No Annual Fee Credit Cards

With these cards, you can still get a low rate and generous cash back and rewards, even though there's no annual fee. Consider these cards from our partners and see how they stack up. Note that some of the cards have no annual fee in the first year, but charge a fee in the following years.

See offers from our partners below.

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 APPLY ONLINE

at Citi's
secure site

Credit Needed
Excellent Credit
  • Earn 75,000 Hilton HHonors™ Bonus Points after making $2,000 in purchases within the first 3 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
  • No annual fee.*
  • See additional Citi® Hilton HHonors™ Visa Signature® Card details
 APPLY NOW

at Citi's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.99% - 19.99%* (Variable)
    Annual Fee
    None
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
  • Get a mile-for-mile match of all the rewards you've earned at the end of your first year, automatically.
  • Redeem your rewards in any amount for cash or a travel credit. You'll always get $1 for every 100 Miles you've earned.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • 100% U.S. based customer service. Talk to a real person any time.
  • No Annual Fee.
  • See additional Discover it® Miles details
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 14 months
    Balance Transfers Intro APR
    10.99% for 14 months
    Regular APR
    11.49% - 23.49% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.40%-26.40% (Variable)
    Annual Fee
    $0.
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Earn 1.5% cash back on every purchase
  • There's no limit on the amount you can earn
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.40%-26.40% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • Receive a $100 statement credit when you make at least $500 in purchases within the first 90 days.
  • 3X points = 3% cash back — Earn 3 points for every $1 spent on qualifying travel and AAA purchases.
  • 2X points = 2% cash back — Earn 2 points for every $1 spent on gas, grocery store and drugstore purchases.
  • 1 point per $1 = 1% cash back — Earn 1 point per $1 spent on everything else.
  • Earn unlimited points to redeem for cash back, gift cards and travel. You can also redeem for AAA vouchers, which can be used to make purchases at participating AAA branches and auto repair facilities.
  • No Annual Fee
  • Transfer high-rate balances and save with a 0% introductory APR for 12 billing cycles for balance transfers made in the first 60 days, then 13.49% to 23.49% Variable APR. 3% fee (min $10) applies to balance transfers.
  • See additional AAA Member Rewards Visa® Credit Card details
 APPLY NOW

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% Intro APR for the first 12 billing cycles for balance transfers made in the first 60 days
    Regular APR
    13.49% to 23.49% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Enjoy the lowest apr of any major bank in the U.S.
  • Same low rate for purchases, balance transfers and cash advances.
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    7.40%-24.40% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Earn up to 1.25% on your everyday purchases.
  • There's no limit on the amount you can earn.
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.40%-26.40% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at Fingerhut's
secure site

Credit Needed
Fair/Bad Credit
  • Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments1 with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC248
  • 1If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • See additional Fingerhut Credit Account details
 APPLY NOW

at Fingerhut's
secure site

Credit Needed
Fair/Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    See Issuer Website
    Annual Fee
    $0
    Credit Needed
    Fair/Bad Credit
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
  • See additional SimplyCash® Plus Business Credit Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
866-474-2158


Credit Needed
Excellent Credit
  • Purchases Intro APR
    0% on Purchases for 9 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.99% - 19.99% Variable
    Annual Fee
    No annual fee
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • Choose your favorite team & show your pride –all 30 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Plus, unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.
  • No annual fee.
  • See additional NHL® Discover it® Card details
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 14 months
    Balance Transfers Intro APR
    0% for 14 months
    Regular APR
    11.49% - 23.49% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
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