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.

Earn credit card rewards such as miles, cash back, merchandise discounts, hotel stays, and more with your "free credit card". Some of these no annual fee credit cards even offer bonus rewards for new customers, bringing you closer to earning free flights, free hotel stays, free cash, and more. The credit card offers presented below are from Visa, MasterCard, American Express, and Discover.

Updated by on May 22, 2012

Discover® More Card - 18 Month Promotional Balance Transfer

Discover® More Card - 18 Month Promotional Balance Transfer
Expert Rating:
4.75 / 5
stars
  • 0% interest on balance transfers for 18 months!
  • 5% Cashback Bonus
  • No annual fee credit card
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes
Balance Transfers 18 mo.

Citi Simplicity® Visa Card

no interest credit card no fees
Expert Rating:
4.85 / 5
stars
  • No interest on purchases and balance transfers
  • Direct access to customer service—no long waits on the phone
  • Minimal fees—no annual fee, no late fees, no penalty rates, no over limit fees
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 18 mo. $0 No
Balance Transfers

Citi Simplicity® Card

no interest credit card no fees
Expert Rating:
4.85 / 5
stars
  • 0% interest on purchases and balance transfers for 18 months
  • No annual fee
  • No late payment fees, no over-the-limit fees, no interest rate hikes
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 18 mo. $0 No
Balance Transfers

Citi® Diamond Preferred® Card - 0% Interest for 18 Months!

Citi Diamond Preferred 0 Interest Card
Expert Rating:
4.35 / 5
stars
  • No interest for 18 months!
  • After that, the APR will be 11.99% - 21.99% based upon your creditworthiness.
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 18 mo. $0* No
Balance Transfers

Discover® More® Card

Discover More 0% Credit Card
  • Earn up to 5% cash back!
  • Unlimited cash back on all other purchases
  • 0% interest intro APR on balance transfers for a full 15 months, then the Regular APR
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 Yes
Balance Transfers

Capital One® Platinum Prestige Credit Card

capital one platinum plus excellent credit low interest credit card
  • 0% intro APR until September 2013 on purchases
  • 0% intro APR until September 2013 on balance transfers
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Until Sep 2013 $0 No
Balance Transfers

Slate℠ from Chase - No Balance Transfer Fee

Slate No Balance Transfer Fee Card
Expert Rating:
4.5 / 5
stars
  • Pay NO BALANCE TRANSFER FEE when you transfer your balance within 30 days!
  • Transfer higher rate balances and save money on interest
  • No interest on purchases and balance transfers for 15 months
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 No
Balance Transfers

Capital One® VentureOne(SM) Rewards Credit Card

Capital One® VentureOneSM
  • Fly free on any airline, any time with no blackout dates
  • 1.25 miles per dollar on every purchase, every day
  • One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Until Jun 2013 $0 Yes

Chase Sapphire℠

chase sapphire points card
  • Limited Time Offer: Earn 10,000 points ($100 in rewards) after you spend $500 in the first 3 months
  • Redeem Points for Travel, Gift Cards, Merchandise, Cash Back and More
  • Earn double points on dining and when you book airlines or hotels through Ultimate Rewards
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
n/a n/a n/a $0 Yes

Chase Freedom℠ MasterCard® - $100 Bonus Cash Back + 0% Intro APR

cash back credit card, Chase Freedom $100 Bonus promo
  • Earn a cash back bonus of $100 when you spend at least $500 during your first three months!
  • 5% cash back in quarterly bonus categories like dining, department stores, movie theaters and charitable organizations, subject to quarterly maximum.
  • Earn an unlimited 1% cash back on all other purchases!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 Yes
Balance Transfers

Citi ThankYou(SM) Preferred Card - Enough for $250 in Gift Cards!

