No Annual Fee Credit Cards

The following cards from our partners save you money by not charging an annual fee. Some of the cards listed below waive the annual fee for the first year, but may charge a fee for subsequent years. Some even offer rewards and low interest rates.

See offers from our partners below.

 APPLY ONLINE

Credit Needed
Excellent/Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until June 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
  • See complete Capital One® VentureOne® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    Until 06/2016
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    11.9% - 21.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

Credit Needed
Excellent/Good
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere
  • See complete Capital One® Quicksilver® Cash Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    Until 03/2016
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    Until 03/2016
    Regular
    APR
    12.9% - 22.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

Credit Needed
Excellent Credit
  • 0% intro APR on purchases & balance transfers for 12 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Exclusive offer: Double all the cash back you've earned at the end of your 1st year—automatically.*
  • 5% cash back in categories that change each quarter like gas, restaurants and more—up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
  • See complete Discover it® details
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    12 months
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    12 months
    Regular
    APR
    10.99% - 22.99% Variable*
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • See complete BankAmericard Cash Rewards™ Credit Card details
 APPLY NOW

at Bank of America's
secure site

--OR--

Call Bank of America at
877-831-6028


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    12 billing cycles
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    12 billing cycles for qualifying balance transfers
    Regular
    APR
    12.99% - 22.99% Variable on purchases & balance transfers
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days — that can be $100 towards travel purchases
  • Use your card to book your trip how and where you want — no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • See complete BankAmericard Travel Rewards® Credit Card details
 APPLY NOW

at Bank of America's
secure site

--OR--

Call Bank of America at
877-915-7732


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    12 billing cycles
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    14.99% - 22.99% Variable on purchases & balance transfers
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

Credit Needed
Excellent Credit
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • See complete MLB® BankAmericard Cash Rewards™ MasterCard® Credit Card details
 APPLY NOW

at Bank of America's
secure site

Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    12 billing cycles
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    12 billing cycles for qualifying balance transfers
    Regular
    APR
    12.99% - 22.99% Variable on purchases & balance transfers
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • See complete BankAmericard® Credit Card details
 APPLY NOW

at Bank of America's
secure site

--OR--

Call Bank of America at
877-827-8836


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    15 billing cycles
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 billing cycles for qualifying balance transfers
    Regular
    APR
    10.99% - 20.99% Variable on purchases & balance transfers
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

Credit Needed
Excellent/Good
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open
  • See complete Chase Freedom® details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    15 months
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months
    Regular
    APR
    13.99% - 22.99% Variable
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

Credit Needed
Excellent Credit
  • Earn up to 10% cash back on eligible purchases at participating online shopping and travel partners through Upromise.com
  • Earn a $50 cash back bonus after first purchase in the first 90 days of account opening
  • Earn 5% cash back on your total eligible restaurant bill from participating Upromise restaurants
  • Earn 2% cash back on eligible in-store department store and movie theater locations
  • Earn 1% cash back on all other purchases
  • See complete Upromise World MasterCard® details
 APPLY NOW

at Barclaycard's
secure site

Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months, made within the first 45 days of account opening
    Regular
    APR
    13.99%, 19.99% or 22.99%* Variable
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

Credit Needed
Good/Excellent
  • Earn 5% cash back5 on up to $6,000 spent on gas and grocery qualifying purchases, for the first 12 months after account opening (2% cash back on up to $6,000 spent annually, thereafter).
  • Earn 1% unlimited cash back3 on all other qualifying purchases2.
  • Get a 10% deposit bonus every time you call to electronically redeem your cash back into a SunTrust checking, savings or money market account6.
  • 0.0% intro APR on purchases and balance transfers for 12 months after account opening. Competitive variable rate, currently 14.99%-21.99%1, thereafter.
  • No annual fee1.
  • Cash Back is unlimited.
  • Program enrollment is automatic. No Rotating categories.
  • Terms and Restrictions Apply. See rates, rewards, and other details by clicking "Apply Now".
  • See complete SunTrust Cash Rewards Credit Card details
 APPLY NOW

at SunTrust Bank's
secure site

Credit Needed
Good/Excellent
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    12 months
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    12 months
    Regular
    APR
    14.99% - 21.99% Variable
    Annual
    Fee
    $0
    Credit Needed
    Good/Excellent
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