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.

 APPLY ONLINE

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • $150 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
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem 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, 13.99% - 23.99% variable APR. 3% fee (min $10) applies to balance transfers
  • See additional MLB™ BankAmericard Cash Rewards™ Mastercard® details
 APPLY NOW

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Introductory APR on purchases for 12 billing cycles
    Balance Transfers Intro APR
    0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
    Regular APR
    13.99% - 23.99% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Deserve's
secure site

Credit Needed
Limited/No Credit
  • 1% unlimited cash back on All purchases
  • Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading ($49.99 value)
  • Up to a $5,000 credit line
  • $0 annual fee
  • No security deposit or co-signer required
  • Builds credit history
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • See additional Deserve® Edu Mastercard for Students details
 APPLY NOW

at Deserve's
secure site

Credit Needed
Limited/No Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    19.74% Variable
    Annual Fee
    $0
    Credit Needed
    Limited/No Credit
 APPLY ONLINE

at PNC Bank's
secure site

Credit Needed
Excellent, Good
  • With the PNC Cash Rewards credit card, earn more cash back at the places you shop the most.
  • 4% Cash Back on gas station purchases (in-store and at the pump)
  • 3% Cash Back on dining purchases at restaurants, including fast food.
  • 2% cash back on grocery store purchases.
  • 1% cash back on all other purchases.
  • You'll earn 4%, 3% or 2% cash back for the first $8,000 in combined purchases in these categories every year. After that, you'll earn 1% cash back in these categories.
  • An introductory 0% APR on balance transfers for the first 12 billing cycles following account opening. Then a variable APR, currently 13.99% to 23.99%, based on creditworthiness
  • See additional PNC Cash Rewards℠ Visa® Credit Card details
 APPLY NOW

at PNC Bank's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for the first 12 billing cycles on balance transfers made within 90 days of account opening.*
    Regular APR
    13.99% to 23.99%, based on creditworthiness.*
    Annual Fee
    $0*
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at HSBC's
secure site

Credit Needed
Good/Excellent
  • Limited Time Offer: Earn unlimited 2% cash rewards on purchases made within 6 months of account opening, then 1.5% thereafter.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 13.99%, 17.99% or 23.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See additional HSBC Cash Rewards Mastercard® credit card details
 APPLY NOW

at HSBC's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% Intro APR for 15 months
    Regular APR
    Variable APR of 13.99% - 23.99%
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • 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 Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • See additional Wells Fargo Platinum Visa® Card details
 APPLY NOW

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 18 months
    Balance Transfers Intro APR
    0% for 18 months
    Regular APR
    16.15%-25.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Citi's
secure site

Credit Needed
Excellent Credit
  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
  • Points redeemable for $200 towards your stay at a +VIP Access™ hotel*
  • 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status for each increment of $2,500 in purchases made on the card between your January and December billing statements*
  • See additional Expedia®+ Card from Citi details
 APPLY NOW

at Citi's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.99% - 23.99%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at HSBC's
secure site

Credit Needed
Good/Excellent
  • 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening.
  • Then a variable APR of 11.99%, 15.99% or 19.99% will apply.
 APPLY NOW

at HSBC's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    0% Intro APR for 18 months
    Balance Transfers Intro APR
    0% Intro APR for 18 months
    Regular APR
    Variable APR of 11.99% - 19.99%
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, 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 for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • See additional Capital One® VentureOne® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.99% - 22.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Barclaycard's
secure site

Credit Needed
Excellent
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases.
  • Plus, you'll get a 0% introductory APR for 15 months on each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 23.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee
  • See additional Barclaycard CashForward™ World Mastercard® details
 APPLY NOW

at Barclaycard's
secure site

Credit Needed
Excellent
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months (on balance transfers made within 45 days of account opening)
    Regular APR
    15.99%, 20.99% or 23.99% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent
 APPLY ONLINE

at PNC Bank's
secure site

Credit Needed
Excellent Credit
  • Intro 0% APR on purchases for the first 15 billing cycles following account opening. Then a variable APR, currently 10.99% to 20.99%, based on creditworthiness
  • An introductory 0% APR on balance transfers for the first 15 billing cycles following account opening. Then a variable APR, currently 10.99% to 20.99%, based on creditworthiness
 APPLY NOW

at PNC Bank's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    0% for the first 15 billing cycles following account opening.*
    Balance Transfers Intro APR
    0% for the first 15 billing cycles on balance transfers made within 90 days of account opening.*
    Regular APR
    10.99% to 20.99%, based on creditworthiness.*
    Annual Fee
    $0*
    Credit Needed
    Excellent Credit
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