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No Annual Fee Credit Cards

The following are the no annual fee credit cards. Enjoy no annual fee, with other great benefits including low introductory APR, rewards, special offers, and more from many of our no annual fee credit cards.


     Chase SapphireSM Card

  • Earn $100 in rewards - that's 10,000 bonus points after your first purchase!

  • Redeem points for travel, gift cards, merchandise, cash back and more

  • 2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases

  • Points never expire and there are no limits on how many points you can earn

  • 24/7 Dedicated service advisors (No voice recording)

  • Premier travel and purchase protection benefits

  • Click here for official application, terms, and details.

Chase Sapphire Card Apply for Chase Sapphire Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 12.24% variable None

     Chase Freedom® Visa - $100 Bonus Cash Back

  • 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 20% cash back when you shop online at select merchants through Chase

  • Click here for official application, terms, and details.

Chase Freedom Visa - $100 Bonus Cash Back Apply for Chase Freedom Visa - $100 Bonus Cash Back Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 12.99% - 22.99% (V)* None

     Citi® Diamond Preferred® Rewards Card

  • $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening

  • 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**

  • 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.

  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more

  • No annual fee

  • Click here for official application, terms, and details.

Citi Diamond Preferred Rewards Card Apply for Citi Diamond Preferred Rewards Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 12 months 12.99% - 20.99%* (Variable) None

     Chase Ink CashSM Business Card

  • 3% cash back at gas stations, restaurants, office supply and home improvement stores

  • 1% cash back on everything else – unlimited

  • Rewards can be redeemed for checks in increments of $50

  • Customized credit line to meet the needs of your business

  • Free additional cards for employees

  • No Annual Fee

  • Click here for official application, terms, and details.

Chase Ink Cash Business Card Apply for Chase Ink Cash Business Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 6 months 11.24% - 17.24% (V)* None

     TrueEarnings® Card from Costco and American Express

  • Earn cash back on gas and a $25 statement credit with your first purchase 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

  • Click here for official application, terms, and details.

TrueEarnings Card from Costco and American Express Apply for TrueEarnings Card from Costco and American Express Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases 6 months 15.24% variable None

     Chase Freedom® Visa - $50 Bonus Cash Back

  • 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 20% cash back when you shop online at select merchants through Chase

  • Click here for official application, terms, and details.

Chase Freedom Visa - $50 Bonus Cash Back Apply for Chase Freedom Visa - $50 Bonus Cash Back Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 12 months on balance transfers, 6 months on purchases* 12.99% - 22.99% (V)* None

     Citi® Platinum Select® MasterCard®

  • 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

  • Click here for official application, terms, and details.

Citi Platinum Select MasterCard Apply for Citi Platinum Select MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 18 months on balance transfers, 12 months on purchases 11.99% - 19.99%* (Variable) None

     Chase FreedomSM Credit Card

  • 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 20% cash back when you shop online at select merchants through Chase

  • Click here for official application, terms, and details.

Chase Freedom Credit Card Apply for Chase Freedom Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 12 months on balance transfers, 6 months on purchases* 12.99% - 22.99% (V)* None

     Citi® Diamond Preferred® Card

  • 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

  • Click here for official application, terms, and details.

Citi Diamond Preferred Card Apply for Citi Diamond Preferred Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 12 months 14.99%* (Variable) None

     Discover More® Card

  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more

  • 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

  • Up to 1% unlimited Cashback Bonus on all other purchases

  • No Annual Fee

  • Click here for official application, terms, and details.

Discover More Card Apply for Discover More Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 15 months on balance transfers, 6 months on purchases 11.99% - 20.99% (V)* None

     Miles Card by Discover®

  • 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

  • Click here for official application, terms, and details.

Miles Card by Discover Apply for Miles Card by Discover Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 6 months 10.99% - 16.99% (V)* None

     Blue Cash® from American Express

  • Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores

  • 0% intro APR on purchases for 6 months and no annual fee

  • Flexibility to pay over time

  • Receive your cash back automatically as a statement credit

  • Click here for official application, terms, and details.

