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 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
    10.65%-26.65% (Variable)
    Annual Fee
    $0.
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at U.S. Bank's
secure site

Credit Needed
Excellent Credit
  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.99% - 22.99%
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card.
  • Certain terms, conditions, and exclusions apply.
  • See additional U.S. Bank Visa® Platinum Card details
 APPLY NOW

at U.S. Bank's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    0%* for 15 billing cycles*
    Balance Transfers Intro APR
    0%* for 15 billing cycles*
    Regular APR
    10.99% - 22.99%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • We'll match all the Miles you've earned at the end of your first year. Bonus Miles - For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your rewards in any amount for cash or a travel credit.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • 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
    11.74% - 23.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Pentagon FCU's
secure site

Credit Needed
Excellent Credit
  • 0% APR promo balance transfer rate for 12 mos with 3% balance transfer fee. After that, the APR for the unpaid balance and any new balance transfers will be 9.24% to 17.99%.
  • APR will vary w/the market based on Prime Rate. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of April 1, 2017 and are subject to change.
  • 1.5% Unlimited Cash Back On All Purchases w/no caps, limits or category restrictions of rewards. Flexible cash redemption options. Earn up to 2% Cash Back through the PenFed Honors Advantage program
  • No Annual or Foreign Transaction Fees
  • Chip Enabled for Added Security and Federally Insured by the NCUA
  • Rates As Low As 9.24% APR
  • See additional PenFed Power Cash Rewards Visa Signature® Card details
 APPLY NOW

at Pentagon FCU's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    9.24%-17.99%
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Amalgamated Bank of Chicago's
secure site

Credit Needed
Good/Excellent
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 13.65% - 23.65%, based on your creditworthiness
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
 APPLY NOW

at Amalgamated Bank of Chicago's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.65% - 23.65% Variable APR on purchases and balance transfers
    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
    12.65%-26.65% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 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
    7.65%-24.65% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Earn one point for every dollar spent on your everyday purchases.
  • Earn 2X points per dollar on gas and groceries with no caps.
 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
    10.65%-26.65% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 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
    13.24% - 20.24% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent, Good
  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See additional The Blue Business℠ Plus Credit Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
866-280-1249


Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% on Purchases for 15 months
    Balance Transfers Intro APR
    0% on Balance Transfers for 15 months
    Regular APR
    12.24% - 20.24% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
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