Personal Credit Cards with No Annual Fee
For many consumers, a no-annual-fee credit card is a cost-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.
Compared with credit cards that have annual fee, some of which may offer better rewards such as larger bonus or higher rewards on purchases, many credit cards with no annual fee provide consumers with a simple payment option at no cost while allowing card holders to earn moderate rewards.
- No annual fee
- NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
- No changing categories and no expiration on rewards
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
- Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
- Intro APR
- 0% on Purchases and qualifying Balance Transfers
- Intro APR Period
- 12 billing cycles
- Regular APR
- 15.24% - 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 15.99%-26.99% 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
- 15.99% - 26.99% (Variable)
- Annual Fee
- $0
- New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
- Earn 3X points for eating out and ordering in
- Earn 3X points for gas stations, rideshares and transit
- Earn 3X points for travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- $0 Annual Fee
- 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and 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
- 14.49% - 26.99% (Variable)
- 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
- NEW OFFER: 25,000 online bonus points if 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, then 16.99% - 24.99% Variable APR
- Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
- Intro APR
- 0% on Purchases
- Intro APR Period
- 12 billing cycles
- Regular APR
- 16.99% - 24.99% Variable APR on purchases and balance transfers
- 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; learn more at hotels.com/venture
- Fly any airline, stay at any hotel, anytime
- Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% 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
- 13.74% - 23.74% (Variable)
- Annual Fee
- $0
- Earn unlimited 1.5% cash rewards on all purchases.
- Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
- 10% Anniversary Bonus on all Cash Rewards earned once a year.
- No Annual Fee.
- 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
- No Foreign Transaction Fees.
- $0 liability for unauthorized purchases.
- Terms Apply.
- Intro APR
- 0% on Balance Transfers
- Intro APR Period
- 15 months
- Regular APR
- 14.99%, 18.99% or 24.99% 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; 14.74%-24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74%-24.74% 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
- 14.74% - 24.74% (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; 14.74% - 24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% 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
- 14.74% - 24.74% (Variable)
- Annual Fee
- $0
- NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to 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
- 14.99% - 24.99% 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 13.49%-26.99% 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
- 13.49% - 26.99% (Variable)
- Annual Fee
- $0
- 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% 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
- 18 months
- Regular APR
- 12.99%, 16.99% or 20.99% Variable*
- Annual Fee (Rates & Fees)
- $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
- 24.99% (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 13.99% APR will apply
- Low 13.99% variable APR on purchases and cash advances
- 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
- 13.99% 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
- 24.99% (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 15.99% to 24.99% 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
- 15.99% - 24.99% 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 13.99% to 24.99% 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
- 13.99% - 24.99% Variable
- Annual Fee
- $0
