No Annual Fee Credit Cards

There are many, many no annual fee credit cards on the market, and, provided you have good credit, there is no reason to pay a fee to carry a credit card. The list below includes choices from major banks and retailers offering no annual fee credit cards, but this list is by no means exhaustive.

  • – Low 11.25% variable standard purchase APR. Travel Rewards – cardholders who enroll in the program receive one point per net dollar spent; Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions. Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants. No annual fee. Excellent Credit Required – applicants that do not have excellent credit will not be approved! ++
  • – Has a low 9.25% variable standard purchase APR. There is no annual fee. Excellent Credit Required – applicants that do not have excellent credit will not be approved! ++


  • – Earn 1% cash back on all purchases, then another 1% back on all of your balance payments, meaning you can earn essentially 2% cash back with this card. Note that you do not earn the 1% rebate on the portion of your payments that go toward paying interest or late payment fees.
  • – Get 1.5% cash back with this no annual fee card, plus the opportunity to earn even more, up to 1.80%. You’ll get an extra .15% as long as you use the card at least once in 6 straight months. You can also earn an extra .15% if you direct deposit your cash back into a Citizens Bank checking, savings or money market account. If you earn both of the extras, you’ll end up earning a 1.8% rebate.
  • – No annual fee credit card offers you 1.5% cash back on all purchases, and that cash back rate goes up to 1.65% if you have that rebate deposited straight into a TD Ameritrade investment account.
  • – No annual fee credit card offers a nice, simple rewards formula: 3% cash back on restaurant and gas purchases, 1% cash back on all other purchases.
  • – A good no-annual-fee card for the frequent purchaser at Amazon.com. You earn 3 points per dollar on all purchases at Amazon.com, 2 points per dollars on purchases at gas stations, restaurants and drug stores, and 1 point per dollar on all other purchases. Your points can then be used toward purchases at Amazon, with every point equaling a penny. Easy redemption, too — your card is linked to your Amazon account, so you can immediately use any amount of available points toward a new Amazon purchase. You also get a $50 Amazon gift card once your credit card application is approved.
  • – No annual fee rewards credit card offers 3% cash back on gas, 2% back at grocery stores and wholesale clubs, and 1% back everywhere else.
  • – Nice no-annual-fee cash back credit card offers 3% cash back on supermarket purchases, 2% back at gas stations, 2% back at major department stores, and 1% back everywhere else. Note that you won’t get the higher cash back amounts if you are buying groceries or gas at a warehouse store. Also, spend at least $1000 with the card in the first 3 months and you’ll get an extra $150 statement credit.
  • – No annual fee gas credit card allows you to earn rebates on future BP gas purchases, with the size of your rebates dependent on how much you spend with the card.
  • – No-annual-fee credit card offers a flat 1.5% cash back on all purchases, making it one of the simpler, more generous reward cards on the market.
  • – This card has no annual fee, but the only reason we would really recommend it is if you have a sizable balance on another credit card and want to lower your interest rate. Here’s why: this card offers a 0% interest rate on transferred balances for 15 months with no balance transfer fee. It is very rare to find any card that doesn’t charge a balance transfer fee. In addition, you also get that 0% APR on new purchases for 15 months. Just be careful you don’t go crazy charging out the wazoo over that 15-month period or you’ll be sorry later.
  • – No annual fee and also no late payment fees, plus an introductory 0% interest rate on card purchases and on balances transferred from other credit cards for 21 months! (There is a 3% fee on those balance transfers, however.) No rewards.
  • Dick’s Sporting Goods / Rewards of Sport Credit Card – No annual fee card of the Dick’s retail chain (as well as Golf Galaxy and Field & Stream) allows you to earn points toward future Dick’s purchases. If you make a big purchase inside a Dick’s store, you might even get approved instantly.
  • – Earn 1.5 “miles” per dollar charged to this no annual fee credit card. Each mile is worth a penny toward travel expenses or you can simply take the miles in cash back — making this essentially a 1.5% cash back credit card, a very nice deal.
