No Annual Fee Credit Card Offers
These are some of the best credit cards with NO Annual Fee. If you are not planning on carrying a balance and are not interested in perks either, this might be one of the most important aspects of a credit card for you. Nevertheless, you may find some great "no annual fee" cards with various rewards and competitive rates also.
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 + 11.99% (Currently 15.24%)
Ongoing APR: 17.24%-21.24% Variable
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 25 Days
Credit Line: Up to $100,000
Annual Fee: None
APR for Balance Transfers: As low as Prime + 11.99% (Currently 15.24%)
Ongoing APR: 17.24%-21.24% Variable
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 25 Days
Credit Line: Up to $100,000
Annual Fee: None
Discover® More® Card
Make your money worth More.SM*
Summary:
APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 11.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None
APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 11.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None
Features:
- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 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.
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
Ongoing APR: 15.24% Variable
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $19-$39
Overlimit Fee: $29.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Annual Fee: None
APR for Balance Transfers: 15.24
Ongoing APR: 15.24% Variable
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $19-$39
Overlimit Fee: $29.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Annual Fee: None
Features:
- Earn cash back on gas and a $25 statement credit with your first made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
Discover® More® Card - Clear
5% Cashback Bonus®*!
Summary:
APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 11.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None
APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 11.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None
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.
Blue Sky® from American Express®
Say good-bye to Travel Reward Restrictions!
Summary:
APR for Balance Transfers: As low as Prime + 11.99% (Currently 15.24%)
Ongoing APR: 17.24%-21.24% Variable
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 25 Days
Annual Fee: None
APR for Balance Transfers: As low as Prime + 11.99% (Currently 15.24%)
Ongoing APR: 17.24%-21.24% Variable
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 25 Days
Annual Fee: None
Features:
- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates — get points for flights on any airline, stays at any hotel, and car rentals with any company
See Terms, Conditions & Disclosures
Miles by Discover® Card
A Miles card with no annual fee!
Summary:
APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 10.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10)*
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None
APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 10.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10)*
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None
Features:
- 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year
- Double Miles on your first $3,000 in travel and restaurant purchases each year
- Double Miles through our exclusive online shopping site
- One Mile for every dollar on all other purchases
- Flexible redemption options for travel, gift cards, or cash
- 0% intro APR on balance transfers and purchases for 6 months, then the Regular APR
*View rates, fees, rewards and other important information.