No Annual Fee Cards

Hate paying an annual fee to use your credit card? Check out our no annual fee credit cards below.

Many of these no annual fee credit cards even offer introductory rates as low as 0%, meaning you can have a "free" loan with your free card for an introductory period. A free credit card can even earn you rewards such as miles, cashback, merchandise, hotel stays, and more. Offered by Visa, MasterCard, American Express, and Discover.

Discover® More(SM) Card

  • Cashback Bonus
  • 0% Intro BT APR
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases
Balance Transfers		 $0 No

Capital One® Standard Platinum Card

credit cards for bad credit, capital one, no interest credit card
  • For People with Average Credit
  • 0% APR
  • No Annual Fee!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.55% $0 $0 Yes Fair Credit OK

Merrill+® Visa Card

high limit credit cards, merrill lynch visa rewards card
  • High Limit Credit Card
  • Miles, Travel, Cash Rewards
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a 12 mo. Balance Transfers $0 Yes

Blue from American Express®

amex blue credit card
  • Unsecure AMEX
  • 0% Intro APR
  • blueloot Rewards
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% Up to 15 mo. Purchases $0 Yes

Advanta Platinum with Rewards Business Credit Card

  • Up to 5% Cashback
  • 0% Intro APR
  • $50K Credit Line
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 15 mo. Balance Transfers $0 Yes

Citi® Platinum Select® MasterCard®

citi platinum select credit card reward card
  • 0% Intro APR
  • No Annual Fee
  • Online Account Mgmt
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% Up to 12 mo. Purchases
Balance Transfers		 $0 No

Blue Cash® from American Express®

amex blue cash cashback credit card
  • Cash Back
  • Unsecured AMEX
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% Up to 12 mo. Purchases
Balance Transfers		 $0 Yes

Discover ® Open Road (SM) Card

  • Full 5% Cashback Bonus!
  • 0% Intro APR
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% Up to 12 mo. Purchases
Balance Transfers		 $0 Yes

Discover® More (SM) Card - Sealife Collection

  • No annual fee
  • Up to 5% cashback
  • Great rewards program
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% Up to 12 mo. Purchases
Balance Transfers		 $0 No

Chase Flexible Rewards™ Platinum Visa®

chase flexible reward credit card
  • 1 Point per $!
  • No Annual Fee
  • Cash back, travel, and more
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases
Balance Transfers		 $0 Yes

Chase Free Cash RewardsSM Visa® Card

chase free cash cashback reward credit card
  • 1 point per $1
  • 0% Intro BT APR
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases
Balance Transfers		 $0 Yes

Chase PerfectCard™ MasterCard®

chase perfectcard reward credit card
  • Intro 6% rebate on gas purchases!
  • 0% introductory interest rate
  • No annual fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 6 mo. Balance Transfers $0 Yes

Chase Platinum Visa® Card

chase platinum visa credit card reward card
  • 0% intro APR for 12 months
  • Free travel services
  • Zero liability on unauthorized purchases
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases
Balance Transfers		 $0 Yes

Citi® Diamond Preferred® Rewards Credit Card

citi diamond preferred reward credit card
  • No annual fee
  • 0% Intro APR
  • Free Rewards Program
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a Up to 12 mo. Balance Transfers $0 Yes

The Citi CashReturns Card

citi cashreturns cashback credit card
  • Earn 1% cashback on everything
  • 20% Cash Bonus
  • Unlimited Cash
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% Up to 12 mo. Balance Transfers $0 Yes

Hilton Honors® Visa® Reward Credit Card

  • 15,000 Bonus Points
  • Low Intro APR
  • You will be considered for a Citi Hilton HHonors Gold card if you don't qualify for the signature card
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
2.99% 6 mo. Purchases
Balance Transfers		 $0 Yes

Hilton HHonors® Platinum Card from American Express®

amex hilton honors hotel platinum credit card rewards
  • No annual fee
  • Up to 20,000 in bonus points!
  • Up to 5 points per $
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
2.90% 6 mo. Purchases
Balance Transfers		 $0 Yes

Citi PremierPass® card

citi premierpass airline reward credit card
  • No annual fee
  • No blackout dates
  • Use miles on any airline!
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% Up to 12 mo. Balance Transfers $0 Yes

Capital One® Standard Platinum Credit Card for Students

capital one student credit card no credit
  • Limited Credit History OK
  • No Balance Transfer Fees
  • 0% Intro Rate
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.55% $0 $0 Yes Fair Credit OK

Discover® Student Clear Student Credit Card

  • No annual fee
  • Up to 5% cashback
  • 0% Intro APR
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
14.99% $0 $0 Yes Bad Credit OK

