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.

Ad Choices Image
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Fair Credit
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 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, on mobile and 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 13.99% - 22.99%.
  • 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
    13.99% - 22.99% Variable
    Annual Fee
    $0
    Credit Needed
    Fair Credit
 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
    23.99% Variable
    Annual Fee
    $0
    Credit Needed
    Fair/New to Credit
 APPLY ONLINE

at Charity Charge's
secure site

Credit Needed
Good/Excellent
  • Unlimited 1% cash back rewards in the form of an automatic donation to any nonprofit, K-12 school, university, or religious organization of your choice.
  • No Annual Fee.
  • Rewards are tax-deductible.
  • One time bonus donation of $10 to your chosen nonprofit after your first purchase.
  • Ability to support up to three nonprofits at once. You can change the nonprofits you support at any time through your online donation dashboard.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
  • Chip and Apple Pay enabled.
  • See additional Charity Charge World MasterCard® Credit Card details
 APPLY NOW

at Charity Charge's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    1.99% for 6 monthly billing cycles
    Balance Transfers Intro APR
    1.99% for 6 monthly billing cycles
    Regular APR
    10.74%-20.74% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
Show More Results