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
- Earn 3% cash back in the category of your choice, 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
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No expiration on rewards
- 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
- 15 billing cycles
- Regular APR
- 15.49% - 25.49% 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
- 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.49% - 24.49% 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
- 16.49% - 24.49% Variable APR on purchases and balance transfers
- Annual Fee
- $0
- $0 annual fee and no foreign transaction fees
- Earn a 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
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 12 leading travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 13.74% - 23.74% variable APR after that
- Intro APR
- 0% on Purchases
- Intro APR Period
- 12 months
- Regular APR
- 13.74% - 23.74% (Variable)
- Annual Fee
- $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; 15.74%-25.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.74%-25.74% 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
- 15.74% - 25.74% (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; 15.74% - 25.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% 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
- 15.74% - 25.74% (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, 14.49% - 24.49% 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
- 14.49% - 24.49% Variable APR on purchases and balance transfers
- Annual Fee
- $0
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.40% - 24.40%, 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
- 14.40% - 24.40% 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
- 26.99% (Variable)
- Annual Fee
- $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
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- 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 after the account is open, then your variable APR will be 15.49% to 24.49% 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
- 15.49% - 24.49%* 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 13.49% to 24.49% 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
- 13.49% - 24.49%* Variable
- Annual Fee
- $0
