No Annual Fee Credit Cards

No-Annual-Fee.com focuses on choice no annual fee credit cards:
To help you in making an educated decision, we collected and organized the most popular "fee-less" credit cards from the Internet. Some credit card issuers (usually banks) charge the cardholder (you!) an annual fee just for having their credit cards...

Why pay an ANNUAL FEE, when you can save yourself this unnecessary expense?
Well, there are certain situations when you should pay an annual fee, to get bonuses or for special features. You might find it beneficial to enroll in a credit card reward program, which could justify an annual fee, in this case, the more you use the card, the more rewards you'll get. Rewards can be free airline miles, cash-back, gift certificates, and more. On the other hand, if you are not looking for these kinds of credit card rewards then do not pay for an unnecessary expense. Instead, choose a card with no annual fee.

To get the best of both worlds,
you can get a credit card that pays you cash back even without charging you an annual fee. Using our navigation bar on the left, you can simply research the various credit card offers on this web site. We have also listed some of the better cards that charge an annual fee, to give you a choice, in case you are considering paying for various rewards. Once you picked the card(s) you like, you can apply online, as credit card application forms are just a click away from this page.

Blue from American Express®

Annual Fee: None Ongoing APR: As low as Prime + 6.99% (Currently 10.99%)

0% APR for up to 12 months - Get Blue from American Express® 0% APR on purchases for up to 12 months No Annual Fee Low Balance Transfer APR — 2.99% Fixed APR for 12 months Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences. Membership Rewards Express® program Express Approval. Get a decision in less than 60 seconds. Get More Info         Apply

Citi CashReturnsSM Card

Annual Fee: None Ongoing APR: As low as Prime + 4.99% (Currently 8.99%)

Cash back, without limits. Earn up to 6% Cash Back on purchases* Earn a 20% Bonus on the Cash Back Earned on all purchases for the first 12 months* Checks will be sent automatically every time you earn $50 — no calling necessary 0% APR* on balance transfers for up to 12 months No Annual Fee *See Terms and Conditions. Get More Info         Apply

Chase Free Cash RewardsSM Visa® Card

Annual Fee: None Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*

A decision that's easy to make: FREE CASH! Earn 1 point for every eligible $1 in purchases* 1,000 Bonus Points* with your first purchase Intro 0% Fixed APR for up to 12 months* No Annual Fee Get your rewards with as few as 2500 points Choose from either a $25 check or a $25 gift card/certificate *See Pricing & Terms. Get More Info         Apply

Chase PerfectCard™ MasterCard®

Annual Fee: None* Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*

SAVINGS YOU CAN TAKE ON THE ROAD - SAVE 6%! 6% rebates on ALL gas purchases at ANY gas station for the first 90 days* 3% rebates on ALL gas purchases at ANY gas station after the first 90 days* 1% rebates on ALL other purchases made anywhere else* 0% Intro APR* for up to 6 months* No Annual Fee *See Pricing & Terms. Get More Info         Apply

Chase Flexible RewardsSM Platinum Visa®

Annual Fee: None Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*

Your choice. Your chase. Earn 1 point for every dollar spent* Earn airline tickets, hotel stays or car rentals. 0% introductory APR* for up to 12 months The time period for the intro APR and balance transfers to which it will apply will be based on review of your application and credit history No Annual Fee *See Pricing & Terms. Get More Info         Apply

Blue Cash® from American Express®

Annual Fee: None Ongoing APR: As low as Prime + 7.99% (Currently 11.99%)

Earn up to 5% cash back on everyday purchases - even gas! Up to 5% Cash Back with Unlimited Cash Rewards* Earn unlimited cash back 0% Intro APR for 12 months on purchases Low Balance Transfer rate - 2.99% fixed APR for 12 months No Annual Fee Express Approval. Get a decision in less than 60 seconds. *See Terms, Conditions & Disclosures Get More Info         Apply

