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® 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 6.90%* - 23.90% (Variable)* None Be the first to write one

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.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Above Average Credit Consumer $0* N/A N/A 25.99% Fixed* Store 59

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

TJX Rewards® credit card

  • Earn 5X points per dollar spent at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • Earn 1X point per dollar spent on all purchases
  • 10% off your first purchase in-store
  • Be the first to hear when fresh finds arrive through your email
  • There is no limit to the amount of rewards you can earn
  • $10 rewards certificate: redeem 1,000 points for a $10 rewards certificate
  • No annual or foreign transaction fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Limited Credit, Poor Credit Consumer $0* N/A N/A See Terms* Store Be the first to write one

Deserve EDU

  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Above Average Credit Student $0 N/A N/A 18.74% Variable Cash Back Be the first to write one

The Tire America Card

  • 24/7 Online Account Management
  • Flexible Payment Terms
  • $0 Liability On Unauthorized Purchases
  • Free Additional Cards & More!
  • 12 months special financing* on purchases of $600 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months
  • $50 Visa® Prepaid Card* By mail-in or online rebate with qualifying purchase of $499 or more made on the Tire America Credit Card
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Limited Credit, Poor Credit Consumer $0* N/A N/A 28.49% (Variable)* None Be the first to write one

Bank of America® Cash Rewards Credit Card

  • No annual fee
  • $200 online cash rewards bonus after you spend at least $1000 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • 0% Introductory APR for 15 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
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 12 billing cycles for balance transfers made in the first 60 days* N/A 13.99% - 23.99% Variable APR on purchases and balance transfers Cash Back 4

The Amex EveryDay® Credit Card from American Express

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 12.99% to 23.99%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 0% on balance transfers for 15 months 0% on purchases for 15 months 14.99%-25.99% Variable Other 1

Bank of America® Travel Rewards Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
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 15.99% - 23.99% Variable APR on purchases and balance transfers Travel 1
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