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
Fair Credit
  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
  • See additional Discover it® chrome for Students details
 APPLY NOW

at Discover's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    0% for 6 months
    Balance Transfers Intro APR
    10.99% for 6 months
    Regular APR
    13.24% - 22.24% Variable
    Annual Fee
    $0
    Credit Needed
    Fair Credit
 APPLY ONLINE

at Barclaycard's
secure site

Credit Needed
Excellent Credit
  • A low, variable APR on balance transfers and purchases
  • No Annual Fee
  • No balance transfer fees
  • No foreign transaction fees
  • Share in the community profits through our Giveback™ program
  • Vote on product changes and share your ideas in Barclaycard Ring's community
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • See additional Barclaycard Ring™ MasterCard® details
 APPLY NOW

at Barclaycard's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    8.25% Variable
    Annual Fee
    $0
    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
    13.15% - 23.15% (V)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 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
    13.15% - 23.15% (V)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 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
    13.15% - 23.15% (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 7 months to see if we can transition you to an account with no security deposit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service. Plus get your FICO® Credit Score for free on monthly statements and online.
  • Discover matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.
  • No late fee on your first late payment. And paying late won't raise your APR.
  • See additional Discover it® Secured Credit 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
    23.24% Variable
    Annual Fee
    $0
    Credit Needed
    Fair/New to 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
    13.15% - 23.15% (V)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 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 10.24%-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 months of account opening.
  • Rate and offers current as of October 1, 2016 and are subject to change.
  • Must be in military service, the National Guard, the Reserves, or an honorably discharged Veteran of the United States military to apply.
  • 1.5 Unlimited Cash Back On All Purchases
  • No Annual or Foreign Transaction Fees, Chip Enabled for Added Security, Federally Insured by the NCUA
  • No Penalty APR, Rates As Low As 10.24% APR
  • See additional PenFed Defender 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
    4.99% 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 10.24%-17.99%. APR will vary w/market based on Prime Rate. Subject to credit approval.
  • 3% balance transfer fee per transaction.
  • $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of October 1, 2016 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
  • 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 10.24%-17.99%. APR will vary w/market based on Prime Rate. Subject to credit approval.
  • 3% balance transfer fee per transaction.
  • $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of August 1, 2016 and subject to change.
  • Click on "Apply Now" to learn more about Plus qualification requirements.
  • Chip Enabled for Added Security
  • Federally insured by NCUA
  • See additional PenFed Platinum Cash Rewards 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
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