Citi ThankYou Preferred Card
  • Up to 25,000 in bonus points - enough for $250 in gift cards or other rewards!
  • Receive an anniversary bonus every year you're a cardmember
  • No limit or expiration on points
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
n/a n/a n/a $0 Yes

Citi ThankYou® Card - No interest for 15 months

Citi ThankYou Card No interest
Expert Rating:
4.5 / 5
stars
  • No interest for 15 months
  • Earn an anniversary bonus on points earned from purchases every year*
  • No limit or expiration on points
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 Yes
Balance Transfers

Citi Forward® Card

citi forward card
  • 10,000 bonus points after you spend $650 in 3 months - enough for $100 in gift cards
  • Earn up to 1,200 bonus points and lower your purchase APR by paying on time and staying under your credit limit*
  • Up to 5 points per $1 spent
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 7 mo. $0 Yes
Balance Transfers 12 mo.

Blue Cash Everyday(SM) Card - $100 Cash Bonus

amex blue cash cashback credit card
  • Earn up to 3% cash back on all your purchases, even gas!
  • Earn $100 cash bonus after spending just $1000 in your first 3 months
  • $25 referral bonus for each friend/family member approved for a card
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Up to 12 mo. $0 Yes

Miles by Discover® Card

miles card by discover airline miles reward card
  • Earn up to 20,000 Bonus Miles
  • 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% Balance Transfers 12 mo. $0 Yes

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

citi dividend platinum cash back card
  • $100 cash back bonus after you spend $500 within first 3 months
  • 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases
  • Full 1% cash back on all other eligible purchases
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 12 mo. $0 Yes
Balance Transfers

Citi® Hilton HHonors® Visa® Signature Card

Citi® Hilton HHonors® Visa® Signature Card
  • 40,000 Hilton HHonors bonus points when you spend $1,000 within first 4 months; enough for up to 3 nights*!
  • Hilton HHonors Silver status
  • Up to 6 Hilton HHonors bonus points per $1 spent
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
n/a n/a n/a $0 Yes

MTV® Visa® Card from Capital One®

capital one mtv visa for good credit
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
  • Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Until Jun 2013 $0 Yes

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
  • Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 15 mo. $0 Yes
Balance Transfers

Blue Sky from American Express℠

amex blue sky airline miles card
  • 0% intro APR for 12 months on purchases
  • Redeem points for air, hotel, car, cruise
  • Points worth up to 33% more than most other travel cards
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 12 mo. $0 Yes

Capital One® Orbitz® Visa® Platinum

capital one orbitz signature card
  • Bonus points on eligible Orbitz.com bookings
  • 3 points per dollar spent on eligible Orbitz.com bookings
  • Get 1 point per dollar on all other purchases
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Until Jun 2013 $0 Yes

Capital One® Cash Rewards - $100 Cash Back Bonus

capital one cash credit card
  • $100 Bonus after you spend $500 in the first 3 months
  • 1% cash back on all purchases
  • 50% bonus on the cash back you earn every year
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases Until Jun 2013 $0 Yes
Balance Transfers

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

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

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
How to Choose the Best No Annual Fee Credit Card

What's there not to love about no annual fee credit cards? Use your credit card for free, and in return you'll earn miles, cash rebates, hotel stays, and more. It doesn't get any better than that!

The most difficult part is comparing all the available credit card offers on the market and choosing the best one for your personal needs. If you're feeling a bit lost, follow these 3 steps to make sure you get the perfect credit card with no annual fee in your wallet:

  1. Do the Math: Know you annual credit card spend so you can estimate your annual rewards for each card you're interested in. Then, compare the different rewards programs to find the one with the best redemption value. Target redemption values of at least $.01 per point/mile.

  2. Check 0% Interest Promotions and Balance Transfer Fees: 0% interest promotions might run anywhere from 6 to 21 months, and balance transfer fees could range from 0% to 5%. Read the fine print for each credit card offer and make sure you're comparing apples to apples.

  3. Getting too complicated? Stick with Cash Back: Comparing rewards programs can become quite complex. If it just seems like too much to get your arms around, sticking with cash back credit cards is always a wise choice. 1% cash back is always 1% cash back.

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