No Annual Fee Credit Cards

Apply Now

Rewards Rate 1

1.25 Miles per dollar on every purchase, every day

Balance Transfer Fee

$0 at this Transfer APR

Annual Fee

$0

Credit Recommended:
Good

on Capital One® secure website.

Regular APR

28.49% (Variable)

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Credit Recommended Good/Excellent
0%
  • $0 annual fee and no foreign transaction fees
  • Earn 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
Show/Hide Details

Apply Now

Credit Line

Earn 1.5% cashback rewards on all of your eligible purchases

Annual Fee

$0

Foreign Trans Fee

$0

Credit Recommended:
Excellent, Good, Fair, Average

on Sutton Bank, Member FDIC secure website.

Regular APR

14.99% – 29.99% APR

Balance Transfer Fee

N/A

Credit Recommended Good/Excellent
0%
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

Show/Hide Details

Apply Now

Editor's Rating: 4.7
4.7/5

Intro (Purchases)

0% Intro APR on Purchases 15 months

Intro Rewards Bonus

Up to $300 cash back

Foreign Trans Fee

$0

Credit Recommended (660-850): Good/Excellent

on Chase secure website.

Intro (Transfers)

0% Intro APR on Balance Transfers 15 months

Regular APR

18.74% – 27.49% Variable

Credit Recommended Good/Excellent
0%
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% – 27.49%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Show/Hide Details

Apply Now

Editor's Rating: 4.8
4.7/5

Rewards Rate 1

3% Cash Back on dining and entertainment

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Balance Transfer Fee

$0 at this Transfer APR

Credit Recommended:
Good, Excellent (660-850)

on issuer’s secure website.

Regular APR

28.49% (Variable)

Annual Fee

$0

Credit Recommended Good/Excellent
0%
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards
  • Cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • No foreign transaction fee
  • No annual fee
  • You’re covered by $0 Fraud Liability if your card is ever lost or stolen
Show/Hide Details

Apply Now

Intro (Purchases)

0% for 12 Months

Annual Fee

$0

Regular APR

18.74% to 28.74% variable purchase APR based on creditworthiness. Rates as of 12/1/2022

Credit Recommended:
Good, Excellent (660-850)

on issuer’s secure website.

Balance Transfer

18.74% to 28.74% variable purchase APR based on creditworthiness. Rates as of 12/1/2022

Cash Advance APR

29.99%

Credit Recommended Good/Excellent
0%
  • The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
  • Get 15,000 bonus points after you spend $1,000 in your first three months.*
  • Earn unlimited 7x total points with GM.*
  • Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
  • 0% intro APR on purchases for the first 12 months, then a variable APR of 18.74% to 28.74%.*
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
  • See if you’re approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
Show/Hide Details

Apply Now

Intro (Purchases)

0% 15 months Purchases and Balance Transfers

Intro (Transfers)

0% 15 months Purchases and Balance Transfers

Regular APR

17.74% – 27.74% (Variable)

Credit Recommended (660-850): Good/Excellent

on issuer’s secure website.

Annual Fee

$0

Cash Advance APR

28.99% (Variable)

Credit Recommended Good/Excellent
0%
  • Earn 1.5% cashback rewards on all of your eligible purchases!
  • Reports to all three major credit bureaus
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
Show/Hide Details

Apply Now

Rewards Rate

1% unlimited cash back

Intro Purchase APR

0% Intro APR on Purchases for 6 months

Annual Fee

$0

Credit Recommended:
Fair/Good

on Celtic Bank secure website.

Foreign Trans Fee

$0

Regular APR

18.99% – 28.99%

Late Payment Fee

Up to $39

  • Revvi active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Fast and easy application; response provided in seconds
  • $300 credit limit (subject to available credit)
  • Build your credit score with on-time payments and keeping your balance below the credit limit
  • Opportunity to request credit limit increase after twelve months, fee applies
  • Checking account required
  • Reports monthly to all three major credit bureaus
  • Manageable monthly payments
  • Perfect credit not required
  • Easy-to-use mobile app for management on the go!
  • *See rates, fees, costs & limitations, and rewards for complete offer and Revvi Rewards details^^
Show/Hide Details

Apply Now

Balance Transfer Fee

$0 at this Transfer APR

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Credit Recommended

$200 bonus

Credit Recommended:
Average, Fair, Limited

on issuer’s secure website.

Annual Fee

$0

Foreign Trans Fee

None

Regular APR

28.49% (Variable)

  • No annual or hidden fees. See if you’re approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
  • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
Show/Hide Details

Apply Now

Regular APR

23.74% – 33.24% Variable

Credit Recommended

Fair/Bad/Limited/No Credit

Credit Limit

$300 – $5,000

Credit Recommended:
Fair/Bad/Limited/No Credit

on the issuer’s secure website.

Late Payment Fee

Late fees up to $29 for first late payment, $40 for second late payment.

Intro Rate

N/A

Intro Period

N/A

  • $0 Annual Fee
  • Variable APRs range from 23.74% – 33.24%
  • $300 – $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2% – 10% cash back at select merchants
  • See if you’re pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Show/Hide Details

Apply Now

Editor's Rating: 4.8
4.8/5

Intro (Purchases)

0% Intro APR on Purchases 18 months

Intro (Transfers)

0% Intro APR on Balance Transfers 18 months

Annual Fee

$0

Credit Recommended:
Good/Excellent

on Chase secure website.