Discover® Student Credit Card

  • No Annual Fee
  • Up to 5% rebate
  • Online Bill Payment
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
14.99% $0 $0 Yes Bad Credit OK

Discover® Student Tropical Beach Student Credit Card

  • No annual fee
  • Up to 5% cashback
  • 0% Intro APR!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
14.99% $0 $0 Yes Bad Credit OK

The TrueEarnings Business Card from Costco and American Express

amex costco trueearnings business cash back
  • Full 5% rebate on gas
  • 3% rebate on eating out
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 3 mo. Purchases $0 Yes

Blue for Business Credit Card

amex blue for business rewards
  • Pay Over Time
  • 0% Intro APR
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% Up to 15 mo. Purchases $0 No

Blue Cash® for Business Credit Card

amex blue cash for business
  • 5% Cash Back
  • 0% Intro APR
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 6 mo. Purchases
Balance Transfers		 $0 Yes

Blue Sky® from American Express®

amex blue sky airline miles card
  • No annual fee
  • Redeem points for air, hotel, car, cruise
  • No blackout dates!
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% Up to 12 mo. Purchases $0 Yes

Capital One® No Hassle CashSM Rewards Credit Card
For People with Good Credit

capital one no hassle cash rewards cashback above average credit
  • No Limits on Cash Back
  • Request cash back whenever you want
  • Up to 2% cash back
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a Purchases $0 Yes

Capital One® No Hassle MilesSM Rewards Credit Card
For People with Good Credit

cap one no hassle miles reward credit card good credit
  • No Annual Fee
  • Earn 25% more than regular mileage cards
  • Fly free with as few as 15,000 miles!
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a Purchases $0 Yes

Capital One® Platinum Credit Card
For People with Good Credit

low interest rate credit card no annual fee capital one
  • No annual fee
  • Competitive Rate APR
  • No balance transfer fees
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a n/a $0 No

Capital One® Platinum Prestige

capital one platinum plus excellent credit low interest credit card
  • No Annual Fee
  • No BT Fees
  • Great Rates
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a n/a $0 No

The Platinum Business Credit Card

amex platinum business card
  • Pay Over Time
  • 0% Intro APR
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases
Balance Transfers		 $0 Yes

Platinum Business FreedomPass(SM) Credit Card

amex business freedompass
  • Automatic 5% Rebate
  • 1 point per $1
  • Redeem Points for Travel
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases
Balance Transfers		 $0 Yes

CitiBusiness® Card with ThankYou Network® Business Credit Card

CitiBusiness business credit card
  • 10,000 Bonus ThankYou Points
  • 0% Intro APR
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases $0 Yes

CitiBusiness® Card Business Credit Card

CitiBusiness business credit card
  • Low Purchase Rate
  • 0% Intro APR
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases
Balance Transfers		 $0 No

Discover Business Credit Card

  • 0% Intro APR
  • Up to 5% Cashback
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases
Balance Transfers		 $0 No

Discover® Business Miles Credit Card

discover business credit card small business miles
  • Earn Double Miles
  • No Blackout Dates
  • 0% Intro APR
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases
Balance Transfers		 $0 Yes

HSBC Union Plus® MasterCard®

hsbc union plus card no annual fee
  • No annual fee
  • Strike Payment Protection, up to 3 months!
  • Competitive interest rates
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
1.99% 6 mo. Balance Transfers
Purchases		 $0 Yes

The Prepaid Baby Phat Rushcard

prepaid baby phat rushcard
  • Everyone Approved*
  • No Hidden Fees
  • Access Your Money Anytime Anywhere!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $19.95 $0 No Bad Credit OK

The Prepaid Visa Rushcard

prepaid visa rushcard
  • Everyone Approved*
  • No Hidden Fees
  • Access Your Money Anytime Anywhere!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $19.95 $0 No Bad Credit OK

Citi Drivers Edge for College Student Credit Card

citi drivers edge student credit card
  • 0% Intro APR
  • No Annual Fee
  • Online Account Mgmt
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
14.99% $0 $0 Yes Bad Credit OK

Citi® Platinum Select® Visa® Card for College Students

citi platinum student credit card
  • Student Discounts
  • 0% Intro APR
  • No Annual Fee
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
12.99% $0 $0 Yes Bad Credit OK

Nectar Credit Card from American Express

uk amex nectar card
  • 1000 bonus Nectar points!
  • Up to 4 points per £
  • Low interest rate
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a n/a £0 Yes

AT&T Universal Citibank Reward Credit Card

  • Up to 10% off on AT&T services and products for 12 months
  • Up to 30 free phone minutes each month
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a Up to 12 mo. Balance Transfers $0 Yes