Capital One® No Hassle MilesSM Rewards - Good Credit

Annual Fee: None Ongoing APR: Variable 13.90%

Earn miles 25% faster than with regular miles cards! Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases There's no limit to the miles you can earn and your miles won't expire There are no blackout dates and no seat restrictions Save with a 0% intro APR on purchases until October 2009 No annual fee *See website for Disclosures. Get More Info         Apply

AARP Rewards Platinum Visa® Card

Annual Fee: None Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*

A full 1% back for every dollar you spend. Earn one reward point for every dollar you spend.* 0% APR for up to 6 months and pay no annual fee.* No telemarketing calls. Zero unauthorized liability. Exclusive discounts for AARP Platinum Visa cardmembers. Automatic AARP Rewards Platinum Visa card benefits. *See Pricing & Terms. Get More Info         Apply

HSBC Weekend Card

Annual Fee: None Ongoing APR: As low as 8.99%

Cash back on all purchases, all the time—double cash back on weekends. Earn a full 2% cash back on every single credit card purchase made on Saturdays and Sundays 1% cash back on every single credit card purchase made Monday through Friday Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance 0% Introductory APR on balance transfers for 12 months* No annual fee *See terms & conditions. Get More Info         Apply

Discover® Business Card

Annual Fee: None Ongoing APR: 13.99% Fixed

Apply for Discover® Business Card. Earn $100 Cashback Bonus when you apply now** 0% Intro APR for 12 months on purchases and 3.9% intro APR for 6 months on balance transfers 5% Cashback Bonus® on office supplies, 2% on gas, up to 1% on all other purchases No Annual Fee Fee-free Purchasechecks that earn Cashback Bonus®. to pay merchants who don't accept credit cards Free employee cards with customizable limits and monthly reporting on their spending *View rates, fees, rewards and other important information. Get More Info         Apply

Discover® More® Card

Annual Fee: None Ongoing APR: As low as 10.99%

Make your money worth More.SM* 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more 5% to 20% Cashback Bonus® at top online retailers* Up to 1% Cashback Bonus®on all other purchases automatically Unlimited cash rewards* Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners* 0% Intro APR* Fraud specialists dedicated to helping you 24/7 Timely e-mail reminders to help you avoid fees *View rates, fees, rewards and other important information. Get More Info         Apply

Discover® More® Card - Sealife Collection

Annual Fee: None Ongoing APR: As low as 10.99%

Choose Your Sealife Card Design! 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more 5% to 20% Cashback Bonus® at top online retailers* Up to 1% Cashback Bonus®on all other purchases automatically Unlimited cash rewards* Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners* Easy online account options that put you in control Timely e-mail reminders to help you avoid fees *View rates, fees, rewards and other important information. Get More Info         Apply

Visa® Business Platinum with No Hassle CashSM

Annual Fee: None Ongoing APR: As low as 15.67%

Enjoy the convenience of cash rewards! 0% APR on purchases until December 2009 0% APR on transferred balances until December 2009 Earn 1% cash back on everything you buy from day one Get a 25% bonus each year on the cash you earned the previous year No Hassle Cash is easily and quickly redeemable online or by phone No Annual Fee *See website for terms and conditions. Get More Info         Apply

HSBC Platinum MasterCard® with Cash Back Rewards

Annual Fee: None Ongoing APR: As low as 8.99%

If you prefer cash back to reading the fine print, this card is for you. Earn an unlimited 1% cash back on every single purchase Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance 0% Intro APR on balance transfers for the first 12 months* No annual fee *See terms & conditions. Get More Info         Apply

IberiaBank Visa® Gold Cash Back Rewards Card

Annual Fee: None Ongoing APR: As low as Prime + 4.00% (Currently 8.00%)

Low variable rates, plus 1% cash back! 1% cash back on everything you buy from day one. No limit on cash back; no expiration for the life of your account No minimum to redeem for cash No annual membership fee Download the Terms & Conditions here. Get More Info         Apply

