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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Upgrade Cash Rewards Visa®

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • See Rates & Fees
** To qualify for the welcome bonus, you must... See More

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 N/A N/A 14.99% - 29.99% APR Cash Back 1

Upgrade Triple Cash Rewards Visa®

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
** To qualify for the welcome bonus, you must... See More

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit, Above Average Credit Consumer $0* N/A N/A 14.99% - 29.99% APR Cash Back Be the first to write one

Chime Spending Account and Visa® Debit Card

Chime® is a new award-winning mobile app designed to help people lead healthier financial lives and automate their savings. With Chime, you get a Chime Visa® Debit Card and an FDIC insured deposit account that can be managed entirely from your smartphone, plus a Savings Account that helps you save money without thinking about it.

  • Your deposits are insured up to $250,000 through The Bancorp Bank or Stride Bank; Member FDIC.
  • Visa's Zero-Liability Policy protects all unauthorized purchases.*
  • 60K+ fee-free ATMs at convenient locations like Walgreens, 7-Eleven, CVS and more
  • Real-time alerts for every banking transaction.
  • Automatic Savings takes the effort out of saving.
  • No minimum, monthly, or overdraft fees.˜
Disclocures: Chime is a financial tech... See More

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
N/A Debit $0** N/A** N/A** N/A** None Be the first to write one

AccountNow® Prepaid Mastercard®

  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check or ChexSystems check
  • Instant account number
  • Free† direct deposit — paycheck, benefit checks, tax refund checks
  • Easy 24/7 online account access
  • Earn Refer-a-Friend cash bonus
  • Use it everywhere Mastercard Debit card accepted

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit Debit up to $9.95 monthly fee N/A N/A N/A None 1

AccountNow® Prepaid Visa® Card

  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check. No Overdraft Fees, ever.
  • Free† direct deposit and online bill payment
  • Use it Everywhere Visa Debit Card Accepted in the U.S.
  • Easy Online/Mobile Account Access
  • Perfect for Occasional Usage

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit Debit $0 N/A N/A N/A None Be the first to write one

Revenued Business Card

  • Earn 3% cash back on every single card purchase
  • No monthly or annual fees while using your Revenued Business Card
  • No minimum credit score to get approved. Business revenue determines your spending availability
  • Earn $500 after spending $5,000 within your first 3 months of being a cardholder

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit, Good Credit Business $0* N/A N/A N/A* Cash Back Be the first to write one

Laurel Road Student Loan Cashback® Card

Introducing the first credit card that lets you redeem 2% cashback towards your student loans with 95% of U.S. servicers. Or, you can redeem 1% cashback towards anything else.

  • 0% Intro APR: No interest for the first 12 months on balance transfers made in the first 60 days.*
  • No Annual Fee† Take advantage of our $0 annual fee. Plus, no foreign transaction fees.
  • Flexible Cashback: 2% cashback towards eligible student loans, 1% cashback towards anything else.*
  • Extended Eligibility: The first card that lets you redeem cashback with 95% of student loan servicers.*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit, Above Average Credit Student $0* 0.00% for 12 monthly billing cycles* N/A 18.74%* - 27.74% (Variable)* Cash Back Be the first to write one

Masseys Credit

  • See if you are pre-qualified instantly, without affecting your credit score
  • Less than perfect credit is okay
  • Credit lines up to $500
  • Payments as low as $5.99 per month (subject to final credit approval)
  • Automatic reviews for credit line increase opportunities
  • Buy now, pay later! One stop shopping for name brand shoes, apparel and more!

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Fair Credit, Limited Credit Consumer $0* N/A N/A See Terms* None Be the first to write one

Kay Jewelers Credit Card

Express Your Love Your Way. Enjoy Zero Down Special Financing* on purchases of $300 or more with the KAY Jewelers Credit Card issued by Comenity Bank.

Nothing Should Get in the Way of Love. Use your KAY Jewelers Credit Card and select a Special Financing* plan that works best for you.

  • 6 Months Special Financing: $300 minimum purchase*
  • 12 Months Special Financing: $750 minimum purchase*
  • 18 Months Special Financing: $3000 minimum purchase*
  • 36 Months Special Financing: $1,500 minimum purchase*
  • Treat yourself to something wonderful during your birthday month with $100 off.*
  • Cardholder's Anniversary: Celebrate with a special offer, just for you with $100 off.*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Limited Credit Consumer $0* N/A N/A 29.99% (Variable)* None 41

The Home Depot® Credit Card

With low monthly payments and no annual fee, The Home Depot Consumer Credit Card is a great financial tool to get you started on your home improvement projects. Flexible payment plans and special deferred payment promotions make it even better.

  • 6 Months Financing* on purchases of $299 or more.
  • Up to 24 Months Financing* during special promotions.
  • 1 Year to Make Returns - 4X longer to make returns, just for being a cardmember. Refer to The Home Depot Returns Policy for details.
  • Zero liability on unauthorized charges.
  • Credit card limits based on creditworthiness.
  • Minimum payments required
  • Check to see if you pre-qualify without impacting your credit score.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit Consumer $0* N/A N/A 17.99%* - 26.99% (Variable)* None 15
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