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No Annual Fee Credit Cards

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

Many of these no annual fee credit cards even offer introductory APRs as low as 0%, meaning you can enjoy an "interest-free" loan with your free credit card for an introductory period. If you hate paying an annual fee on your credit card, consider one of the recommended credit cards with no annual fee below

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Intro APR
0%
15 billing cycles
Regular APR
10.24% - 21.24% (Variable)
Balance Transfer
15 billing cycles
0%
30 days

U.S. Bank Visa® Platinum Card Highlights

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.24%-21.24%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa Platinum
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Intro APR
N/A
Regular APR
7.25% Variable APR
Balance Transfer
Ongoing
7.25% Variable APR

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Intro APR
N/A
Regular APR
9.50% Variable APR
Balance Transfer
Ongoing
9.50% Variable APR

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Intro APR
N/A
Regular APR
10.15% to 26.15% based on your creditworthiness and other factors.
Balance Transfer
N/A

Our Favorite No Annual Fee Credit Cards

Our favorite credit cards with no annual fees have extended intro periods with 0% APR, which means you’ll pay NOTHING in extra fees until your intro period expires. And even then, if you’re paying your balance back in full and on time each month, you’ll continue to pay zero additional fees. Not too shabby, right?

 

So, how much can you save on no annual fee cards? Let’s compare some annual fees ...

 

First, let’s remember that the term “annual fee” doesn’t have to be a dirty word; many credit cards with annual fees offer some lucrative cash back rewards programs and great cardholder benefits in return for the annual fee that you pay. So, while an annual fee credit card isn’t necessarily such a bad thing, we can understand why consumers like to avoid them when there are other cards available.

 

In general, annual fees on credit cards range anywhere from $19 to $400+ depending on the card. However, the average annual fee is usually under $100. (More specifically, anywhere from $79.99- $95.00.) So when you choose a no annual fee credit card over one that does have an annual charge, right off the back you’re saving money. (And in some cases, quite a bit.)

 

Like we mentioned previously, annual fees can sometimes be a necessary evil when it comes to enrolling in some really good cash back and rewards programs. However, with so many great no annual fee credit cards available, you should know as a consumer that there are comparable cash back cards on the market that forego annual fees.

 

Browse through our no annual fee credit cards above, and join the Creditnet.com discussion for consumer information on all things related to credit.