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.
Earn $100 cash back after $500 in purchases within the first 3 months of account opening
Earn 5% cash back this quarter and every quarter on changing categories like home improvement, travel and more
Earn 1% cash back on all other purchases.
0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
No Annual Fee*
Click Apply Now to see pricing details
Intro APR on Purchases
Intro APR on Transfers
0% for 12 months*
0% for 12 months*
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
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*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.
Disclaimer: This content is not provided or commissioned 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. This site may be compensated through the credit card issuer Affiliate Program.