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No Annual Fee Credit Cards
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A credit card with no annual fee is a nice feature. We do however encourage you to read the fine print in the disclosures. A small percentage of cards may have special terms to avoid an annual fee, such as minimum spending requirements, or first year fee-free cards.

 

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American Express® Gold Card

  • Access to Exclusive Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection
  • Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite merchants
  • Get discounts and low rates at hotels and resorts, plus a $75 hotel credit when you book through Gold Hotel Collection
  • $0 introductory annual fee for the first year, then $125
  • Terms and Restrictions Apply

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
ExcellentConsumerIntroductory annual fee of $0 for the first year, then $125N/AN/AN/ASee Terms*Airlines12



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Citi Simplicity® Card

  • 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.

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
ExcellentConsumer$0*0.00% for 18 Months*0.00% for 18 Months*12.99% - 21.99%* (Variable)23 DaysNone1



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Old Navy Credit Card

Get rewarded every time you shop with your Old Navy card or Old Navy VISA card.


  • 5 points per $1 spent at Old Navy, GAP, Banana Republic, Piperlime, and Athleta
  • 1 point per $1 spent everywhere else VISA credit cards are accepted
  • $5 Reward Card for every 500 points earned

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
FairConsumer$0*N/AN/A24.99% (Variable)*26 DaysStore12



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U.S. Bank FlexPerks® Travel Rewards Visa Signature® card

  • Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • $0 Annual Fee* the first year, after that $49*
  • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
Good, Above AverageConsumer$0 1st year, then $490.00% for 12 Billing Cycles*0.00% for 12 Billing Cycles*13.99%-23.99% (Variable)24 DaysAirlinesBe the first to write one



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NFL Extra Points Credit Card

  • All 32 teams and NFL Shield card available
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
Good, ExcellentConsumer$00.00% for 12 Billing Cycles*0.00% for 12 Billing Cycles*13.74% - 22.74% (Variable)See Terms*Cash Back2



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Kay Jewelers® Credit Card

Become a Kay® Cardholder today. Applying is quick, simple and safe.


  • Apply instantly and shop today!
  • No Annual Fee
  • Use your card on kay.com or at any Kay Jewelers

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
PoorConsumer$0*N/AN/A24.99% (Variable)*25 DaysNone38



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JCPenney Card®


  • Save 20% when you open an account today
  • Earn up to $30 in JCP Rewards* each month with Platinum status* and qualifying purchases
  • 25% more points when you shop with your JCP Rewards credit card

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
PoorConsumer$0*N/AN/A26.99%*23 DaysStore57



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Wal-Mart® Credit Card


  • Up to $100 cash advance when you make a purchase*
  • Save 3 cents per gallon at participating Wal-Mart gas stations*
  • No annual fee
  • $0 fraud liability

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
FairConsumer$0*N/AN/A22.90% (Variable)*23 DaysNone86



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Fingerhut Credit® Account


  • Get the things you want at low monthly payments with Fingerhut Credit!
  • Why Fingerhut Credit?
  • No down payments, no layaway, no surprises
  • Affordable monthly payments
  • We often say "Yes!" when others say "No".
  • The Fingerhut Credit Account is offered to US residents by MetaBank, a federally chartered savings association and FDIC member located in Sioux Falls, SD, who determines eligibility and qualifications for the terms of credit.
  • *If you apply and are accepted for a Fingerhut Credit Account issued by MetaBank, who determines eligibility and qualifications for the terms of credit.

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
Poor, LimitedConsumer$0*N/AN/A24.90% (Variable)*25 DaysStore25



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Starwood Preferred Guest® Credit Card from American Express

  • Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
  • That's enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel
  • Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates
  • Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
  • Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
  • No limits on the number of Starpoints you can earn
  • $0 introductory annual fee for the first year, then $65
  • Terms and Restrictions apply.

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
ExcellentConsumer$0 introductory annual fee for the first year, then $65NoneNone15.24% - 19.24% variable20 DaysHotels4



 

 

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* Please see the credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty.

 



 

 

 

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