Advanta Customizable BusinessCard with Unlimited Rewards

Annual Fee: None Ongoing APR: Prime + 2.74%

A business credit card, now with your favorite image on it. 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter* 7.99% Variable APR (based on Prime) on Purchases NEW! Unlimited Rewards* Earn cash back, travel, merchandise and more No Annual Fee and No Limit on the points you can earn Get employee cards with no fee and set spending limits per user $0 Fraud Liability Personalized card -- your company name on the card, plus logo or other image! * See website for Terms and Conditions. Get More Info         Apply

Fidelity Investments Rewards Visa Signature® Card with WorldPoints® Rewards

Annual Fee: None Ongoing APR: Fixed 14.99*

Make this Card Part of Your Investment Strategy. Earn one point for every dollar in net retail purchases. No annual fee Choose to redeem your WorldPoints® rewards as Investment Dollars, which can be directly added into your eligible Fidelity Account.* Card issued by FIA Card Services, N.A. *See website for complete Terms and Conditions of card usage and application disclosure. Get More Info         Apply

Blue Cash® for Business Credit Card

Annual Fee: None Ongoing APR: As low as Prime + 2.99% (Currently 6.99%)

Blue Cash® for Business Credit Card from OPENSM the small business team Up to 5% Cash Back on virtually all purchases No limit to the cash back you can earn No anual fee 0% Intro APR for first 6 months Option to pay over time or pay in full Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more. Earn cash back on purchases made by Additional Cardholders Get More Info         Apply

AT&T Universal Savings Platinum Card

Annual Fee: None Ongoing APR: As low as Prime + 3.99% (Currently 7.99%)*

The innovation that saves you 10% on all the others. Up to 10% savings for the first 12 months on AT&T purchases* Plus AT&T calling benefits*: Up to 30 free phone minutes each month 0% APR on balance transfers for up to 12 months* No annual fee *See Terms and Conditions. Get More Info         Apply

Discover® More® Card - American Flag

Annual Fee: None Ongoing APR: As low as 10.99%

Patriotic, American Flag Design! 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more 5% to 20% Cashback Bonus® at top online retailers* Up to 1% Cashback Bonus®on all other purchases automatically Unlimited cash rewards* Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners 0% Intro APR* *View rates, fees, rewards and other important information. Get More Info         Apply

Discover® More® Card - Wildlife Collection

Annual Fee: None Ongoing APR: As low as 10.99%

Choose from different Wildlife Card Designs! Unlimited cash rewards* 5% to 20% Cashback Bonus® at top online retailers* Turn your Cashback Bonus® into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners* 0% Intro APR* Talk to a knowledgeable person in less than a minute $0 fraud liability guarantee Advanced fraud early warning alerts Secure online account numbers Fraud specialists dedicated to helping you 24/7 *View rates, fees, rewards and other important information. Get More Info         Apply

Citi® Diamond Preferred® Rewards Card

Annual Fee: None Ongoing APR: As low as Prime + 5.49% (Currently 9.49%)

For every passion, there's a reward. 0% APR* on balance transfers for up to 12 months 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases* No annual fee and FREE rewards program Citi® Identity Theft Solutions Price Protection Program $0 Liability on unauthorized purchases *See Terms and Conditions. Get More Info         Apply

Platinum Business Credit Card from American Express®

Annual Fee: None Ongoing APR: As low as Prime + 2.99% (Currently 6.99%)

Platinum Business Credit Card from OPEN® the Small Business Team Option to enroll in the Membership Rewards Express® Program fee-free There's no limit to the number of points you can earn Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more 0% APR for the first 12 months No annual fee and fee-free Additional Cards Balance Transfer APR: 4.99%* Get a decision in less than 60 seconds Easy, 1-page online application *View Terms & Conditions. Get More Info         Apply

