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No annual fee credit cards


  • APR: 10.99%
  • Annual Fee: $0

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

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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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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%, 19.99% or 24.99%* Variable $0
Type: Reward, Points Rewards, C ...
Rank: #1 Barclaycard, #2 No An ...
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
  • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, based on your credit worthiness
  • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
  • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
  • All 32 team cards are available, customized with your favorite team's colors and logo
  • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that a variable APR, currently 14.99%, 19.99% or 24.99%, based on your creditworthiness
 
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Simmons Bank Visa® Platinum
Simmons Bank 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, #1 Low ...
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
 
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U.S. Bank FlexPerks® Select+ American Express® Card
U.S. Bank FlexPerks® Select+ American Express® Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 13.99% - 23.99%* (Variable) $0
Type: Balance Transfer, 0% APR, ...
Rank: #1 Balance Transfer , #1 ...
Credit Needed:   Excellent
  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.
  • Travel Advisor Fee: $25
 
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U.S. Bank Perks+ Visa Signature Card®
U.S. Bank Perks+ Visa Signature Card®

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Intro Purchase Apr Regular Apr Ann.Fee
0%* 11.99% - 21.99%* (Variable) $0*
Type: Cash Back
Rank:
Credit Needed:   Excellent
  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 21.99%.
  • Earn 2X points on Gas and Grocery net purchases for the first 12 months
  • Earn 1 point for every dollar spent on everything else.
  • Redeem for rewards you want — Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, and 5,000 points for cash back.
  • Additionally, 25,000 points may be redeemed for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • No annual fee.
 
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USAA Cash Rewards® American Express® Card
USAA Cash Rewards® American Express® Card

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Low Interest, Rewar ...
Rank: #1 USAA Savings, #3 USAA ...
Credit Needed:   Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No annual fee and no minimum finance charge.
 
CCA In-House Review & more info
Account Now Gold Visa® Prepaid Card
Account Now Gold Visa® Prepaid Card

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Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A up to $9.95 monthly fee
Type: Instant Approval, Prepaid ...
Rank: #1 Instant Approval , #2 ...
Credit Needed:   No Check
  • Best Way to Get your Tax Refund Fast! Choose E-file and use your AccountNow Card Account to Direct Deposit your Tax Refund! Fast, Easy, Safe and Secure.
  • Get Paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval* - upon successful ID verification. No Credit check.∞ No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
 
CCA In-House Review & more info
Brink's Money Prepaid MasterCard®
Brink®' />

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Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A Variable Monthly Fees
Type: Cards for Bad Credit
Rank:
Credit Needed:   No Check
  • Trust Brink's with your money. Securing cash and valuables since 1859.
  • Get paid up to 2 days faster with Direct Deposit.
  • Access your money whenever, wherever you are. Use your mobile phone and online Account Center to check your balance, send money, find reload/ATM locations and much more.
  • Let Alerts help you stay connected to your money. Know when your card is used, direct deposit arrives, transaction details and your available balance.
  • Shop securely Online with a Virtual Account so you don't have to use your card number.
  • Add extra protection for shopping in stores by putting your photo on your card.
  • Earn Cash Back via the PayBack Rewards program from restaurants, shops and more.
  • $10 Purchase Cushion When You're A Little Short.
 
CCA In-House Review & more info
NetSpend® Visa® Prepaid Card
NetSpend® Visa® Prepaid Card

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Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A $9.95 monthly fee
Type: Prepaid & Debit Cards, Ca ...
Rank: #1 Limited or No Credit ...
Credit Needed:   No Check
  • Get Your paycheck and tax refund faster with direct deposit
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.
 
CCA In-House Review & more info
PayPal™ Prepaid MasterCard®
PayPal™ Prepaid MasterCard®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A $4.95 monthly fee
Type: Prepaid & Debit Cards, Ca ...
Rank: #1 Prepaid & Debit Cards ...
Credit Needed:   No Check
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Use free direct deposit and get your paychecks and tax refund faster!
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • No credit check, overdraft fees or interest charges.
  • Safer than carrying cash - use it to pay for everyday purchases.
 
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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