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NO ANNUAL FEE CREDIT CARDS
Although credit card companies have been raising rates and fees recently, many of the best credit cards still charge no annual fees, provide 0% introductory rates for up to 1 year, 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, people with good credit can still choose to not pay annual fees.
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.
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CITI® PLATINUM SELECT® MASTERCARD® |
 
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- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 12 Months*
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0% for 18 Months*
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11.99-19.99% Variable*
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None
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Good
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CAPITAL ONE® VENTUREONE(SM) REWARDS CREDIT CARD |
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- 1.25 miles per dollar on every purchase, every day
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- Use rewards for travel, merchandise, gift cards and more
- 0% intro APR on purchases until September 2011
- No foreign transaction fees
- No annual fee
- To apply online click the Apply Now button or call 1-866-960-8708
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% until September 2011*
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n/a
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13.9%(V)*
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None
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Excellent
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DISCOVER® MORE CARD |
MORE DETAILS HERE
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- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 6 Months*
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0% for 15 Months*
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11.99% - 20.99% (Variable)*
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None
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Good
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CAPITAL ONE® PLATINUM PRESTIGE CREDIT CARD |
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- 0% intro APR until September 2011 on balance transfers, processed in as little as 48 hours
- 0% intro APR until September 2011 on purchases
- Transfer your higher-rate balances
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- No annual fee
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% until 9/2011*
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0% until 9/2011*
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11.9% (V)*
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None
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Excellent
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CAPITAL ONE® NO HASSLE MILES(SM) REWARDS - GOOD CREDIT |
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- 1.25 miles for every dollar spent on purchases
- No limit on the miles you can earn and miles don't expire
- Redeem for Travel, Merchandise, Gift Cards and more
- No blackout dates and no seat restrictions
- Fly FREE on any airline to any destination
- 0% intro APR on purchases until September 2011
- No foreign transaction fees
- No annual fee
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% until 9/2011*
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n/a
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16.9%(V)*
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None
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Good
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DISCOVER® MORE CARD - $75 CASHBACK BONUS |
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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 6 Months*
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0% for 12 Months*
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11.99% - 20.99% (Variable)*
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None
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Good
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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. *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.
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