Chase BP Visa® Card

  • Up to 10% Cashback
  • 0% Intro BT APR
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 6 mo. Purchases
Balance Transfers		 $0 Yes

Reward Miles MasterCard: No Annual Fee from Capital One Canada

canadian no annual fee credit card rewards
  • No annual fee
  • Bonus miles with first purchase
  • Fraud protection and purchase assurance
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a n/a $0 Yes

Capital One Cashback with World MasterCard UK Credit Card
For People With Excellent Credit

uk credit card capital one cashback rewards good credit
  • Earn up to 4% cashback!
  • Free travel insurance
  • Quick online application
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a n/a £0 Yes

Capital One Platinum MasterCard UK Credit Card
For People With Excellent Credit

uk credit card capital one
  • 0% Interest until Nov 2009
  • Low APR
  • Low balance transfer handling fee
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% Until Oct 2009 Purchases
Balance Transfers		 £0 No

Capital One Classic Visa UK Credit Card
For People Who Want to Strengthen Their Credit Rating

uk credit card bad credit classic visa
  • Strengthen Credit Rating
  • Credit Increases
  • Identity Theft Protection
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
34.9% £0 £0 Yes Bad Credit OK

Provident Visa Card
UK Debit Card for those with bad credit ratings

uk provident visa card debit bad credit uk
  • Bad Credit OK
  • ATM Cash Access
  • Quick and easy online application
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a £0 £0 No Bad Credit OK

Sun Prepaid MasterCard®
UK Debit Card for those with bad credit ratings

uk sun prepaid mastercard bad credit uk residents
  • Bonus with first top-up
  • Bad Credit OK
  • Use at over 25 million locations worldwide!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a £0 £0 No Bad Credit OK

Vanquis Visa Card
UK Credit Card to repair bad credit

vanquis visa card credit card for bad credit
  • No Annual Fee
  • Bad Credit OK
  • Past CCJ ok
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
39.9% £0 £0 No Bad Credit OK

Capital One® No Hassle MilesSM Rewards for Travel & Gas
For People with Excellent Credit

capital one no hassle miles travel and gas rewards for excellent credit
  • Earn up to 3 miles per dollar for travel and gas purchases
  • No balance transfer fees
  • 5 different reward redemption options
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a n/a $0 Yes

Capital One® No Hassle Points(SM) Rewards - Excellent Credit

capital one no hassle points rewards no interest rate credit card
  • Earn 2 points per dollar spent at gas stations, major grocery and drug stores
  • No annual fee
  • No limit or expiration date to points earned!
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a n/a $0 Yes

Chase Platinum Business Credit Card

chase platinum business credit card
  • No Annual Fee
  • 0% Intro APR
  • Up to $1M Travel Accident Insurance
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Balance Transfers
Purchases		 $0 No

Chase Platinum Business Rebate Credit Card

chase platinum business rebate cashback credit card
  • No Annual Fee
  • 0% Intro APR
  • 3% Cashback!
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Purchases
Balance Transfers		 $0 Yes

British Airways American Express Card

uk amex british airways airline rewards credit card
  • Companion Tickets
  • First Year Fee-Free
  • Companion tickets!
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a n/a £0 Yes

American Express Business Gold UK Charge Card

  • Perfect for Small Businesses
  • Discounts up to 30%!
  • First year fee free
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a n/a £0 No

American Express Platinum MoneyBack UK Rewards Credit Card

  • Permanently Low BT Rate!
  • Up to 2% Moneyback
  • No Fraud Liability
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
n/a n/a n/a £0 Yes

United Kingdom GM MasterCard Reward Card

uk gm mastercard reward credit card
  • 0% Intro APR
  • No Annual Fee
  • Earn Points Towards New Saab or Vauxhall!
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 5 mo. Purchases
Balance Transfers		 £0 Yes

MBNA Arsenal Rewards Credit Card

football club arsenal reward credit card
  • No Annual Fee
  • Intro 0%
  • Contribution made by MBNA Europe Bank to Arsenal FC
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Balance Transfers
Purchases		 £0 No

MBNA Chelsea FC Visa/MasterCard UK Credit Card

football club chelsea united reward credit card
  • No Annual Fee
  • Intro 0%
  • 1 point per £
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Balance Transfers
Purchases		 £0 No

MBNA Liverpool FC Visa/MasterCard UK Credit Card

football club liverpool reward credit card
  • No Annual Fee
  • Intro 0%
  • 1 point per £
  • More Info
Apply Now
Intro APR Intro Period Intro Applied To Annual Fee Rewards
0% 12 mo. Balance Transfers
Purchases		 £0 No

MBNA Manchester United Visa/MasterCard United Kingdom Credit Card