Citi® Diamond Preferred® Card

Annual Fee: None Ongoing APR: As low as Prime + 3.74% (Currently 7.74%)*

Apply now — it's in your best interest! 0% APR* on balance transfers and purchases for up to 12 months No annual fee Citi® Identity Theft Solutions $0 Liability on unauthorized purchases Secure, free online account management Balance transfer fee applies with this offer *See Terms and Conditions. Get More Info         Apply

Bank of America® Accelerated Rewards™ American Express® Card

Annual Fee: None Ongoing APR: Between 9.99% and 19.99%

Everyday life has its own rewards.™ Earn rewards faster with 1.25 points for every net retail purchase dollar* 0% Intro Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles. No Annual Fee and the flexibility to pay over time Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates* Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more. Free 24/7 Concierge Service Access to more than 2,200 American Express Travel Services locations worldwide to help you Card issued by FIA Card Services, NA. *See important rate and fee information. Get More Info         Apply

Bank of America® WorldPoints® Platinum Plus® MasterCard®

Annual Fee: None Ongoing APR: Between 9.99% and 19.99%

The WorldPoints credit card gives you a world of choice. Earn 1 point for every net retail purchase dollar spent and redeem your points for travel, merchandise, gift certificates, and cash* Introductory 0%* APR for Balance Transfers* and Direct Deposits through your first 15 billing cycles. No Annual Fee and Rewards start at 2,500 points* Card issued by FIA Card Services, N.A. *See website for important rate and fee information. Get More Info         Apply

Discover® More® Card - Clear

Annual Fee: None Ongoing APR: As low as 10.99%

5% Cashback Bonus®*! Unlimited cash rewards* 5% to 20% Cashback Bonus® at top online retailers* Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners* Talk to a knowledgeable person in less than a minute 0% Intro APR* *View rates, fees, rewards and other important information. Get More Info         Apply

Discover® Open Road® Card

Annual Fee: None Ongoing APR: As low as 10.99%

5% Cashback Bonus® on gas and auto maintenance purchases 0% Intro APR* Save at the pump and everywhere else.* 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month - up to $1,200 in purchases each year 5% to 20% Cashback Bonus® at top online retailers* Up to 1% Cashback Bonus® on all other purchases Unlimited cash rewards* Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners Get More Info         Apply

Citi® Platinum Select® MasterCard®

Annual Fee: None Ongoing APR: As low as Prime + 3.49% (Currently 7.49%)

We'd like to peak your interest, not your interest rate. 0% APR* on balance transfers and purchases for up to 12 months No annual fee Citi® Identity Theft Solutions $0 Liability on unauthorized purchases Secure, free online account management *See Terms and Conditions. Get More Info         Apply

Disney Rewards® Visa® Card from Chase

Annual Fee: None Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*

Get a variety of magical rewards no other card can match! No Annual Fee 0% Intro APR for up to 12 months* No Block-out Dates Visa® Platinum Benefits *See Pricing & Terms. Get More Info         Apply

Blue Sky® from American Express®

Annual Fee: None Ongoing APR: As low as Prime + 7.99% (Currently 11.99%)

Say good-bye to Travel Reward Restrictions! 0% Intro APR for up to 12 months on purchases Low Balance Transfer APR - 2.99% for 12 months Earn 1 point for every dollar you spend Points good on any airline, hotel, car rental and more. No blackout dates or travel restrictions Express Approval. Get a decision in less than 60 seconds. See Terms, Conditions & Disclosures Get More Info         Apply

Clear from American Express®

Annual Fee: None Ongoing APR: As low as Prime + 8.99% (Currently 12.99%)

Clear has absolutely no fees. 0.00% Intro APR for up to 12 months 3.99% fixed APR on balance transfers Automatic Rewards Flexibility to pay over time User-friendly credit report and score American Express World-Class customer service Get More Info         Apply

