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 - American Flag

discover more american flag cash back card
  • 6 months no interest!
  • 5% to 20% Cashback Bonus® at Top Online Retailers; Up to 1% rebate on all other general purchases
  • Double your rebate when you redeem for gift cards from over 100 Cashback Bonus® Partners
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes
Balance Transfers

Chase Sapphire℠
No Annual Fee Travel Rewards

chase sapphire points card
  • 10,000 bonus points after first purchase
  • Earn up to 10 points per $1 spent
  • Redeem points for travel with no restrictions, or redeem for anything you want, even non-travel rewards!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
n/a n/a n/a $0 Yes

Public Savings Bank Visa Black Card

credit card for bad credit, builds good credit
  • 0% interest on purchases for 6 months
  • No credit or income requirements!
  • Build good credit - Reports to all 3 major credit bureaus
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
11.24% $79.00 $0 Yes Bad Credit OK

Discover® More(SM) Card

  • No interest for 12 months!
  • 0% Intro BT APR
  • No Annual Fee
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes
Balance Transfers 12 mo.

Slate℠ from Chase

chase slate with blueprint financial management no interest
  • Free access to Blueprint(SM) to help you manage your finances your way
  • E-mail and text alerts
  • Patented fraud protection
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Up to 12 mo. $0 No
Balance Transfers

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 Applied To Intro Period Annual Fee Rewards
0% Purchases Up to 12 mo. $0 No
Balance Transfers

Citi Forward(SM) Card

citi forward card
  • More than 11,000 Bonus Points!
  • Earn bonus points for paying on time and being green!
  • Up to 5 points per $1 spent
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes
Balance Transfers

Miles by Discover® Card

miles card by discover airline miles reward card
  • Earn up to 12,000 Bonus Miles in 1st Year
  • Book any travel, any airline, any time
  • Redeem for travel, gift cards, or cash!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes
Balance Transfers

Discover® More (SM) Card - Sealife Collection

  • No annual fee
  • Up to 5% cashback
  • Great rewards program
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 No
Balance Transfers

Chase Freedom℠

chase freedom cash back card
  • $50 Cash Back after your first purchase!
  • Earn 3% cash back in rotating categories such as department stores, gas, home improvement, and more
  • Always earn 1% cash back on every purchase, every where!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Up to 12 mo. $0 Yes

The Prepaid Baby Phat Rushcard

prepaid baby phat rushcard
  • Everyone Approved*
  • Free direct deposit of tax refunds, anticipation loans, and paychecks
  • Free Credit Builder!
  • 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® mtvU™ Platinum Select® Visa® Card for College Students

mtvu platinum student visa credit card
  • 0% APR on Purchases for 6 Months, if you qualify, based on your application and credit history
  • Limited Time Offer: Earn enough bonus points for a $25 gift card, and more!
  • Earn up to 5 ThankYou® Points per dollar you spend
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
As low as 17.24% variable $0 $0 Yes Fair Credit OK

Facecard Prepaid MasterCard®

facecard prepaid debit
  • Instant Guaranteed Approval: No Credit Check, No Security Deposit
  • Set up bill pay for FREE so you'll never miss paying another bill
  • Receive Prewards (which are like coupons) loaded directly onto your card
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $5.00 $0 No Bad Credit OK

Facecard Prepaid MasterCard® for College Students

facecard prepaid debit card for students
  • No risk of credit card debt or ruining your credit score
  • Free activation, no annual fees, no monthly fees!
  • Safe and easy way of having funds while studying or traveling
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $0 $0 No Bad Credit OK

Vision PremierSM Prepaid Visa® Card

vision prepaid visa
  • Guaranteed Approval*, No Credit Checks!
  • NO overdraft fees or interest charges
  • Low weekly fee is waived with Direct Deposit
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $29.95 $0 No Bad Credit OK

IberiaBank Visa® Classic

low interest cash advance credit card
  • Low intro rate of 1.99% on balance transfers
  • Low rate on cash advances
  • Free online access to your account
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
1.99% Balance Transfers 6 mo. $0 No

