Credit Cards with No Annual Fee

Read all the details in your agreement (generally called: "terms and conditions"), because important factors can be found in the small print. For example, an annual fee is often charged to offset the 0% Intro APR. Some of our listed 0% Intro APR cards charge an annual fee but most of them do not. By paying a significant annual fee or another flat charge for your card, you are hardly getting a 0% Intro APR card.

Browse the full selection of our list of No Annual Fee credit cards below or choose another credit card type from the menu bar on the left. Compare the information on fees, rewards, and various other card features in the "more info" section of the listed cards.

Discover® More® Card

Make your money worth More.^SM*

Summary:

APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Credit Line: Minimum $5,000
Issuer: Discover Bank

    Features:

• 0% intro APR on balance transfers for 15 months, then the Regular APR
• 0% intro APR on purchases for 15 months, then the Regular APR
• 5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
• Up to 1% unlimited Cashback Bonus on all other purchases
• No Annual Fee
  
  *View rates, fees, rewards and other important information.

More info           Apply

Blue Cash® from American Express

Earn up to 5% cash back on everyday purchases - even gas!

Summary:

APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 25 Days
Reward Program: Up to 5% Cash Back
Credit Line: Up to $100,000
Issuer: American Express Co.

    Features:

• Earn a $25 statement credit with $500 in eligible spending
• No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
• Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more
• No limit on the cash back you can earn
  
  *See Terms, Conditions & Disclosures

More info           Apply

Miles by Discover® Card

A Miles card with no annual fee!

Summary:

APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: Air Miles
Issuer: Discover Bank

    Features:

• 12, 000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
• 1 Mile per $1 on every purchase
• Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
• No limit on the Miles you earn and Miles don't expire*
• Fly on any airline, book any hotel or car, with no blackout dates
• Use Miles for travel, merchandise, gift cards or cash
• 0% intro APR on purchases and balance transfers for 6 months then the regular APR
• No Annual Fee, No Over limit Fee, No Redemption Fee
  
  *View rates, fees, rewards and other important information.

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True Earnings® Card from Costco and American Express

Earn Cash Back with the True Earnings® Card from Costco and American Express.

Summary:

APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 20 Days
Reward Program: Up to 3% Cash Back
Issuer: American Express Co.

    Features:

• No annual fee for Costco members
• 0% intro APR on purchases for six months
• Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
• Rated 4.5 out of 5 stars in Overall Satisfaction Rating, based on feedback from current TrueEarnings(R) Cardmembers from Costco and American Express

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Blue Sky from American Express(SM)

Say good-bye to Travel Reward Restrictions!

Summary:

APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $35.00
Overlimit Fee: N/A
Returned Check Fee: $35.00
Grace Period: 25 Days
Reward Program: Travel Points
Issuer: American Express Co.

    Features:

• No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
• Enjoy travel rewards with no restrictions or blackout dates - earn points redeemable for flights on any airline, stays at any hotel, and car rentals with any company
• Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase
• Feel secure with protection from fraudulent charges and extensions of manufacturer's warranties on eligible purchases
  
  See Terms, Conditions & Disclosures

More info           Apply

Discover® More® Card - Clear

5% Cashback Bonus®*!

Summary:

APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Late Fee: Up to $35
Returned Check Fee: Up to $35
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Issuer: Discover Bank

    Features:

• 0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
• 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
• Up to 1% unlimited Cashback Bonus on all other purchases
• No Annual Fee
  
  *View rates, fees, rewards and other important information.

More info           Apply