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3.8/5.0 from 19 Offer Ratings
Over the Past 60 Days!
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Intro Purchase APR
0%* for 12 months on Purchases*
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Intro BT APR
0%* for 21 months on Balance Transfers*
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Regular Purchase APR
15.99% - 25.99%* (Variable)
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Typical Credit Needed
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Annual Fee
$0*
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Card Brand
Mastercard®
Highlights
- The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- The same great rate for all balances, after the introductory period
- Save time when you call with fast, personal help, 24 hours a day – just say “representative”
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
See additional details for Citi Simplicity® Card - No Late Fees Ever
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Rates & Fees
No Annual Fee & a Low Regular APR
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Rewards Rate
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
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Cash Back Details
No rotating categories and no caps on cash back
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Typical Credit Needed
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Annual Fee
$0*
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Card Brand
Mastercard®
Highlights
- Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
- No categories to track, no caps on cash back, no annual fee*
See additional details for Citi® Double Cash Card – 18 month BT offer
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Rewards Rate
Earn 1.5 points per $1 spent on all purchases
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Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
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Regular APR
16.99% - 24.99% Variable APR on purchases and balance transfers
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online or call 800-821-8749
- 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
- NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Comes with chip technology for enhanced security and protection at chip-enabled terminals
- 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% 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%
See additional details for Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer
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Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day
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Bonus Cash
One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
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Rates and Fees
No annual fee and no foreign transaction fees
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- 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 won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
See additional details for Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
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Intro Balance Transfer APR
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
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Intro Purchase APR
0% Introductory APR on purchases for 18 billing cycles
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Regular APR
14.99% - 24.99% Variable APR
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online or call 800-821-8754
- NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
See additional details for BankAmericard® credit card
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Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
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Intro BT APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
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Regular APR
15.24% - 25.24% Variable APR on purchases and balance transfers
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online or call 800-791-5562
- No annual fee
- NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- 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 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, 15.24% - 25.24% 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%
- Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer
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Rewards Rate
1.25 Miles per dollar on every purchase, every day
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Intro Purchase APR
0% intro on purchases for 12 months
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Regular Purchase APR
13.74% - 23.74% (Variable)
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 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 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
- Fly any airline, stay at any hotel, anytime
- Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% 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 details for Capital One® VentureOne® Rewards Credit Card
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Bonus Miles
We'll match all the Miles you've earned at the end of your first year.*
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Rewards Rate
1.5 Miles per $1 Spent*
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Redeeming is Easy
Redeem your Miles as a statement credit towards travel purchases*
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
- Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
- No Blackout Dates - fly any airline, stay at any hotel.
- Redeem your Miles as a statement credit towards travel purchases.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No Annual Fee.
- See Rates & Fees
See additional details for Discover it® Miles
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Rates and Fees
Unlimited 1.5% cash back and no annual fee
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Sign-up Bonus
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
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Cash Back Details
Redeem Cash Back for any amount, anytime
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Unlimited 1.5% cash back on every purchase - it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
See additional details for Chase Freedom Unlimited®
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Cashback Match™
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
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EARN
Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
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Redeem
Any amount, any time. Cash back rewards never expire*
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See Rates & Fees
See additional details for Discover it® Cash Back
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Intro Balance Transfer APR
0% for 18 Months*
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Rewards Rate
Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
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Ongoing APR
13.99% - 24.99% Variable*
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- 100% U.S. based customer service.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See Rates & Fees
See additional details for Discover it® Balance Transfer
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Rewards Rate
3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases
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Sign-up Bonus
Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
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Cash Back Details
No minimums for redeeming and cash back won't expire for the life of the account
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
See additional details for Capital One® SavorOne℠ Cash Rewards Credit Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
No Annual Fee Credit Cards
Credit cards come with all sorts of fees, so many consumers look specifically for those that are low-interest or credit cards with no annual fee. An annual fee is a one-time fee credit card companies charge to have the card per year, mainly for the more prestigious credit cards like American Express.
Many credit cards offer no annual fee for the first year, meaning they waive the annual fee until year two comes around. Annual fees can range anywhere from as little as $20 to as high as a few hundred dollars, depending on the card. Examine the pros and the cons of the best credit cards with no annual fee and see if the benefits outweigh the fee. Review no annual fee credit cards to choose the one with the benefits that interest you.
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