Intro Rewards Bonus

N/A

Regular APR

18.74% – 27.49% Variable

Product Type

Consumer Card

  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 18.74% – 27.49% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee – You won’t have to pay an annual fee for all the great features that come with your Slate Edge℠ card
  • Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Show/Hide Details

Apply Now

Annual Fee

$0

Foreign Trans Fee

$0

Regular APR

18.74% – 27.49% Variable

Credit Recommended:
Good/Excellent

on issuer’s secure website.

Intro (Purchases)

N/A

Intro (Transfers)

N/A

Credit Recommended Good/Excellent
0%
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
  • ‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
Show/Hide Details

Apply Now

Regular APR

Flex for Business Variable APR: 17.99% – 25.99%

Annual Fee

$195

Credit Recommended

Good/Excellent

Credit Recommended:
Good/Excellent

on issuer’s secure website.

Intro Rewards Bonus

Earn $1,000 bonus cash back

Intro Rate

See website for Details*

Intro Period

See website for Details*

  • Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
  • Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
  • Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
  • Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
  • Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
  • Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
  • There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Show/Hide Details

Apply Now

Regular APR

28.49% (Variable)

Balance Transfer Fee

$0 at this Transfer APR

Annual Fee

$0

Credit Recommended:
Limited, Bad

on Capital One® secure website.

Minimum Deposit

$200

Cash Advance APR

28.49% (Variable)

Credit Recommended Good/Excellent
0%
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Show/Hide Details

Apply Now

Regular APR

17.74% to 27.74% variable purchase APR based on creditworthiness. Rates as of 12/1/2022

Balance Transfer

N/A

Cash Advance APR

29.99%

Credit Recommended:
Excellent

on the issuer’s secure website.

Annual Fee

None

Intro Purchase APR

0%

Credit Recommended Good/Excellent
0%
  • Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle and no annual fee.*
  • Get $750 in Bonus Earnings towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 on purchases in your first 5 months from account opening.*
  • 0% Intro APR on purchases for the first 12 months, variable of 17.74% to 27.74% APR after.*
  • 5% in Earnings on GM dealership parts, accessories or service purchases.*
  • 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.*
  • No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.*
  • See if you’re approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
Show/Hide Details

Apply Now

Annual Fee

$0

Credit Recommended

Fair/Bad/Limited/No Credit

Credit Limit

$300 – $5,000

Credit Recommended:
Fair/Bad/Limited/No Credit

on WebBank secure website.

Late Payment Fee

Late fees up to $29 for first late payment, $40 for second late payment.

Intro Rate

N/A

Intro Period

N/A

  • $0 Annual Fee
  • Variable APRs range from 23.74% – 33.24%
  • $300 – $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2% – 10% cash back at select merchants
  • See if you’re pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Show/Hide Details

Apply Now

Rewards Rate 1

3% Cash Back on dining and entertainment

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Annual Fee

$0

Credit Recommended:
Average, Fair, Limited

on issuer’s secure website.

Purchase Grace Period

25 days

Regular APR

17.99% – 27.99% (Variable)

Credit Recommended Good/Excellent
0%
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Show/Hide Details

Apply Now

Rewards Rate 1

1% Cash Back on all purchases

Intro Rewards Bonus Value Description

None

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Credit Recommended:
Average, Fair, Limited

on issuer’s secure website.

Annual Fee

$0

Balance Transfer Fee

$0 at this Transfer APR

Foreign Trans Fee

None

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
  • Pick the monthly due date that works best for you
  • Pay for Amazon.com purchases using your Capital One rewards
  • Pay for online purchases with virtual card numbers and keep your actual card number to yourself
  • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
  • Build your credit with responsible card use
Show/Hide Details

No Annual Fee Credit Cards

With so many credit cards out there, it can be hard to decide which one is right for you. The best credit cards with no annual fee can help you earn rewards faster and manage your finances effectively, often at a lower cost to you.

Understanding Credit Cards With No Annual Fee

There are a few different fees some people may have to pay when they have a credit card. Credit card companies make most of their money charging interest, but some also charge an annual fee. This expense is a little like buying a ticket to keep using the card every year. What if you could get one for free? Since these costs can range from $25 to hundreds of dollars, avoiding the fee may mean more money in the bank for you. Many cards do not have that annual expense, so you might be better off looking at these first.

Benefits of Credit Cards Without Annual Fees

All kinds of credit cards offer rewards like cash back or points you can use toward travel or other purchases. You can often get access to these benefits whether or not the card has an annual fee. The main difference is that you do not have to try to balance those rewards with the money you have to pay just so you can use the card. When you know you will not get charged this fee every year (or every month, in some cases), you do not have to worry about remembering to pay it off before getting charged with a late fee or having it detract from the value of the rewards you might earn.

How to Compare the Best Credit Cards for Fair Credit With No Annual Fee

Credit cards are not created equal, so you still need to compare the other features before making a choice. Look at these aspects:

  • Annual interest rate, and whether it is fixed or variable
  • Balance transfer fees and rates
  • How much you earn in rewards, plus ways to redeem them
  • Late fees
  • Grace period before the company starts charging interest

By analyzing these terms, you can select the card that suits your financial goals.Credit cards can be a useful tool to build credit and get rewarded for spending money. Choosing one with no annual fee could allow you to enjoy those benefits faster.

*See online credit card application for details on the terms and conditions.