Discover® Student Card - Monogram Collection

Discover student cash back monogram card
  • Unlimited cash rewards
  • Up to 20% Cashback Bonus® when you shop online*
  • Personalize your card with a monogram of your initials!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
14.99% $0 $0 Yes Fair Credit OK

Discover® Motiva(SM) Card

discover motiva cash back credit card
  • Up to 20% Cashback Bonus® at Top Online Retailers*
  • Earn double rewards when redeeming for gift certificates at select retailers
  • Free payment online or over the phone - even on your due date!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
3.99% Purchases 6 mo. $0 Yes
Balance Transfers 12 mo.

IberiaBank Visa® Gold Cash Back Card

gold cash back rewards card with low interest rate
  • Earn 1% cash back on all purchases, with no limit of rebates earned
  • Low intro interest rate on balance transfers
  • Up to $500,000 in travel accident insurance
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
1.99% Balance Transfers 6 mo. $0 Yes

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® More(SM) Card - Wildlife Collection

discover more platinum wildlife card
  • No annual fee
  • No interest on purchases and balance transfers up to 12 months!
  • Earn up to 20% in Cashback Bonus®*
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes
Balance Transfers

Citi Forward(SM) Card for College Students

citi forward student credit card
  • Up to 5 points per $1
  • Limited Time Offer: Earn enough bonus points for a $75 gift card and more!
  • Rewards you for good behavior with bonus points and up to a 2% reduction in interest rate
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
17.24% variable $0 $0 Yes Fair 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

Simmons First Visa Platinum Rewards

simmons first rewards card
  • Low variable standard APR for purchases and balance transfers
  • No balance transfer fee with this online offer!
  • Travel rewards: airlines with no blackout dates, hotels, cruises, vacation packages, car rentals, and more
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
n/a n/a n/a $0 Yes

Simmons First Visa Platinum - Low APR Card

simmons first visa platinum card
  • Low interest rate on purchases, balance transfers, and cash advances!
  • Free balance transfers with this online offer
  • No annual fee
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
n/a n/a n/a $0 No

The Prepaid Visa Rushcard

prepaid visa rushcard
  • Everyone Approved*
  • Free direct deposit of tax refunds, anticipation loans, and paychecks
  • Free Credit Builder!
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
n/a $19.95 $0 No Bad Credit OK

Discover More® Clear

discover more clear cash back card
  • 5% cash back*!
  • Rebates never expire and have no early limit
  • Double your cash back rewards
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes
Balance Transfers

Discover More® - Monogram

discover more cash back monogram
  • Unlimited cash rewards that never expire*
  • Earn more cash in more ways than anyone else(SM)*
  • Double rewards with more than 100 Cashback Bonus Partners*!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes
Balance Transfers

Biodegradable Discover® More Card
A Green Credit Card

biodegradable discover more card
  • New biodegradable, green plastic card breaks down 99% and leaves no toxic effects!
  • No interest on purchases or balance transfers for an introductory period
  • Up to 5% cashback
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes
Balance Transfers

IberiaBank Visa® Platinum Rewards

rewards credit card with low interest
  • Earn points for each purchase, redeem for worldwide travel, merchandise, gift certificates, and more
  • Low introductory rate for balance transfers
  • Travel accident insurance up to $1,000,000
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
1.99% Balance Transfers 6 mo. $0 Yes

Credit Card
Search Tool

Use our FULL search tool or do a quick search below to find your ideal card.

Try our Advanced Search!

Creditnet Newsroom

More News

Weekly Tips
& Tools

Pay the First Bill of 2010 to Yourself

Holiday cards from friends and family probably filled your mailbox in December. Unfortunately, something a lot less enjoyable and amusing to read may take their spot in January—the dreaded...

Read More

Featured
Articles

How to Pay Off Debt: Determining Your Best Course of Action

Personal finance experts love to argue about which debt you should pay off first. Browse the Internet for just a few minutes, and you'll find volumes of painfully long...

Read More
enter to win $500 for tuition and books