No Annual Fee Credit Cards
The following cards do not have an annual fee. If you are interested in a credit that doesn’t apply an annual fee than check these out.
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- 0% Intro APR on Balance Transfers and Purchases for 12 Months*
- Prime + 5.99% Variable APR thereafter
- Up to $50,000 Credit Line
- No Annual Fee
- Get employee cards with no fee and set spending limits per user
- $0 Fraud Liability
- Personalized card -- your company name on the card, plus your logo.
*see Terms & Conditions for important information, benefits and limitations
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
11.99% |
None |
Good |
Advanta |
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- 2.99% APR for Life of balances transferred within 3 months*
- Choice of 6% Cash Back on Bonus Qualifying purchases* or Travel Rewards
- No Annual Fee and No Limit on Earnings
- Get employee cards with no fee and set spending limits per user
- $0 Fraud Liability
- Personalized card -- your company name on the card, plus your logo.
*see Terms & Conditions for important information, benefits and limitations
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| N/A |
9.99% |
None |
Good |
Advanta |
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- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
- 7.99% Variable APR on Purchases
- Choice of 5% Cash Back on office supplies, gas and more*
- No Annual Fee and No Limit on Earnings
- Get employee cards with no fee and set spending limits per user
- $0 Fraud Liability
- Personalized card -- your company name on the card, plus logo or other image!
*see Terms & Conditions for important information, benefits and limitations
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| N/A |
7.99% |
None |
Good |
Advanta |
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Up to 5% Cash Back* with No limit on the total rewards you can earn on: - Online PPC Advertising, including Google™, Yahoo!® and MSN® Search*
- eBay® Fees
- Website Hosting, Shipping, USPS
- Computers and Office Supplies
- Cellular Services and Gas
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- Earn up to 5% cash back on everyday purchases - even gas!
- No Annual Fee
- 0% Intro APR for up to 12 months on purchases
- Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
- Express Approval. Get a decision in less than 60 seconds.
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- Earn up to 50,000 HHonors® bonus points when you get the Card
- No Annual Fee
- Receive 5 HHonors bonus points for each dollar spent at Hilton Family hotels including Doubletree®, Embassy Suites Hotels®, Hampton Inn® and more and for eligible purchases at supermarkets, drugstores, gas stations and more
- Get 3 HHonors bonus points for each eligible dollar you spend everywhere else
- No Blackout dates
- Express Approval. Get a decision in less than 60 seconds.
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- Up to 5% Cash Back on virtually all purchases
- No limit to the cash back you can earn
- No annual fee
- 0% Intro APR for first 6 months
- Option to pay over time or pay in full
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
- Earn cash rewards on purchases made by Additional Cardholders
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- Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
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- Straight cash back—5% for buying automobile gas, 3% for eating out, 2% for traveling, 1% virtually everywhere else, including at Costco
- 0% introductory APR on purchases for the first 3 months
- No annual fee with your paid Costco Membership
- Flexible payments—pay in full or over time
- No annual fee for Additional Cards
- Save an additional 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
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- 500 bonus points after your first purchase
- 1 point for every dollar you spend on everyday purchases
- Rewards begin at just 750 points
- Earn points toward veterinary services, pet food discount certificates, and shelter donations
- Earn two PetRewards Points for each dollar you spend at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores
- Card issued by FIA Card Services, N.A.
*See website for complete terms and conditions of card usage and application disclosure.
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- Earn rewards faster with 1.25 points for every net retail purchase dollar§
- 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
- No annual fee and the flexibility to pay over time
- Reedeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates§
- Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more.
- Free 24/7 Concierge Service
- Access to more than 2,200 American Express Travel Services locations worldwide to help you.
Terms & Conditions
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- 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles.
- Earn 1 Point for every dollar you spend in net retail purchases.§ Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more.
- No Annual Fee
- Online account access and Points management
- Access to the MyConcierge(SM) service, a unique personal assistance service
- Absolute Fraud Protection
- Card issued by FIA Card Services, NA.
Terms & Conditions
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- 0% introductory APR on balance transfers and cash advance checks for your first 12 billing cycles
- Earn 2 points for every $1 in net retail purchases and earn 13 points for every $1 spent for qualifying TripRewards hotel stays
- No Annual Fee
- 24-hour Online Access
- Absolute Fraud Protection
- Card issued by FIA Card Services, N.A.
Terms & Conditions
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- 0% Introductory APR on balance transfers, check cash advances, and direct deposits for your first 12 billing cycles
- No annual fee
- Credit lines as high as $25,000
- Online Banking Service
- Total Security Protection®
- Card issued by FIA Card Services, N.A.
Terms & Conditions
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- Bank of America makes a contribution to Ducks Unlimited with every purchase
- Earn WorldPoints with every retail purchase you make with the card.
- No annual fee
- Introductory 0% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.
- Zero liability for unauthorized card use.
- Card issued by FIA Card Services, N.A.
Terms & Conditions
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- Introductory 0% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.
- Earn one point for every net retail purchase dollar you spend with your new Elite Rewards® World MasterCard® credit card.
