Personal Credit Cards with No Annual Fee
For many consumers, a no-annual-fee credit card is a free payment card that they don’t have to pay to keep, as long as they pay off monthly balance on time. Those credit cards allow card members to enjoy a host of benefits at no cost, including credit card bonus, cash back, travel rewards, 0% introductory interest on purchases or balance transfers, etc.
- No annual fee
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
- Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
- You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
- No expiration on rewards
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 12 billing cycles
- Regular APR
- 16.24% - 26.24% Variable APR on purchases and balance transfers
- Annual Fee
- $0
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Comes with chip technology for enhanced security and protection at chip-enabled terminals
- 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
- If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
- Intro APR
- 0% on Purchases
- Intro APR Period
- 12 billing cycles
- Regular APR
- 17.24% - 25.24% Variable APR on purchases and balance transfers
- Annual Fee
- $0
- Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
- Earn unlimited 1.5% cash rewards on purchases
- Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
- No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
- 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- $0 Annual Fee
- Select "Apply Now" to learn more about the product features, terms, and conditions
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 12 months
- Regular APR
- 16.24% - 28.24% (Variable)
- Annual Fee
- $0
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
- Transfer your miles to over 12 leading travel loyalty programs
- Fly any airline, stay at any hotel, anytime
- Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% variable APR after that
- Travel when you want with no blackout dates
- No foreign transaction fees
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Intro APR
- 0% on Purchases
- Intro APR Period
- 12 months
- Regular APR
- 14.24% - 24.24% (Variable)
- Annual Fee
- $0
- Earn unlimited 1.5% cash rewards on all purchases.
- Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
- 10% Anniversary Bonus on all Cash Rewards earned once a year.
- No Annual Fee.
- 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
- No Foreign Transaction Fees.
- $0 liability for unauthorized purchases.
- Terms Apply.
- Intro APR
- 0% on Balance Transfers
- Intro APR Period
- 12 months
- Regular APR
- 15.24%, 19.24% or 25.24% Variable*
- Annual Fee (Rates & Fees)
- $0
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 15 months
- Regular APR
- 16.24% - 26.24% (Variable)
- Annual Fee
- $0
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 16.24% - 26.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 15 months
- Regular APR
- 16.24% - 26.24% (Variable)
- Annual Fee
- $0
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 18 billing cycles
- Regular APR
- 15.24% - 25.24% Variable APR on purchases and balance transfers
- Annual Fee
- $0
- 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa card
- Easy access to your FICO® Credit Score with Wells Fargo Online®
- Zero Liability protection for promptly reported unauthorized transactions
- Convenient tools to help create a budget and manage your spending with My Money Map
- $0 Annual Fee
- Select "Apply Now" to learn more about the product features, terms, and conditions
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 18 months
- Regular APR
- 17.74% - 27.24% (Variable)
- Annual Fee
- $0
- 0% Intro APR on purchases and balance transfers for the first 15 months from account opening. Then a variable APR of 14.24%, 20.24% or 25.24% will apply.
- No Penalty APR.
- Late Fee Waiver.
- No Foreign Transaction Fees.
- $0 Annual Fee.
- $0 liability for unauthorized purchases.
- Terms Apply.
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 15 months
- Regular APR
- 14.24%, 20.24% or 25.24% Variable*
- Annual Fee (Rates & Fees)
- $0
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% - 25.15%, based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 12 months
- Regular APR
- 15.15% - 25.15% Variable
- Annual Fee
- $0
- Pay no annual fee
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help strengthen your credit for the future with responsible card use
- Intro APR
- N/A
- Intro APR Period
- N/A
- Regular APR
- 26.96% (Variable)
- Annual Fee
- $0
- Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
- Low 14.24% variable APR on purchases and cash advances
- NEW - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
- No annual fee
- No foreign transaction fees
- International Chip and PIN
- Intro APR
- 0% on Balance Transfers
- Intro APR Period
- 15 months on balance transfers made within 45 days of account opening
- Regular APR
- 14.24% Variable
- Annual Fee (Rates & Fees)
- $0
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
- Intro APR
- N/A
- Intro APR Period
- N/A
- Regular APR
- 26.99% (Variable)
- Annual Fee
- $0
- 3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
- 1% unlimited cash back on all other purchases
- Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
- 0% Introductory APR on Balance Transfers for your first 12 billing cycles, then your variable APR will be 16.24% to 25.24% based on your creditworthiness
- No international transaction fees on credit purchases
- No Annual Fee
- Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details
- Intro APR
- 0% on Balance Transfers
- Intro APR Period
- 12 billing cycles
- Regular APR
- 16.24% - 25.24% Variable
- Annual Fee
- $0
- Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want.
- Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 14.24% to 25.24% based on your creditworthiness.
- No Penalty Rate (APR) for a missed payment
- No Annual Fee
- Click to apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information.
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 15 billing cycles
- Regular APR
- 14.24% - 25.24% Variable
- Annual Fee
- $0
