RedditFor 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.
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 15 months
- Regular APR
- 15.74% - 25.74% (Variable)
- Annual Fee
- $0
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Intro APR
- 0% on Balance Transfers
- Intro APR Period
- 18 months
- Regular APR
- 16.24% - 26.24% (Variable)
- Annual Fee
- $0
- You will earn an additional 1.5% cash rewards on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- You can enjoy 6.5% cash rewards on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash rewards on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash rewards on Chase travel purchased through Ultimate Rewards®, 3% cash rewards on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash rewards on other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Rewards rewards do not expire as long as your account is open!
- You can enjoy 0% introductory interest for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%.
- Pay no annual fee - You won't have to pay an annual fee for the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you track your credit with free access to your latest score, real-time alerts, and more.
- Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
- No Annual Fee
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn 1 AAdvantage® mile for every $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
- Intro APR
- N/A
- Intro APR Period
- N/A
- Regular APR
- 18.24% - 27.24% (Variable)
- Annual Fee
- $0
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 15.99% - 25.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Intro APR on Purchases
- 0% for 12 months on purchases
- Intro APR on Transfers
- 0% for 21 months on qualified balance transfers
- Regular APR
- 15.99% - 25.99% (Variable)
- Annual Fee
- $0
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- Intro APR
- N/A
- Intro APR Period
- N/A
- Regular APR
- 17.49% (Variable)
- Annual Fee
- $0
- You will earn 100,000 Hilton Honors Bonus Points after spending $1,000 in purchases on the Card within the first 3 months of Card Membership. Plus, you can earn up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership.
- You will earn 7X Hilton Honors Bonus Points per dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
- You will earn 5X Hilton Honors Bonus Points per dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- You will earn 3X Hilton Honors Bonus Points for other eligible purchases on your Card.
- Pay no foreign transaction fees. You can enjoy international travel without additional fees on purchases made abroad.
- You can enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
- Pay no annual fee.
- Terms Apply.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 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.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- New longer intro period! 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, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 18 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- New longer intro period! 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, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 18 billing cycles
- Regular APR
- 16.24% - 26.24% Variable APR on purchases and balance transfers
- Annual Fee
- $0
- Pay no annual fee and no foreign transaction fees
- You will earn a bonus of 20,000 miles after spending $500 on purchases within the first 3 months of account opening, redeemable for $200 in travel
- You will earn unlimited 1.25 miles per dollar on all purchases
- Miles won't expire and there's no cap on how many you can earn
- You will earn 5 miles per dollar on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options
- Redeem miles for travel credit, or redeem miles for trips purchased through Capital One Travel
- You can transfer miles to 15+ travel loyalty programs
- You can enjoy 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
- One-time $200 bonus cash after spending $500 on purchases within the first 3 months of account opening
- You will earn unlimited 1.5% cash rewards on all purchases
- Pay no annual fee and no foreign transaction fees
- You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options. Terms Apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire and there's no cap on how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 16.49%-26.49% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
- You will earn a $200 bonus cash after spending $500 on purchases within the first 3 months of account opening
- You will earn unlimited 3% cash rewards on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on other purchases
- You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options. Terms Apply
- You will earn 8% cash rewards on Capital One Entertainment purchases and tickets at Vivid Seats
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire and there's no cap on how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
- Pay no foreign transaction fee
- Pay no annual fee
- New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% 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.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 21 billing cycles
- Regular APR
- 14.24% - 24.24% Variable APR on purchases and balance transfers
- Annual Fee
- $0
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Intro APR
- N/A
- Intro APR Period
- N/A
- Regular APR
- 26.99% (Variable)
- Annual Fee
- $0
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- Intro APR
- N/A
- Intro APR Period
- N/A
- Regular APR
- 26.99% (Variable)
- Annual Fee
- $0
- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
Disclaimer: *To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
- Intro APR
- N/A
- Intro APR Period
- N/A
- Regular APR
- 14.99% - 29.99%
- Annual Fee
- $0
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
- Feel secure with cell phone protection up to $600.
- No deposit required. No annual fees.
- No international transaction fees on purchases abroad so you can travel with confidence.
- No Social Security Number required for international students to apply.
- Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
- Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
- See if you prequalify with no impact to your credit score in minutes.
- Deserve Mastercards are issued by Celtic Bank, Member FDIC.
- Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
- Intro APR
- N/A
- Intro APR Period
- N/A
- Regular APR
- 20.99% Variable
- Annual Fee
- $0
