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 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™.
  • You could turn $200 into $400 with Cashback Match™. 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, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and 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
    11.74% - 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 xfer rate for 12 mos w/3% balance xfer fee. After that, APR for unpaid balance + new balance xfers will be 9.24%-17.99%. APR will vary w/market based on Prime Rate.
  • 3% balance transfer fee per transaction. Subject to credit approval.
  • Rate and offers current as of April 1, 2017 and subject to change.
  • Earn 5 points on airfare purchases, Earn 1 point on all other purchases
  • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the card account
  • No annual fee and no foreign transaction fees
  • Rates as low as 9.24% APR
  • Chip Enabled for Added Security, Federally insured by NCUA
  • See additional PenFed Premium Travel Rewards American Express® 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
    See Terms
    Annual Fee
    See Terms
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Pentagon FCU's
secure site

Credit Needed
Excellent Credit
  • 0% APR promo balance xfer rate for 12 mos w/3% balance xfer fee. After that, APR for unpaid balance + new balance xfers will be 9.24%-17.99%. APR will vary w/market based on Prime Rate.
  • 3% balance transfer fee per transaction. 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 subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases, Earn 1 point on all other purchases
  • No annual fee, Chip Enabled for Added Security
  • Federally insured by NCUA
  • See additional PenFed Platinum 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
    See Terms
    Annual Fee
    See Terms
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Citi's
secure site

Credit Needed
Excellent Credit
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
 APPLY NOW

at Citi's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    0%* for 7 months on Purchases*
    Balance Transfers Intro APR
    N/A
    Regular APR
    16.24* (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Fingerhut's
secure site

Credit Needed
Fair/Bad Credit
  • Fingerhut offers all sorts of awesome products, like clothing, electronics, furniture and more.
  • A WebBank/Fingerhut Credit Account could help you build your buying power by reporting your on-time payments to all three credit bureaus.
 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 Capital One's
secure site

Credit Needed
Limited, Bad
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
  • See additional Capital One® Secured Mastercard® details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Limited, Bad
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    24.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Limited, Bad
 APPLY ONLINE

at Pentagon FCU's
secure site

Credit Needed
Excellent Credit
  • 0% APR promo balance xfer rate for 12 mos w/3% balance xfer fee. After that, APR for unpaid balance + new balance xfers will be 8.99%-17.99%. APR will vary w/market based on Prime Rate.
  • 3% balance transfer fee per transaction. 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 subject to change.
  • No annual fee, No foreign transaction fee
  • No cash advance fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • See additional PenFed Gold Visa® 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
    See Terms
    Annual Fee
    See Terms
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Pentagon FCU's
secure site

Credit Needed
Excellent Credit
  • 4.99% APR promo balance xfer rate for 12 mos w/no balance xfer fee. After that, APR for unpaid balance + new balance xfers will be 8.99% to 17.99%. APR will vary w/market based on Prime Rate. Subject to credit approval.
  • $100 bonus after spending $1,500 in purchase transactions within 3 mos of account opening.
  • Rate and offers current as of April 1, 2017 and are subject to change.
  • Absolutely No Fees, No Annual Fee, No Late Fee, No Cash Advance Fee
  • Chip Enabled for Added Security
  • Federally Insured by NCUA
  • Rates As Low As 8.99% APR
  • See additional PenFed Promise Visa® Card details
 APPLY NOW

at Pentagon FCU's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    4.99% for 12 months
    Regular APR
    See Terms
    Annual Fee
    See Terms
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent/Good
  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.65% - 23.65% (V)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Fair/New to Credit
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
  • Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service.
  • See additional Discover it® Secured Card details
 APPLY NOW

at Discover's
secure site

Credit Needed
Fair/New to Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    10.99% for 6 months
    Regular APR
    23.74% Variable
    Annual Fee
    $0
    Credit Needed
    Fair/New to Credit
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