Credit Card Applications
Find Your Best Credit Cards
Apply Online - Results in Minutes
visa credit card applications master credit card applications american Express credit card applications discover credit card applications
Facebook  Twitter Google+
Show Me the Greatest Credit Cards

Best Credit Cards
Credit Card Search Engine
Credit Card TypesBalance TransferBalance Transfer CalculatorLow Interest0% credit cardsRewards Credit Cards     Airline Rewards    Cash Back     Gas Rewards     Points Rewards     Hotel RewardsNo Annual Fee Business Credit Cards     No Fee BusinessStudent Cards Limited or No Credit HistoryInstant Approval Cards    Prepaid Cards
Credit TypeExcellentGoodFair / AveragePoorBad
Card IssuersAmerican ExpressCapital OneCiti BankDiscoverMasterCardVisa
Featured Holiday Cards
News & Information
 
compare best credit cards

CONTACT US
Name:  

Email:  

 

Phone: 800-486-6862

 
Legacy Articles
 

No annual fee credit cards

  • APR:10.9% - 18.9% (V)
  • Annual Fees:$0
Apply Now
Key Features: No annual fee - 0% intro APR on balance transfers until July 2015 - Roadside assistance - fraud liability and more.....

Our #1 priority is finding Your Best Credit Card Applications!

Get Your best no fee credit card - compare several offers before you apply.

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...

 
Page: 1 of 7
Capital One® Platinum Prestige Credit Card
Capital One® Platinum Prestige Credit Card

see credit card application

Key Features: No annual fee - 0% intro APR on balance transfers until July 2015 - Roadside assistance - fraud liability and more.....


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.9% - 18.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #2 Low Interest , #2 Mas ...
Credit Needed:   Excellent/Good
  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
 
CCA In-House Review & more info
Discover it®
Discover it®

see credit card application

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 Gas Cards, #2 Cash Ba ...
Credit Needed:   Excellent
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
 
CCA In-House Review & more info
Barclaycard® Rewards MasterCard® - Average Credit
Barclaycard® Rewards MasterCard® - Average Credit

see credit card application

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: #2 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.
 
CCA In-House Review & more info
Discover it®
Discover it®

see credit card application

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
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 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%.
  • * Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
 
CCA In-House Review & more info
Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card

see credit card application

Key Features: Unlimited 1.5% cash back on every purchase, every day - simple to use - easy to redeem.


Intro Purchase Apr Regular Apr Ann.Fee
0% 12.9% - 22.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Cash Back , #2 Gas Ca ...
Credit Needed:   Excellent/Good
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
 
CCA In-House Review & more info
NFL Extra Points Credit Card
NFL Extra Points Credit Card

see credit card application

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: #4 Cash Back , #5 Points ...
Credit Needed:   Good to Excellent
  • Earn 10,000 bonus points after $500 in purchases, redeemable for $100 cash back statement credit
  • No annual fee
  • All 32 teams or the NFL Shield card plastic are available
  • Earn 2 points per $1 spent on NFL or team purchases in-stadium and at the Pro Shop and 1 point per $1 on all other purchases
  • No limit to the points you can earn
  • Redeem points for VIP NFL experiences, game tickets or cash back statement credits on travel or any other purchase of $25 or more
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
 
CCA In-House Review & more info
Discover it® for Students with $20 Cashback Bonus
Discover it® for Students with $20 Cashback Bonus

see credit card application

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 , #3 Discover ...
Credit Needed:   Fair
  • Fair. 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.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.*
  • *Click "Apply" to see rates, rewards and other information.
 
CCA In-House Review & more info
Capital One® VentureOne® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card

see credit card application

Key Features: - ZERO percent Intro apr on purchases until April 2015 - 1.25 miles for every dollar spent - No limits on miles earned.. - No expiration of miles.


Intro Purchase Apr Regular Apr Ann.Fee
0% 11.9% - 19.9% (V) $0
Type: Low Interest, 0% APR, Rew ...
Rank: #1 Credit Quality Good, ...
Credit Needed:   Excellent/Good
  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want—no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn
 
CCA In-House Review & more info
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card

see credit card application

Key Features: Lowest price feature - 24/7 concierge help - no annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
0%* 11.99%-21.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #3 Citi , #7 MasterCard, ...
Credit Needed:   Excellent
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
 
CCA In-House Review & more info
Page: 1 of 7

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.

Thanks for applying for Your credit card at CreditCardApplications.com.

We find the best Credit Card Application for Your needs!

Compare more credit card offers