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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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Barclaycard® Rewards MasterCard®
Barclaycard® Rewards MasterCard®

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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, Top 10 Best Cr ...
Rank: #1 Gas Cards, #1 Top 10 ...
Credit Needed:   Fair
  • 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 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® Credit 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
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: #2 Cash Back , #3 Barcla ...
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
 
CCA In-House Review & more info
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, #2 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 Carnival™ MasterCard®
The Carnival™ MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 13.99%, 16.99% or 20.99%* (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Reward , #1 Balance T ...
Credit Needed:   Excellent
  • 0% Intro APR for 15 months for each Balance Transfer made within 45 days of account opening and a variable rate of 13.99%, 16.99% or 20.99% APR thereafter, depending on creditworthiness
  • Earn 5,000 bonus points when you use your card for the first time
  • Earn Double points on any Carnival™ purchase
  • Earn 1 point per $1 spent everywhere else
  • Redeem points for cruises on Carnival™ or other eligible World's Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
  • No Annual Fee
  • Please see terms and conditions for complete details
 
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

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A $9.95 monthly fee
Type: Prepaid & Debit Cards, Ca ...
Rank: #1 No Credit History, #2 ...
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
Barclaycard® Ring MasterCard®
Barclaycard® Ring MasterCard®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 8.00% (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Low Interest , #2 Bar ...
Credit Needed:   Excellent
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • 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
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 Cash Back , #2 Credit ...
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.
 
CCA In-House Review & more info
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 9.99% - 23.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #1 0% APR , #1 Visa, #3 ...
Credit Needed:   Excellent
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
 
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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