Blue Cash from American Express Apply for Blue Cash from American Express Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases 6 months 17.24% - 21.24% variable None

     Citi® Dividend Platinum Select® MasterCard®

  • Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.

  • 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.

  • Full 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

  • Click here for official application, terms, and details.

Citi Dividend Platinum Select MasterCard Apply for Citi Dividend Platinum Select MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Balance Transfers 15 months 12.99% - 20.99%* (Variable) None

     Blue Sky from American Express®

  • 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

  • Click here for official application, terms, and details.

Blue Sky from American Express Apply for Blue Sky from American Express Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases 6 months 17.24% - 21.24% variable None

     SlateSM from Chase

Slate from Chase Apply for Slate from Chase Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers up to 12 months 13.24% - 22.24% (V)* None

     Citi® mtvU™ Platinum Select® Visa® Card for College Students

  • Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores

  • Earn 1 ThankYou Point for every dollar you spend on all other purchases

  • Earn up to 2000 ThankYou Points twice a year for having a good GPA

  • No Cosigner required

  • Click here for official application, terms, and details.

Citi mtvU Platinum Select Visa Card for College Students Apply for Citi mtvU Platinum Select Visa Card for College Students Online
Intro APR Intro APR Period Regular APR Annual Fee
0% if you qualify* on Purchases 7 months 12.99% - 21.99%* (Variable) None

     Citi Forward® Card

  • 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

  • Click here for official application, terms, and details.

Citi Forward Card Apply for Citi Forward Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% if you qualify on Purchases and on Balance Transfers 12 months on balance transfers and 7 months on purchases 12.99% - 19.99%* (Variable) None

     Citi® Dividend Platinum Select® Card for College Students

  • Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*

  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*

  • Earn a full 1% cash back on all other purchases*

  • No Cosigner Required

  • Click here for official application, terms, and details.

Citi Dividend Platinum Select Card for College Students Apply for Citi Dividend Platinum Select Card for College Students Online
Intro APR Intro APR Period Regular APR Annual Fee
0% if you qualify on Purchases 7 months 12.99% - 21.99%* (Variable) None

     Citi Forward® Card for College Students

  • 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

  • 100 ThankYou Points each billing period that you pay on time and stay under your credit line

  • APR reduction on purchases when using credit wisely

  • No Cosigner required

  • Click here for official application, terms, and details.

Citi Forward Card for College Students Apply for Citi Forward Card for College Students Online
Intro APR Intro APR Period Regular APR Annual Fee
0% if you qualify on Purchases and on Balance Transfers 12 months on balance transfers and 7 months on purchases 12.99% - 19.99%* (Variable) None

     Chase InkSM with Ultimate Rewards

  • Cash back plus a million other redemption options

  • No dollar goes unrewarded

  • No caps and points never expire

  • Unlimited rewards for you or your business

  • When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as Membership Rewards points*

  • No annual fee

  • Click here for official application, terms, and details.

Chase Ink with Ultimate Rewards Apply for Chase Ink with Ultimate Rewards Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 6 months 11.24% - 17.24% (V)* None
Chase Sapphire Card
How to ...
   Boost your credit score
   Apply for business credit cards
   Access your credit reports for free
   Choose and use credit cards
   Dispute a credit card bill
   Fight back against identity theft
What is ...
   The history of credit cards
   The meaning of credit card numbers
   The basics of credit scores
   Credit report says about you
   Truth of credit card loss protection
Credit Card Terminology
     Balance Transfer
     Cash Advance Check
     Annual Percentage Rate (APR)
     Introductory Rates
     Variable Interest Rate
     Prime Rate
     Periodic Rate
     Average Daily Balance
     Credit Limit
     Grace Period
     Minimum Monthly Payment
     Monthly Finance Charge
     Credit Score
     Pre-Approved
     Secured Credit Card
 
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