HSBC Platinum MasterCard® with Cash or Fly Rewards

Annual Fee: None Ongoing APR: As low as 8.99%

Two compelling rewards: cash back or travel. Earn one point for every dollar of net retail purchases, everywhere you shop Redeem points for roundtrip airfare with no blackout dates with as little as 7,500 points Or redeem points for 1% cash back Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualifying applicants* No annual fee, for qualifying applicants *See terms & conditions. Get More Info         Apply

Brighter Planet™ Visa® Credit Card

Annual Fee: None Ongoing APR: As low as Fixed 9.99%*

Earn points with every purchase to offset carbon dioxide (CO2) emissions! Automatic point redemptions to help build renewable energy projects 1 EarthSmart Point for every $1 net retail 1,000 EarthSmart bonus points with first transaction 1,000 EarthSmart bonus points for signing up for paperless statements 0% introductory APR for balance transfers and cash advance checks for your first 12 billing cycles* Card issued by FIA Card Services, N.A. * See website for important rate and fee information. Get More Info         Apply

NASCAR RacePointsSM Platinum Plus® Visa® Card

Annual Fee: None Ongoing APR: As low as Fixed 9.99%*

Rewards at Every Turn. Introductory 0% Annual Percentage Rate (APR) for Cash Advance Checks and Balance Transfers* through your first twelve billing cycles. Earn NASCAR RacePoints® every time you make a purchase. No annual fee. Online Banking Service Total Security Protection® Card issued by FIA Card Services, N.A. *See important rate and fee information. Get More Info         Apply

Wyndham Rewards MastercardSM

Annual Fee: None Ongoing APR: As low as Fixed 9.99%*

More ways to earn! More ways to Reward yourself. Low APR Hotel Rewards No Annual Fee Balance Transfers Good to Excellent Credit Required Card issued by FIA Card Services, NA. *See website for important rate and fee information. Get More Info         Apply

Citi PremierPassSM Card

Annual Fee: None Ongoing APR: As low as Prime + 6.99% (Currently 10.99%)

Fly wherever and whenever you want. Earn 10,000 Bonus ThankYou® Points after $300 in purchases—enough for a $100 gift card* Earn 1 point for every dollar spent on all purchases* Earn 1 point for every 3 miles you fly on any airline* Earn 1 point for every 3 miles friends and family fly on tickets purchased with your card* Redeem points for cruises, hotels, car rentals, gift cards and more with ThankYou Network, a free rewards program brought to you by Citi* *See Terms and Conditions. Get More Info         Apply

American Express SimplyCashSM Business Card

Annual Fee: None Ongoing APR: As low as Prime + 0.00% (Currently 4.00%)

No limit to the cash back you can earn: It's automatic every month... Earn 5% cash back on office supplies and wireless services. Earn 3% cash back on automobile gas purchases and 1% of virtually all other purchases. Cash back is automatically credited to the statement each month 0% intro APR for up to 12 months Additional Cards have no annual fee Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more Automatic cash back every month Get More Info         Apply

BoatU.S. WorldPoints® Platinum Plus® Visa®

Annual Fee: None Ongoing APR: As low as Fixed 9.9%*

Bonus points for "marine" net retail transactions. No annual fee. Absolute fraud protection Online access and 24-hour service Access to the MyConciergeSM service, a unique personal assistance service Introductory 0% Annual Percentage Rate (APR)* for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.* (subject to a 3% transaction fee, no less than $10). *See website for important rate and fee information. Get More Info         Apply

Miles by Discover® Card

Annual Fee: None Ongoing APR: As low as 10.99%

A Miles card with no annual fee! Book any travel, anytime with no blackout dates or restrictions Double Miles on up to $3,000 in travel and restaurant purchases each year 1 Mile for every $1 on all your other purchases - personal and business Unlimited Miles that never expire as long as you use your card Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash 0% Intro APR* *View rates, fees, rewards and other important information. Get More Info         Apply