- No annual fee.
- Earn 500 Bonus Points after first qualifying purchase with the account.
- Earn Bonus Points for every net retail dollar you spend at participating merchants.
- Card issued by FIA Card Services, N.A.
Terms & Conditions
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- The only credit card on the planet that earns you points towards autographed memorabilia by past and current players, VIP access, field-level game tickets, travel rewards and even cash rewards that will blow you away!§§
- 0% Intro Annual Percentage Rate (APR)† on purchases and balance transfers for the first 12 billing cycles.
- No Annual Fee
- Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.§
- Offers secure online access.
- 24/7 fraud protection
- Card issued by FIA Card Services, N.A.
Terms & Conditions
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- Earn RacePointsSM every time you make a purchase.
- 0% Intro Annual Percentage Rate (APR)† on purchases and balance transfers for the first 12 billing cycles.
- No annual fee
- Online Banking Service
- Total Security Protection®
- Card issued by FIA Card Services, N.A.
Terms & Conditions
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- Earn reward points with each purchase you make with your NFL Extra Points™ credit card and get the ultimate NFL experience for yourself.§§
- 0% Into Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks through your first twelve billing cycles.
- No Annual Fee.
- Earn 1 point for every $1 in net retail purchases.
- No limit to the number of points you can earn each year
- Card issued by FIA Card Services, N.A.
Apply Now!
Terms & Conditions
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- 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.)
- Earn 5 bonus points with your first purchase.
- Points do not expire for 5 years
- Online Banking Service
- Total Security Protection®
- No Annual Fee
- Card issued by FIA Card Services, NA.
Terms & Conditions
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- 0% Intro Annual Percentage Rate (APR)† on balance transfers and cash advance checks for the first 12 billing cycles.
- Earn 1 point for every net retail purchase dollar spent and redeem your points for travel, merchandise, gift certificates, and cash§
- Access to the MyConciergeSM service, a unique personal assistance service**
- Absolute fraud protection against unauthorized use, online and offline
- No annual fee
- Card issued by FIA Card Services, N.A.
Terms & Conditions
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- For every new account that is opened and every purchase made with the card, Bank of America will make a contribution to the Rainbow Endowment - at no additional cost to you! The Rainbow Endowment is a grant making organization that funds the GLBT community.
- Earn 1 point for every net retail dollar and redeem your points for travel, merchandise, gift certificates, and cash
- No annual fee
- Online account access, get up-to-the-minute account information, schedule payments online, review statements and much more.
- Card issued by FIA Card Services, N.A.
Terms & Conditions
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- 0% Into Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks through your first twelve billing cycles.
- Earn 1 point for every $1 in net retail purchases at all merchants§
- Redeem your points for cash back, travel with no blackout dates, car rental and hotel rewards, brand name merchandise, or gift certificates§
- Redeem your Points as extra payments- Every time you earn 5,000 Points, you can redeem them for cash-which can be applied directly to your mortgage.§§§
- No limit to the number of points you can earn each year
- Absolute fraud protection against unauthorized use, online and offline
- Access to the MyConcierge(SM) service, a unique personal assistance service§
- Secure Online Account Access and electronic bill payment service
- Card issued by FIA Card Services, N.A.
Terms & Conditions
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- Automatic point redemptions to help build renewable energy projects
- 1 EarthSmart Point for every $1 net retail
- 1,000 EarthSmart bonus points with first transaction
- 1,000 EarthSmart bonus points for signing up for paperless statements
- For every two base points earned through December 2008, Bank of America will make a matching contribution of one additional point
- Card issued by FIA Card Services, N.A.
Terms & Conditions
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- 1 point for every eligible dollar in purchases
- 1,000 Bonus Points after your first purchase
- Intro 0% Fixed APR for up to 12 months*
- No Annual Fee
- Get your rewards with as few as 2,500 points
- Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
10.99% |
None |
Good |
Chase |
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- 0% Intro APR for up to 12 months*
- Earn 1 point for every eligible dollar spent toward travel on any airline, shopping at your favorite stores or cash!*
- Earn 1000 bonus points after first purchase*
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
10.99% |
None |
Good |
Chase |
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- Save with 0% Intro APR for up to 12 months*
- Free Online Reporting - Quarterly reports enable you to monitor your business spending.
- No Annual Fee
- Platinum Business Benefits - Valuable benefits such as Travel and Emergency Assistance, Purchase Security and Extended Protection, and Travel Accident Insurance.
- Visa® Business Partner Advantage - Savings of up to 20% from leading retailers with special offers on computer equipment, office supplies and more.
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- 0% APR for up to 6 months
- No Annual Fee
- Double Rebates for two months
- 5% rebates on all participating BP location purchases
- 2% rebates on all eligible travel and dining purchases
- 1% rebates on all other eligible purchases
- No limit on rebates
- Redeem every $25 rebates for: BP Gift Card, cash, donation to the Conservation Fund
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| * |
11.99% |
None |
Good |
Chase |
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- Receive $50 after you make your first purchase
- 3% Cash Back in your top 3 everyday spending categories
- 1% cash back for every $1 you spend on all other purchases
- Receive an extra $50 each time you save and redeem $200 in rewards
Apply today!
