Home | Education Center | Calculators | About | Contact
Compare the Best Credit Card Offers Credit Card Application
Search Credit Card Offers by Category
0% APR CREDIT CARDS
0% APR BALANCE TRANSFERS
CASH BACK CREDIT CARDS
REWARD CREDIT CARDS
OUR BEST CREDIT CARD OFFERS
LOW INTEREST CREDIT CARDS
AIRLINE CREDIT CARDS
VISA CREDIT CARDS
MASTERCARD OFFERS
BUSINESS CREDIT CARDS
FOR AVERAGE CREDIT
BAD CREDIT CREDIT CARDS
STUDENT CREDIT CARDS
CREDIT SCORES/REPORTS
NO FOREIGN TRANSACTION FEE
Information about Online Credit Card Applications
Search Credit Card Offers by Company
CITI CREDIT CARDS
CAPITAL ONE CREDIT CARDS
CHASE CREDIT CARDS
BANK OF AMERICA CARDS
DISCOVER CREDIT CARDS
US BANK
BARCLAYCARD
USAA SAVINGS

Advertising Disclosure *Advertising Disclosure: SmartCreditChoices.com is an independent, advertising-supported comparison service. SmartCreditChoices.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartCreditChoices.com does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

 

NO ANNUAL FEE CREDIT CARDS

For most consumers, the best available credit cards charge no annual fees, provide 0% introductory rates for one year or more, and offer rewards such as cashback. Individuals with bad credit are often forced to pay high annual fees, as are people who want to earn airline specific rewards or participate in a high-end rewards program. Fortunately for the time being, consumers with good credit have a wide variety of no fee cards to choose from.

Below you will find information on no annual fee credit cards as well as links to secure online applications. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.

CHASE SLATE®



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 15 months*
0% for 15 months*
12.99%, 17.99%, or 22.99% (V)*
$0
Excellent/Good


Key Features
  • Best 0% Offer in 'Crowning 2013's Best Credit Card Offers' (January 14, 2013) -Forbes Online
  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee
VIEW ALL FEATURES

Additional Features
  • Best 0% Offer in 'Crowning 2013's Best Credit Card Offers' (January 14, 2013) -Forbes Online
  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee
Apply Now

CITI SIMPLICITY® CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 18 months*
0% for 18 months*
12.99% - 22.99%* (Variable)*
$0*
Excellent Credit


Key Features
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
VIEW ALL FEATURES

Additional Features
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
Apply Now

CHASE SAPPHIRE® CARD



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

N/A
N/A*
15.99% (Variable)*
$0
Excellent Credit


Key Features
  • 10,000 bonus points when you spend $500 on purchases in the first 3 months from account opening - that's $100 in travel rewards when you redeem through Chase Ultimate Rewards℠!
  • 2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on dining at restaurants and 1 point per dollar spent on all other purchases
  • Points never expire, and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • 24/7 direct access to dedicated customer service specialists
  • No Annual Fee!
VIEW ALL FEATURES

Additional Features
  • 10,000 bonus points when you spend $500 on purchases in the first 3 months from account opening - that's $100 in travel rewards when you redeem through Chase Ultimate Rewards℠!
  • 2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on dining at restaurants and 1 point per dollar spent on all other purchases
  • Points never expire, and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • 24/7 direct access to dedicated customer service specialists
  • No Annual Fee!
Apply Now

Page: 1

Choosing the Right No Annual Fee Credit Card

During tough economic times, credit card rewards are often the last thing on our minds. However, a good no annual fee rewards credit card can provide a lot of benefits. In general, the best credit card offers provide cashback as opposed to points or airline miles. With cashback credit cards, you generally earn between 1% to 5% cashback in various categories.

On the surface, this doesn't seem like much, but over the course of a year, cash back rewards do add up quickly. For example, if you charge $25,000 a year on gas, groceries, travel, and other personal expenses, you'll get a nice $250 check from a cash back credit card.

Aside from cash back rewards, you can also earn airline miles or points with a no annual fee rewards credit card. However, the value of points and miles is often less than 1% of what you spend. Plus, you often need to accumulate thousands of points to get a reward. Thus, in our opinion, the best no annual fee rewards credit cards are the ones that offer 0% interest rates and offer cash back rewards.

No Annual Fee Credit Card Reviews

Citi Platinum Select MasterCard: Consumers with good credit who want a low interest rate card that also comes with very long 0% introductory rates will find the Citi Platinum Select Card to be a good fit. While you won't be able to rack up rewards, this card can save you money in other ways. Full Review

 

Resources: Credit Card Education Center | Credit Card Calculators | SCC Blog | Terms and Conditions/Disclosures | Privacy Policy/California Privacy Rights | About | Home

Government Resources: CARD Act Consumer Protections | Federal Trade Commission | Consumer Financial Protection Bureau

*Advertising Disclosure: SmartCreditChoices.com is an independent, advertising-supported comparison service. SmartCreditChoices.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartCreditChoices.com does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

Editorial Note: This content is not provided by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

© 2014 SmartCreditChoices.com. All rights reserved.