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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.
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases and on Balance Transfers |
until February 2013 |
12.9% - 20.9% variable |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases |
until February 2013 |
11.9% - 19.9% variable |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| N/A |
N/A |
15.24% Variable |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| N/A |
N/A |
15.99% - 22.99% (Variable) |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| N/A |
N/A |
15.99% - 22.99%* (Variable) |
None |
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Citi ThankYou® Preferred Rewards Card - $250 in Gift Cards
$250 gift card - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 3 months of account openingEarn 1 point for every $1 you spend on all purchasesReceive an anniversary bonus every year you're a cardmemberNo expiration and no limit on the points you can earnRedeem ThankYou Points for merchandise, travel rewards, gift cards, cash and moreNo annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| N/A |
N/A |
12.99% - 22.99%* (Variable) |
None |
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Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back
$200 cash back after $500 in purchases within the first 3 months of account opening5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollmentEach quarter, you can enroll to earn additional cash back in popular categories5% average cash back at select merchants through Citi Bonus Cash Center®Full 1% cash back on all other purchases and eligible cash advancesNo annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| N/A |
N/A |
15.99% - 22.99%* (Variable) |
None |
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| 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 |
as low as 11.99% Variable |
None |
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| 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 |
11.99% - 22.99% Variable* |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases |
12 months |
17.24% - 22.24% variable |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases and on Balance Transfers |
until May 2013 |
10.9% - 18.9% variable |
None |
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Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
$100 cash back after $500 in purchases within the first 3 months of account opening0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollmentEach quarter, you can enroll to earn additional cash back in popular categoriesFull 1% cash back on all other purchases and eligible cash advancesNo annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases and on Balance Transfers* |
12 months* |
12.99% - 22.99%* (Variable) |
None |
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Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards
$150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*Enjoy no limit on the number of points you can earnRedeem ThankYou Points for merchandise, travel rewards, gift cards, cash and moreNo annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| N/A* |
N/A* |
12.99% - 22.99%* (Variable) |
None |
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Discover® More® Card - Balance Transfer Fee*
0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*Discover is ranked #1 in customer loyalty - 15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)24/7 access to a U.S.-based Account Manager within 60 seconds$0 Fraud Liability plus automatic mobile and email fraud alert optionsGreat rewards with no annual fee, no rewards redemption fee, and no additional card fee*Click apply to view rates, fees, rewards, limitations and other important information
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Purchases and on Balance Transfers |
18 months on balance transfers*, 6 months on purchases* |
10.99% - 20.99% (Variable)* |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases and on Balance Transfers |
6 months |
13.24% Variable* |
None |
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Citi® Hilton HHonors™ Visa Signature® Card
Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*Earn 6 Hilton HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio*Earn 3 Hilton HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*Earn 2 Hilton HHonors Bonus Points for each $1 spent on all other purchases.*No Annual Fee.*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| N/A |
N/A |
14.24% or 16.24%* (Variable) |
None |
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Discover® Open Road Card
Receive a $150 Restaurant.com Gift Certificate with first purchase0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*2% automatically at any gas station and any restaurant all year long*Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.comDiscover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)24/7 access to a U.S.-based Account Manager within 60 secondsGreat rewards with no annual fee, no rewards redemption fee, and no additional card fee*Click apply to view rates, fees, rewards, limitations and other important information
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Purchases and on Balance Transfers |
12 months* |
10.99% - 20.99% (Variable)* |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases |
6 months |
15.24% variable |
None |
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Citi Simplicity® Card
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.Peace of mind through direct access to a service representative, no late fees and no penalty rateNo annual fee
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Balance Transfers and Purchases* |
18 months* |
12.99% - 21.99%* (Variable) |
None |
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Citi® Platinum Select® Visa®
0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and moreCiti® Identity Theft SolutionsNo annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Balance Transfers and Purchases* |
18 months* |
11.99% - 21.99%* (Variable) |
None |
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Citi® Platinum Select® MasterCard®
0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and moreCiti® Identity Theft SolutionsNo annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Balance Transfers and Purchases* |
18 months* |
11.99% - 21.99%* (Variable) |
None |
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Citi® Diamond Preferred® Card
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much moreSpecial access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®$0 liability on unauthorized purchases and Citi® Identity Theft SolutionsNo annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Balance Transfers and Purchases* |
18 months* |
11.99%-21.99%* (Variable) |
None |
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Discover® More® Card
0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.comDiscover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)24/7 access to a U.S.-based Account Manager within 60 seconds$0 Fraud Liability plus automatic mobile and email fraud alert optionsGreat rewards with no annual fee, no rewards redemption fee, and no additional card fee*Click apply to view rates, fees, rewards, limitations and other important information
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Purchases and on Balance Transfers |
15 months* |
10.99% - 20.99% (Variable)* |
None |
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Miles by Discover® Card
Earn up to $120 in travel rewards - 1,000 Bonus miles every month you make a purchase for the first year1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*No restrictions on travel - fly on any airline, book any hotel or car, with no blackout datesTravel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover cardDiscover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)Great rewards with no annual fee, no rewards redemption fee, and no additional card fee*Click apply to view rates, fees, rewards, limitations and other important information
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Purchases and on Balance Transfers |
6 months* |
10.99% - 16.99% (Variable)* |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases and on Balance Transfers |
up to 15 months |
11.99% - 21.99% variable |
None |
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Citi Forward® Card
$100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchasesAPR reduction on purchases when using credit wiselyNo Annual Fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Purchases and on Balance Transfers* |
12 months on balance transfers* and 7 months on purchases* |
12.99% - 22.99%* (Variable) |
None |
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Citi® Dividend Platinum Select® Card for College Students
No Cosigner RequiredEarn 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*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases* |
7 months* |
13.99% - 21.99%* (Variable) |
None |
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Citi Forward® Card for College Students
No Cosigner requiredAPR reduction on purchases when using credit wisely 100 ThankYou Points each billing period that you pay on time and stay under your credit limitEarn 1,000 points after you sign up for paperless statements within the first 3 months of account opening
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases* |
7 months* |
13.99% - 22.99%* (Variable) |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases |
12 months |
17.24% - 22.24% variable |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| N/A |
N/A |
24.9% variable |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases |
up to 12 months |
12.24% – 19.24% Variable |
None |
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Purchases and on Balance Transfers |
6 months |
13.24% Variable |
None |
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