash back at select merchants -
Annual Fee
- $0
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Limited/Good/Excellent Credit
Benefits & Key features
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- 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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Excellent/Good Credit
Why We Like It
Low intro APR: 0% on purchases for 15 months from the date of account opening, then a variable rate, 13.99% to 23.99%.
Rewards Rate
- 3% - Earn 3% cash back at U.S. supermarkets (up to $6,000/year, then 1%)
- 2% - Earn 2% at U.S. gas stations and select U.S. department stores
- 1% - Earn 1% on all other purchases
Annual Fee
- $0
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Excellent/Good Credit
Benefits & Key features
- Get 20% back on Amazon.com purchases on the Card within the first 6 months of membership - up to $150 back.
- Plus, get $100 back after you spend $2,000 in Card purchases in the first 6 months of card membership. You will receive cash back in the form of statement credits.
- Earn 3% Cash Back at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%).
- Earn 2% Cash Back at U.S. gas stations and at select U.S. department stores.
- Earn 1% Cash Back on other purchases.
- Low intro APR: 0% on purchases for 15 months from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to split up purchases of $100 or more into monthly payments with a fixed fee.
- Cash back is received in the form of Reward Dollars that can be redeemed easily for statement credits.
- No annual fee.
- Terms Apply.
- See Rates & Fees
Excellent / Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
15 months
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
N/A
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
8.99% - 29.99%
Annual fee
$0
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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
8.99% - 29.99%
Annual Fee
$0
Petal® 1 "No Annual Fee" Visa® Credit Card
Intro APR for Balance Transfer
N/A
Regular APR
19.99% - 29.49%
Variable
Annual fee
$0
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Limited/Bad/Fair Credit
Benefits & Key features
- $0 Annual Fee
- $500-$5,000 credit limits
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we’ll create your Cash Score instead.
- 2%-10% cash back at select merchants
- Variable APRs 19.99%-29.49% APR
- No annual or foreign transaction fees.
- Build credit alongside tens of thousands of Petal card members
- 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/Bad/Fair
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
19.99% - 29.49%
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