  • – Lowe’s home improvement stores offers a credit card that gives you 5% off every purchase at the chain (with a few exceptions on certain brands), so if you’re a frequent Lowe’s shopper it makes sense to get the card. Don’t carry a balance, though, or that crazy high 26.99% interest rate will bite you!
  • – Earn up to 25 cents off per gallon of Marathon gas depending on how much you spend with this no-annual-fee card.
  • – Though you can only use it at Target, this no-annual-fee credit card gives you 5% off on your Target purchases, and you probably shop at Target already, so why not have it?
  • – No annual fee store card of TJ Maxx, Marshalls, HomeGoods and Sierra Trading Post. Earn 5 points per dollar on TJX store purchases and, if you qualify for the MasterCard, 1 point per dollar on other card purchases. Every 1,000 points gets you a $10 TJX rewards certificate for a future purchase.
  • – No-fee travel card from American Express earns you one point per dollar charged to the card, and every 7500 points equals $100 you can use to pay for travel. (You actually use the $100 as a statement credit after you’ve traveled.)
  • – No annual fee travel card gives you 1.25 “miles” per dollar charged to the card. In reality, the “miles” are points equal to a penny per point, and you use the miles to pay for travel expenses in part or in full. For example, 10,000 miles would equal $100 in travel rebates.
  • – No annual fee gas credit card allows you to earn 3 cents off per gallon of Chevron and Texaco gas plus the potential to get 10 to 20 cents off per gallon if you meet certain monthly spending levels on non-gas purchases. Watch out for the interest rate over 27%.
  • – Get 5 cents off every gallon of CITGO gas with this no annual fee card. Only accepted at CITGO.
  • – No annual fee with a hefty upfront 0% offer: no interest on purchases or balance transfers for 21 months (3% fee on transferred balances, though). Beyond that it offers some extras like “concierge” service and access to exclusive Citi-sponsored entertainment events, but not much more.
  • – No-annual-fee credit card offers 1% cash back on all purchases, plus 5% cash back on purchases in certain buying categories; these 5% buying categories change each calendar quarter.
  • – Increase the cash back you receive on purchases made through Ebates by 3%, and get 1% cash back on all other purchases you make with this card.
  • – No annual fee gas credit card gives you 6 cents off per gallon of Exxon or Mobil gas you buy, with no minimum or maximum purchases required to get the discount.
  • – No annual fee Visa offers 5% off Gymboree purchases and a 1% reward on all other purchases. (The 1% reward comes in the form of Gymboree gift cards good on future purchases.)
  • – Women’s catalog clothing store offers a no annual fee credit card with a rewards program that gives you a $10 gift certificate for every $150 you spend.
  • – No frills, no rewards credit card offers an interest rate as low as 10.99% but potentially as high as 22.99% depending on your credit history.
  • – No annual fee, no frills, an interest rate as low as 13.99% for those who qualify. (You could also be approved at a 18.99% or 23.99% rate, however.) Not much to recommend this one, but no annual fee.
  • – No annual fee unsecured credit card targeted to average credit and bad credit customers has a very high 24.99% interest rate and no rewards or other perks to recommend it if you have decent credit.
  • – Buy from Abercrombie at an extremely high interest rate (25.99%!) and get no rewards on your purchases! But, hey, there’s no annual fee.
  • – Earn 1 mile per dollar on Frontier purchases and 1 point per $2 for all other card purchases with this no-annual-fee version of Frontier’s frequent flyer credit card. (There is an alternate Frontier credit card that does have an annual fee but also greater rewards.)
  • – No annual fee store card offers special financing on large purchases but not a whole lot more. Only accepted at Home Depot. Interest rate from 17.99% to 26.99% depending on your credit history.
  • – This no-annual-fee store card does not offer a rewards program, but it does have a couple of nice upfront discounts of 15-25% on your first card purchases, plus regular cardholder-only discount mailings.
  • – No annual fee card can only be used at Lord & Taylor and it offers paltry rewards and a very high 26.49% interest rate. You get a few cardholder-only discounts throughout the year, but otherwise not worth having.

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