Credit Cards With No Annual Fee


Among the exceptionally wide variety of credit card bonuses, rewards programs and introductory offers featured by the growing selection of online credit card applications available to consumers and small businesses available today, it can seem almost overwhelming at times to narrow down a new credit card offer or application based on the crucial, key factors that are truly most important to you. Below, we've compiled an up to date list of the cards with the best overall quality and assortment of additional conveniences for those that wish to base their next credit card application around a complete absence of annual fees that can often prove to be more costly than you might expect.

In addition to the cards below featuring no annual fees for those approved, you can shop for your selection of credit card based on the most noteworthy rewards programs, bonuses, introductory APR, and more to ensure that your choice of No Annual Fee credit card application ends up being an exceptionally well rounded investment that you can rest easy upon qualifying for. Not satisfied with your run of the mill no annual fee credit card? Check out our featured credit card offers below for the best no annual fee packages that also feature the best limited time rewards and overall packages that we could find.

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HSBC Cash Rewards Mastercard® credit card

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.49%, 18.49% or 24.49% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 0% Intro APR for 15 months N/A Variable APR of 14.49%, 18.49% or 24.49% Cash Back Be the first to write one

HSBC Gold Mastercard® credit card

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.49%, 16.49% or 20.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 0% Intro APR for 18 months 0% Intro APR for 18 months Variable APR of 12.49%, 16.49% or 20.49% None Be the first to write one

Gold Delta SkyMiles® Credit Card from American Express

  • Earn 30,000 Bonus Miles after spending $1,000 in purchases in the first 3 months and a $50 statement credit after making a Delta purchase in the first 3 months with your new Card.
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 introductory annual fee for the first year, then $95. N/A N/A 17.24%-26.24% Variable Airlines Be the first to write one

USAA Rewards™ Visa Signature® Card

  • Earn 2X points for every dollar spent on gas and dining
  • Earn 1X point for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase.
  • No expiration date on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel or donate to your favorite military affiliate group.
  • Redeem for cash on your mobile device.
  • USAA membership is available to active and former military and their eligible family members.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 None N/A 11.40% - 27.40% Variable APR on purchases, balance transfers and convenience checks Flexible Options Be the first to write one

USAA® Preferred Cash Rewards Visa Signature® Card

  • Earn 1.5% cash back on every purchase with no limits or category restrictions.
  • Pay no annual fee, no penalty APR and no foreign transaction fees.
  • Redeem your rewards anytime online or with the USAA Mobile App.
  • USAA membership is available to active and former military and their eligible family members.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Excellent Credit Consumer $0 None N/A 13.40% - 27.40% Variable APR on purchases, balance transfers and convenience checks Cash Back Be the first to write one

Barclaycard Ring™ Mastercard®

  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 N/A N/A 10.49% Variable None Be the first to write one

USAA Rewards™ American Express® Card

  • Earn 3X points per dollar spent on dining.
  • Earn 2X points per dollar spent on gas and groceries.
  • Earn 1X point for every dollar spent on all other purchases.
  • Get 2,500 bonus points with your first purchase.
  • There's no expiration date on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel or donate to your favorite military affiliate group.
  • USAA membership is available to active and former military and their eligible family members 
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 None N/A 11.40% - 27.40% Variable APR on purchases, balance transfers and onvenience checks Flexible Options Be the first to write one
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