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No annual fee credit cards

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NFL Extra Points Credit Card
Click to see Credit Card details
  • Key Feature: Get Your Teams Logo.
    No annual Fee, Rewards, and 0% Intro APR
  • Purchase APR:13.74% - 22.74% (Variable)
  • Annual Fees:$0
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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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Capital One® Platinum Prestige Credit Card
Capital One® Platinum Prestige Credit Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 10.9% - 18.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #1 MasterCard, #2 Low In ...
Credit Needed:   Excellent
  • 0% intro APR until August 2014 on balance transfers
  • 0% intro APR until August 2014 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
 
CCA In-House Review & more info
Prepaid Visa® Baby Phat RushCard
Prepaid Visa® Baby Phat RushCard

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A Variable Monthly Fees
Type: Instant Approval, Prepaid ...
Rank: #1 Instant Approval , #1 ...
Credit Needed:   No Check
  • Real time activity alerts via text, email, and mobile app. *Standard text messaging rates from your wireless provider apply.
  • Easy Online Bill Pay - pay bills, rent, or write personal checks.
  • Free 24/7 customer service.
  • Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC.
  • Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
 
CCA In-House Review & more info
Simmons First Visa Platinum
Simmons First Visa Platinum

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 7.25% (Variable) $0
Type: Visa Low APR, Low Interes ...
Rank: #1 Visa Low APR, #14 Vis ...
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
Capital One® VentureOneSM Rewards Credit Card
Capital One® VentureOne<sup>SM</sup> Rewards Credit Card

see credit card application
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
  • 1.25 miles per dollar on every purchase, every day and no annual fee
  • One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
  • Redeem miles for airline tickets, hotel rooms, car rentals, and more
  • No limit on the miles you can earn and miles don't expire
  • Fly on any airline, any time with no blackout dates
  • 0% intro APR on purchases until May 2014
  • No foreign transaction fees
 
CCA In-House Review & more info
Citi Simplicity® Card
Citi Simplicity® Card

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Intro Purchase Apr Regular Apr Ann.Fee
0%* 12.99% - 21.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #1 Citi , #6 MasterCard, ...
Credit Needed:   Excellent
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
 
CCA In-House Review & more info
Discover it®
Discover it®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% (V)* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Cash Back , #1 Discov ...
Credit Needed:   Excellent
  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
 
CCA In-House Review & more info
Discover it®
Discover it®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% (V)* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Low Interest , #1 Bal ...
Credit Needed:   Excellent
  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
 
CCA In-House Review & more info
Capital One® Cash Rewards
Capital One® Cash Rewards

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 12.9% - 20.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Points Rewards , #3 C ...
Credit Needed:   Excellent
  • $100 bonus after you spend $500 on purchases within the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash back that doesn't expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until May 2014
 
CCA In-House Review & more info
Prepaid Visa® Classic RushCard
Prepaid Visa® Classic RushCard

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A N/A Variable Monthly Fees
Type: Instant Approval, Prepaid ...
Rank: #2 Instant Approval , #2 ...
Credit Needed:   No Check
  • Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
  • Choose from multiple fee plan options, and switch for free.
  • Transfer money to another RushCard member for just $0.99.
  • No overdraft fees.
  • Your money is covered by Visa Zero Liability protection. *Certain restrictions apply. See card site for details.
  • Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.
 
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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