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 9.15% - 26.15% variable Regular APR on purchases, balance transfers and convenience checks None Be the first to write one

Petal Visa Credit Card

  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • $500 - $10,000 credit limits
  • No credit history necessary for approval
  • Build credit by using responsibly. Petal reports to all 3 major credit bureaus
  • Petal's mobile app makes it effortless to manage your money, track your spending, and build credit without thinking much about it
  • See if you're pre-approved within minutes without impacting your credit score
  • No deposits required
  • Card issued by WebBank, member FDIC
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Limited Credit, Fair Credit Consumer $0 N/A N/A 15.24 - 26.24% Variable None Be the first to write one

Amazon.com Store Card

  • Upon approval you will be instantly upgraded to the Amazon Prime Store Card*
  • 5% Back Every Day on Amazon.com purchases as a statement credit*
  • Earn unlimited 5% Back*
  • No Annual Fee*
  • A $40 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your application*
  • Instant Credit Decision
  • Apply now and get a response in as little as 15 seconds. Once approved, you can immediately make purchases. Shipping to a new address? Update your Address Book before applying.*
  • Zero Fraud Liability
  • You are protected from any unauthorized charges on your Store Card account.*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Above Average Credit Consumer $0* N/A N/A 27.49% (Variable)* Cash Back 2

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

TJX Rewards® Credit Card

  • Enjoy 10% off* your first online or in-store purchase
  • Earn a $10 rewards certificate for every $200 spent at our family of stores*
  • Download our new app - Manage your TJX Rewards anywhere, anytime!
  • Find easy ways to: Pay your bill, manage your TJX Rewards Certificates
  • Upload and redeem gift cards
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)* Store Be the first to write one

BankAmericard® Credit Card

  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 15.24% - 25.24% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
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 billing cycles for balance transfers made in the first 60 days* N/A 12.99% - 22.99% Variable APR on purchases and balance transfers None 1

Capital One® VentureOne® Rewards Credit Card

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don't expire and there's no limit to how many you can earn
  • See additional Capital One® VentureOne® Rewards Credit Card details
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 12.49% - 22.49% (Variable) Airlines 6

Bank of America® Cash Rewards Credit Card

  • No annual fee
  • $200 online cash rewards bonus after you spend at least $500 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
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.49% - 25.49% 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 Be the first to write one

The Amex EveryDay® Credit Card from American Express

  • Earn 15,000 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 15.24% to 26.24%.
  • $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.
  • 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% on balance transfers for 15 months 0% on purchases for 15 months 14.99%-25.99% Variable Other Be the first to write one
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