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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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 points for every dollar spent on all other purchases
Get 2,500 bonus points with your first purchase
Redeem points for cash, merchandise, gift cards and more.
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	12.15% - 28.15% variable Regular APR on purchases, balance transfers and onvenience checks	Flexible Options	Be the first to write one

Indigo® Platinum Mastercard® Credit Card - Credit Card

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Indigo® Platinum Mastercard® Credit Card

Easy pre-qualification process with fast response
Less than perfect credit is okay
Online servicing available 24/7 at no additional cost
Unsecured credit card, no security deposit required
Account history is reported to the three major credit bureaus in the U.S.

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Fair Credit, Average Credit	Consumer	$0 - $99	N/A	N/A	24.9%	None	Be the first to write one

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USAA® Cashback Rewards Plus American Express® Card

Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
Earn 2% on your first $3,000 on supermarket purchases per year
Unlimited 1% cash back on all other purchases
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	14.15% - 28.15% variable Regular APR on purchases, balance transfers and convenience checks	Cash Back	Be the first to write one

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USAA® Rewards™ Visa Signature® Card

Earn 2X points per dollar spent on gas and dining with no cap
Earn 1X points for every dollar spent on all other purchases
Get 2,500 bonus points with your first purchase
Redeem points for cash, merchandise, gift cards and more.
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	12.15% - 28.15% variable Regular APR on purchases, balance transfers and convenience checks	Flexible Options	Be the first to write one

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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
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	14.15% - 28.15% variable Regular APR on purchases, balance transfers and convenience checks	Cash Back	Be the first to write one

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USAA® Rate Advantage Visa Platinum® Card

Enjoy USAA's lowest rate card
No annual fee, no foreign transaction fees, no penalty APR
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	9.15% - 26.15% variable Regular APR on purchases, balance transfers and convenience checks	None	Be the first to write one

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Target REDcard® Store Card

In-store. Online. Every time. Save 5% every day & get exclusive extras with REDcard. Some restrictions apply. See terms for REDcard benefits & program rules.

Debit card

Links to your existing checking account.
Cash withdrawal at checkout up to $40.
View transactions & manage your PIN at Target.com/myREDcard.

Credit card

Charge your Target purchases in-store & at Target.com.
Receive a monthly bill.
Check balance, make payments & review statements at Target.com/myREDcard.

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Good Credit, Fair Credit	Consumer	$0*	N/A	N/A	22.90% (Variable)*	Store	Be the first to write one

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JCPenney Credit Card®

Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases*
15% OFF* select apparel, shoes, accessories, fine jewelry, salon products, furniture & mattresses, home, and in-home custom design; or save 5% on select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches & Tempur-Pedic
Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more.