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® Visa® Credit Card
Petal® Visa® Credit Card
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N/A
Why We Like It
Rewards Rate
- Up to 1.5% cash back after making 12 on - time payments
Annual Fee
- $0
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N/A
Benefits & Key features
- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on purchases right away
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology can help applicants without credit history get approved
- $500 - $10,000 credit limits
- 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
N/A
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
14.49 - 25.49%
Variable
Annual Fee
$0
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
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Excellent/Good Credit
Why We Like It
No categories to track, no caps on cash back, no annual fee
Rewards Rate
- 2% - Earn cash back TWICE. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
Annual Fee
- $0
Apply Now
Excellent/Good Credit
Benefits & Key features
- Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 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.
- Balance Transfers do not earn cash back.
- The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Excellent/Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
0%
for 18 months
Regular APR
15.49% - 25.49%
(Variable)
Annual Fee
$0
Capital One® SavorOne® Cash Rewards Credit Card
Capital One® SavorOne® Cash Rewards Credit Card
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Excellent/Good Credit
Why We Like It
$150 cash rewards after spending $500 in the first 3 months
Rewards Rate
- 3% - Earn unlimited 3% cash back on dining and entertainment
- 2% - Earn 2% at grocery stores
- 1% - Earn 1% on all other purchases
Annual Fee
- $0
Apply Now
Excellent/Good Credit
Benefits & Key features
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Excellent/Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
(Balance Transfer)
0%
for 15 months
Regular APR
15.74% - 25.74%
(Variable)
Annual Fee
$0
Capital One® VentureOne® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card
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Excellent/Good Credit
Why We Like It
20,000 miles after spending $1,000 on purchases in the first 3 months
Rewards Rate
- 1.25X - Earn 1.25X miles on every purchase, every day
Annual Fee
- $0
Apply Now
Excellent/Good Credit
Benefits & Key features
- $0 annual fee and no foreign transaction fees
- Earn a 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
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 12 leading travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 13.74% - 23.74% variable APR after that
Excellent/Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
for 12 months
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
13.74% - 23.74%
(Variable)
Annual Fee
$0
Citi Rewards+℠ Card
Citi Rewards+℠ Card
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Excellent/Good Credit
Why We Like It
15,000 bonus points after you spend $1,000 in purchases with your card within 3 months
Rewards Rate
- 2X - Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
- 1X - Earn 1X Points on All Other Purchases.
Annual Fee
- $0
Apply Now
Excellent/Good Credit
Benefits & Key features
- The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Excellent/Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
(Balance Transfer)
0%
for 15 months
Regular APR
14.99% - 24.99%
(Variable)
Annual Fee
$0
Monevo - Personal Loans from $1,000 - $100,000
Benefits & Key features
- Network of lenders offering loan amounts $1,000 - $100,000
- Rates starting as low as 3.99% APR
- Solutions available for all credit scores
- Funds available as soon as the next business day
- No impact on your credit score to check your rates!