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- 0% APR introductoria por hasta 12 meses1
- La duración de la APR introductoria y los saldos a los que se aplicará se basarán en nuestra evaluación de su solicitud y su historial crediticio
- Sin Cargo Anual
- Acceso GRATIS a su cuenta por Internet2
- Servicios GRATIS para sus viajes, como seguro contra choques de autos alquilados y seguro contra accidentes de viaje en todo el mundo
¡Solicítela Ahora!
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
10.99% |
None |
Good |
Chase |
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- Earn more cash in more ways than anyone else(SM*)
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 12 months on Purchases and Balance Transfers
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
10.99% |
None |
Good |
Discover® Card |
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- Earn more cash in more ways than anyone elseSM*
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
10.99% |
None |
Good |
Discover® Card |
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- Earn more cash in more ways than anyone elseSM*
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
14.99% |
None |
Good |
Discover® Card |
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- Build your credit history
- 0% Interest* on Purchases for 6 Months
- No minimum income or cosigner required
- No Annual Fee
- Easy Online Account Management tools
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
14.99% |
None |
Good |
Discover® Card |
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- Earn more cash in more ways than anyone elseSM*
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
10.99% |
None |
Good |
Discover® Card |
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- A Miles card with no annual fee!
- No blackout dates
- Double Miles on food and travel, up to $3,000 each year
- 1 Mile for every $1 you spend
- Unlimited Miles while your account is active
- 0% Intro APR*
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
10.99% |
None |
Good |
Discover® Card |
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- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on gas and auto maintenance purchases
- 5% to 20% Cashback Bonus at top online retailers*
- Up to 1% Cashback Bonus on all other purchases
- Unlimited cash rewards
- Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
10.99% |
None |
Good |
Discover® Card |
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- Earn more cash in more ways than anyone elseSM*
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
14.99% |
None |
Good |
Discover® Card |
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- Earn more cash in more ways than anyone elseSM*
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
10.99% |
None |
Good |
Discover® Card |
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- Build your credit history
- 0% Interest* on Purchases for 6 Months
- No minimum income or cosigner required
- No Annual Fee
- Easy Online Account Management tools
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
14.99% |
None |
Good |
Discover® Card |
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- Cash Rewards for your good credit management!*
- Get a Pay-On-Time BonusSM equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus on all other purchases
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
- 3.9% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 3.9% |
10.99% |
None |
Good |
Discover® Card |
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- 0% Interest* on Purchases for 6 Months
- Build Your Credit History
- Full 5% Cashback Bonus® on gas and auto maintenance purchases*
- Up to 1% Cashback Bonus on all other purchases*
- $0 Fraud Liability Guarantee
- No Annual Fee
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
14.99% |
None |
Good |
Discover® Card |
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- Earn more cash in more ways than anyone elseSM*
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want
- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
10.99% |
None |
Excellent |
Discover® Card |
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- The American DreamCard is the credit card program that can make people rich!
- Large monthly cash jackpots!
- Earn entries from everyday shopping!
- Every $1 in net retail purchases = 1 entry to win (up to 1,000 entries per purchase)
- No Annual Fee†
- Get 1,000 entries just for applying!
- More entries mean more chances to win!
- Entries are good for future drawings and there is no limit to how many times you can win*
- A New Winner Every Month!
- Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
- American DreamCard™ holders also have access to MasterCard® Exclusive Online™
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| N/A |
12.24% |
None |
Average |
HSBC |
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- 1% cash back on everything you buy from day one.
- No limit on cash back; no expiration for the life of your account
- 0% Introductory APR on balance transfers for your first 6 billing cycles
- No minimum to redeem for cash
- No annual membership fee
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| N/A |
As Low As 5.99% |
None |
Excellent |
IBERIABANK |
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- No annual fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles
- Earn 1 bonus point for every $1 in net retail purchases and redeem your points for hotel rooms, gourmet dinners, travel, and more
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| N/A |
As Low As 5.99% |
None |
Excellent |
IBERIABANK |
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- 0% Fixed APR for 6 months on Purchases and Balances Transferred Now.*
- 2,500 Bonus Points upon first card use within one year.
- Rewards start at just 2,500 points.
- No annual fee.
- Earn 5 points for every $1 you spend on purchases from ESPN, including ESPN Shop, ESPN Zones, ESPN Sports Concierge Service, and more.
- Earn 1 point for every $1 you spend on other purchases.
- Earn tickets and VIP Access to Sporting Events, Sports Merchandise and Collectibles, Retail, Dining, and Travel Rewards through the ESPN Total Access Rewards Program†.
- Use the FREE ESPN Sports Concierge Service to buy hard-to-get tickets, arrange travel to sporting events, or create your own ultimate fan experience.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Required |
Issuer |
| 0% |
8.99-22.99% |
None |
Good |
Washington Mutual |