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No annual fee credit cards

  • APR:10.99% - 22.99% Variable*
  • Annual Fees:$0
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Key Features: Very low fees - Generous cash-back rewards - Excellent customer service - 0% APR for 14 months on purchases AND balance transfers.

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Millions of consumers are now on the lookout for credit card applications that are both affordable and works well given their unique financial needs, and one that might check both boxes for many is a no annual fee card.

Credit cards that come with no annual fee can be extremely beneficial to consumers for a number of reasons. The most obvious is that, unlike accounts that carry fees, this type of card can be used - or not used - at no additional cost to the cardholder. More...

 
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Discover it®
Discover it®

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Key Features: Very low fees - Generous cash-back rewards - Excellent customer service - 0% APR for 14 months on purchases AND balance transfers.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Cash Back , #1 Credit ...
Credit Needed:   Excellent
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
CCA In-House Review & more info
Barclaycard® Rewards MasterCard® - Average Credit
Barclaycard® Rewards MasterCard® - Average Credit

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Key Features: Earn 2 points per dollar on gas, groceries and utilities - earn 1 point on everything else - great for sub-excellent credit (good).


Intro Purchase Apr Regular Apr Ann.Fee
N/A 24.99%* (Variable) $0
Type: Gas Cards, Credit Quality ...
Rank: #1 Credit Quality Fair, ...
Credit Needed:   Average
  • 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.
 
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Discover it®
Discover it®

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Key Features: Competitive cash back rewards - excellent customer service. - no annual fee -long Intro APR on balance transfers.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Low Interest , #1 Bal ...
Credit Needed:   Excellent
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
CCA In-House Review & more info
NFL Extra Points Credit Card
NFL Extra Points Credit Card

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Key Features: Earn 2 points on every dollar spend on NFL/Team purchases - Earn 1 point on all other purchases - Your team logo - FAIR credit ok


Intro Purchase Apr Regular Apr Ann.Fee
N/A 14.99% or 22.99%* Variable $0
Type: Reward, Points Rewards, C ...
Rank: #3 Points Rewards , #5 C ...
Credit Needed:   Fair to Excellent
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
  • All 32 team cards are available, customized with your favorite team's colors and logo
  • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops
  • Earn 1 point per $1 on all other purchases
  • Special Financing on all ticket purchases of $500 or more
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
  • Redeem points for cash back statement beginning at 2,500 points, VIP NFL experiences, game tickets and more
 
CCA In-House Review & more info
Discover it® for Students with $20 Cashback Bonus
Discover it® for Students with $20 Cashback Bonus

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Key Features: Requires only fair credit - good cash back terms - flexible and human


Intro Purchase Apr Regular Apr Ann.Fee
N/A 12.99%-21.99% Variable* $0
Type: Student, Credit Quality F ...
Rank: #1 Student , #1 No Credi ...
Credit Needed:   Fair
  • Experience our cash rewards with $20 Cashback Bonus® after you make your first purchase within 3 months of approval.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases automatically.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Free FICO® Credit Score online and on monthly statements.*
  • Talk to a real person any time with 100% U.S.-based service.
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.
 
CCA In-House Review & more info
Simmons First Visa Platinum
Simmons First Visa Platinum

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Key Features: GREAT regular apr - no annual fee card with platinum benefits.


Intro Purchase Apr Regular Apr Ann.Fee
N/A 7.25% (Variable) $0
Type: Visa Low APR, Low Interes ...
Rank: #1 Visa Low APR, #3 Visa ...
Credit Needed:   Excellent
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee
 
CCA In-House Review & more info
The Priceline Rewards™ Visa® Card
The Priceline Rewards™ Visa® Card

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Intro Purchase Apr Regular Apr Ann.Fee
0% 14.99% or 21.99% (Variable) $0
Type: Reward, Points Rewards, C ...
Rank: #1 Visa, #6 Points Rewar ...
Credit Needed:   Excellent
  • Earn 5,000 bonus points after your first purchase
  • Earn 5X points on Priceline.com purchases
  • Earn 1 point on everything else
  • Plus, earn an additional 5,000 bonus points after spending $1,000 on qualifying transactions in the first 90 days of account opening
  • Your points can act like cash - Redeem points for statement credits against purchases made on your account
  • No limit to the number of points you can earn
  • Please see terms and conditions for complete details
 
CCA In-House Review & more info
Discover it® chrome
Discover it® chrome

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Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 No Annual Fee , #3 Ga ...
Credit Needed:   Excellent
  • 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%.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
 
CCA In-House Review & more info
Barclaycard Arrival™ World MasterCard®
Barclaycard Arrival™ World MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
0% 14.99% or 18.99%* (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #1 No Foreign Transactio ...
Credit Needed:   Excellent
  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard Arrival cardmembers
 
CCA In-House Review & more info
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This makes the cards ideal for use in emergencies only, as they can be put away in a drawer or other safe place without you having to worry that you will be missing any payments or building up fees.

However, there are a number of different kinds of no annual fee credit cards that you may have available to you, and as such, it is important that you familiarize yourself with each.

Introductory cards

These cards are those that typically boast very good rates in the first six, 12 or even 18 months the account is open. Some might have low interest rates during this period in addition to waiving the annual fee for the first year the account is open. Others along the same lines might be rewards credit cards.

However, you will have to be careful when opening such an account, as you will need to make sure you know the size of the ongoing annual fee once that period ends, and do some math to make sure it will work well within your personal financial plan.

Ongoing no annual fee cards

These are cards that, as the name implies, will never have an annual fee charged to your account, and that may sound like a great value, but as with introductory cards, you should closely review the terms of the agreement to see if this is the best credit card for you.

That is because in many cases lenders will offset the revenues lost to the lack of an annual fee by giving you a higher interest rate on the account for general purchases.

What to think about

If you have got your heart set on opening a new no annual fee credit card, you should take the time to do some math based on your credit experiences in the past. In fact, whenever you apply for credit cards, it is important to think about all your past spending habits.

If, for instance, you are the type of person who regularly spends very little on their credit cards, and usually keep balances low enough that they can be paid off in full at the end of every month, a no annual fee credit card can be extremely beneficial. It will give you a significant amount of spending flexibility without costing you any more than you spend on it in a given year.

However, if you do usually carry a balance over from one month to the next, the higher interest rate might offset the savings you would have otherwise enjoyed from not paying a fee every year. For this reason, you might need to do some math to figure out if the amount you would pay in interest charges - based on past borrowing experiences - would be larger than the annual fee you are no longer paying.

If so, you might want to think about a different kind of card instead, like a low-interest credit card, a balance transfer transfer credit card or try to change your borrowing habits to make them work better with the terms of a no annual fee card.

Low APR credit cards versus balance transfer cards

If you only need to save money on future purchases, a low interest credit card should suffice. If you are already carrying a high-interest balance on an existing credit card, a balance transfer credit card might enable you to pay off the existing card and transfer the debt to the new card at a low or even 0% APR.

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