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No Annual Fee Cards

The cards on the following list attract no annual fee, but do have other charges and terms and conditions attached to them. Check these carefully to find the card offering the best deal for you.

, we found 66 Cards - Sort Card Offers or Compare

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[21] IberiaBank Visa® Classic

More Info

- No annual membership fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Online access to credit card account information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
1.99%*	6 months*	up to 13.25% from 7.25% (Variable)*	$0.00*	25 days*	Good*

[22] Citi® Diamond Preferred® Card

Terms | More Info

- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
- Concierge service that caters to your needs 24/7
Citi Identity Theft Solutions
- Secure, free online account management
- No annual fee*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	12 months*	14.99% (Variable)*	$0.00*	20 days*	Good*

[23] Citi® Diamond Preferred® Rewards Card

Terms | More Info

- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	12 months*	12.99% - 20.99% (Variable)*	$0.00*	20 days*	Good*

[24] Citi® Dividend Platinum Select® Card

Terms | More Info

- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5% cash back at restaurants and on car rentals and hotels. Enrollment required each quarter.
- 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center
- No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	15 months*	12.99% - 20.99% (Variable)*	$0.00*	20 days*	Good*

[25] Citi® Platinum Select® MasterCard®

Terms | More Info

- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi Identity Theft Solutions
- Secure, free online account management
- No annual fee*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	11.99% - 19.99% (Variable)*	$0.00*	20 days*	Good*

[26] Total Merrill℠ Cash Back Card

More Info

- 1% Cash Back on Virtually All Purchases
- No Annual Fee
- Low 9.99% APR for Retail Purchases
- Credit Line may be as high as $250,000
- Cash Back Rewards Can be Deposited Directly into Your Merrill Lynch Account
- Receive a response in 60 seconds

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
1.9%*	12 months*	9.99%*	$0.00*	25 days*	Good*

[27] Chase Freedom℠ MasterCard - $100 Bonus Cash Back

Terms | More Info

- Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 10% cash back when you shop online at select merchants through Chase

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	N/A*	22.99%, 17.99% or 12.99% (Variable)*	$0.00*	20 days*	Good*

[28] Discover® Motiva(SM) Card

Terms | More Info

- Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
- 3.99% intro APR on purchases for a full 12 months , then the Regular APR

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
3.99%*	See T&C*	11.99% - 20.99% (Variable)*	$0.00*	25 days*	Good*

[29] True Earnings® Business Card from Costco and American Express

More Info

- Who is this card for? This card is ideally suited for businesses that:
- Are established, cash flow positive and have an excellent credit history.
- Have revenue in the 6 to 7-figure range that want more flexibility to manage cash flow, purchase materials and handle other business expenses.
- Straight cash back - 4% for annual gasoline purchases of up to $6,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- 0% introductory APR on purchases for the first 6 months
- No annual fee with your paid Costco Membership
- Flexible payments - pay in full or over time
- No annual fee for Additional Cards

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	up to 6 months on Purchases*	15.24%*	$0.00*	20 days*	Good*

[30] Chase Continental Airlines OnePass® Plus Card

More Info

- Pay No Annual Fee the first year. That's a savings of $85.
- 25,000 bonus miles after your first purchase. That's enough for a round-trip reward within the United States (excluding Hawaii)
- Earn an additional 5,000 bonus miles after your first purchase and when you add an authorized user within 2 months of your account opening
- 10,000 bonus miles annually when you spend $25,000 on your Card
- First Checked Bag Free - With the OnePass® Plus Card, you and your companions on the same reservation don't pay for your first checked bag when flying on Continental-operated flights. That can save a family of four up to $200 per round trip.
- Earn two miles for every $1 spent when you purchase tickets from Continental Airlines on your Card
- Earn one mile for every $1 in purchases charged on your Card
- Redeem Miles for Car and Hotel Rewards exclusively as a Cardmember.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	N/A*	14.24% (Variable)*	$0.00*	21 days*	Good*

[31] Chase Slate℠ Vertical Card with Blueprint

Terms | More Info

- 0% intro APR for up to 12 months
- No Annual Fee
- New innovative card design
- BlueprintSM free and customizable account features that help you avoid unnecessary interest and pay your balances down faster

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	13.24%, 17.24%, 22.24% (Variable)*	$0.00*	20 days (Min.)*	Good*

[32] FREE SPIRIT™ Onyx World MasterCard®

More Info

- 15,000 bonus miles after your first purchase - which is enough for 3 FREE roundtrip off-peak award tickets
- 10,000 additional miles for balance transfers made in the first 60 days after account opening
- Annual fee waived for the first year
- Complimentary $9 Fare Club membership (a $39.95 value!)
- Priority boarding and domestic priority check-in
- 3 miles for every $1 spent on Spirit and 1 mile for every $1 spent anywhere else
- Your miles never expire and more

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	6 months*	15.24%*	$0.00*	23 days*	Good*

[33] Discover® More® Card - $75 Cashback Bonus®

More Info

- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	11.99% - 20.99% (Variable)*	$0.00*	25 days*	Good*

[34] Discover® More® Card - Black

More Info

- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 9 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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	11.99% - 20.99% (Variable)*	$0.00*	25 days*	Good*

[35] Discover® Mix Tape Student Card

More Info

- Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
- 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	6 months*	as low as 13.99% (Variable)*	$0.00*	25 days*	Good*

[36] Citi Forward® Card

Terms | More Info

- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
- 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- No Annual Fee.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	12.99% - 19.99% (Variable)*	$0.00*	20 days (Min.)*	Good*

[37] AT&T Universal Business Rewards Card

Terms | More Info

- 0% APR on Purchases for 6 Months
- Earn 5 ThankYou Points For Every Dollar You Spend On Eligible AT&T Products and Services
- Earn 3 ThankYou Points For Every Dollar Spent On Purchases at Certain Office Supply Merchants, Gas Stations, and On Professional Services
- 1 ThankYou Point For Every Dollar Spent On Other Purchases
- Additional Cards For Employees With Credit Limits You Set
- No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	6 months*	16.99% (Variable)*	$0.00*	20 days*	Good*

[38] PenFed Promise VISA Card

Terms | More Info

- Absolutely No Fees!
- Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
- No Balance Transfer Fees
- No Foreign Transaction Fees!
- Some restrictions apply.
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It's easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
7.49%*	36 months*	9.99% (Variable)*	$0.00*	25 days*	Good*

[39] PenFed Visa Platinum Gas / Cash Rewards Card

Terms | More Info

- 13.99% APR – Lower than most rewards cards!
- Earn 2.00% Cash Back on Supermarket Purchases*
- Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
- Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
- No Balance Transfer Fees
- Up to $50,000 Limit
- No Annual Fee
- Cash Rewards Credited Each Month
- No Special Restrictions to Earn Your Cash Rewards
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It's easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
4.99%*	24 months*	13.99%*	$0.00*	25 days*	Good*

[40] Chase Freedom℠ Visa Card - $50 Bonus Cash Back

Terms | More Info

- Earn $50 Bonus Cash Back after first purchase
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 10% cash back when you shop online at select merchants through Chase

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	6 months*	Prime +9.74%, +14.74%, or P+ 19.74% (Variable)*	$0.00*	20 days*	Good*

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* Always review the online application for details about terms and conditions of the offer. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty.

** Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.

Security Note: All Applications feature Secure SSL Technology.

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