Compare Credit Cards With $0 Annual Fee

Want a credit card without paying an annual fee? While offers with annual fees can sometimes have better benefits, you can find great offers with 0% APR introductory rates and rewards without one. Below are credit card offers with no annual fee. Compare offers to find the best one to fit your needs.

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Discover® More® Card - Balance Transfer Fee*

Rewards: Cash Back
For Good Credit
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 18 months*  0% / 6 months * None 10.99% - 20.99% (V)* $0* 1 Review
Blue Cash Everyday ℠ from American Express

Rewards: Cash Back
For Good Credit
  • Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 12 months * $100 Bonus* 17.24% - 22.24% (V)* $0* Be the First
Discover® More® Card

Rewards: Cash Back
For Good Credit
 Apply now and receive a fast response!*
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 15 months*  0% / 15 months * None 10.99% - 20.99% (V)* $0* 2 Reviews
TrueEarnings® Card from Costco and American Express

Rewards: Cash Back
For Good Credit
  • American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 6 months * None 15.24% (V)* $0* Be the First
Miles by Discover® Card

Rewards: Airlines
For Good Credit
  • Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
  • 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 6 months*  0% / 6 months * 12,000 Bonus Miles* 10.99% - 16.99% (V)* $0* Be the First
Discover® Open Road Card

Rewards: Gas Stations
For Good Credit
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 15 months*  0% / 15 months * None 10.99% - 19.99% (V)* $0* Be the First
Discover® Motiva Card

Rewards: Cash Back
For Good Credit
  • Earn Cashback Bonus® for your good credit management
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 3.99% / 15 months*  3.99% / 15 months * None 10.99% - 20.99% (V)* $0* Be the First
Citi® Platinum Select® Visa®

Rewards: None
For Good Credit
  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*

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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 18 months*  0% / 18 months * None 11.99% - 21.99% Variable* $0* Be the First
Slate® from Chase

Rewards: None
For Excellent Credit
  • No Balance Transfer Fee!*
  • 0% Intro APR for 15 months on purchases and balance transfers
  • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
  • After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
  • Avoid interest on everyday purchases
  • Pay down your balance faster
  • Zero liability on unauthorized purchases*
  • No Annual Fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 15 months*  0% / 15 months * None 11.99% - 21.99% Variable* $0* Be the First
Capital One® Platinum Prestige Credit Card

Rewards: None
For Excellent Credit
  • 0% intro APR until May 2013 on balance transfers
  • 0% intro APR until May 2013 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / until 05/2013*  0% / until 05/2013 * None 10.90% - 18.90% (V)* $0* Be the First
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

Rewards: Cash Back
For Good Credit
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
  • Each quarter, you can enroll to earn additional cash back in popular categories.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 12 months*  0% / 12 months * $100 Bonus* 12.99% - 22.99% Variable* $0* 1 Review
Citi Simplicity® Card

Rewards: None
For Good Credit
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 18 months*  0% / 18 months * None 12.99% - 21.99% Variable* $0* Be the First
Citi® Platinum Select® MasterCard®

Rewards: None
For Good Credit
  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 18 months*  0% / 18 months * None 11.99% - 21.99% Variable* $0* Be the First
Citi® Hilton HHonors® Visa Signature® Card

Rewards: Hotels
For Good Credit
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1000 within 4 months of account opening*
  • Earn 6 Hilton HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio*
  • Earn 3 Hilton HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations*
  • Earn 2 Hilton HHonors Bonus Points for each $1 spent on all other purchases*
  • No annual fee.*

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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None None 40,000 Bonus Points* 14.24% - 16.24% Variable* $0* Be the First
Citi® Diamond Preferred® Card

Rewards: None
For Good Credit
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 18 months*  0% / 18 months * None 11.99% - 21.99% Variable* $0* Be the First
Discover® Student Card

Rewards: Cash Back
For Fair Credit
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 9 months * None 13.99% - 20.99% (V)* $0* Be the First
Journey ℠ Student Rewards from Capital One®

Rewards: Cash Back
For Average Credit
  • Designed to help students build good credit with responsible use
  • Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
  • Customizable text and e-mail alerts to help keep you on track
  • Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None None None 19.80% (V)* $0* Be the First
Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards

Rewards: Flexible
For Good Credit
  • $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
  • 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None None 15,000 Bonus Points* 12.99% - 22.99% Variable* $0* Be the First
Sony Card from Capital One®

Rewards: Store
For Good Credit
  • 5 points per $1 on Sony purchases at authorized retailers
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music, and more
  • Choose from 2 unique card designs
  • 0% intro APR on purchases until December 2012
  • No annual fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / until 12/2012 * None 13.90% - 24.90% (V)* $0* Be the First
Discover® Open Road ℠ Card for Students

Rewards: Gas Stations
For Fair Credit
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • Double Cashback Bonus®* at gas stations and restaurants
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 9 months * None 13.99% - 20.99% (V)* $0* Be the First
Capital One® Cash Rewards for Newcomers

Rewards: Cash Back
For Average Credit
  • A card designed to help those new to the U.S. establish credit and earn cash back
  • Build credit with automatic reporting to the three major credit bureaus
  • Get 2% cash back on travel purchases
  • Earn 1% cash back on all other purchases
  • No foreign transaction fees
  • No annual fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None None None 24.90% (V)* $0* Be the First
Vision Premier® Visa® Prepaid Card - Simple & Fair

Rewards: None
For Bad Credit
  • New - Free Roadside Assistance
  • New - Free Savings Account with 5.65% APY
  • 1% Cash Back on Gas Purchases
  • Free Direct Deposit so you can get paid faster
  • Free Bill Pay online or over the phone
  • Free Transactions and Customer Service
  • No Overdraft Fees, No Interest Fees, and No Hidden Fees
  • No Credit Check - 100% Approval
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None None None N/A $0* Be the First
Discover® Student Tropical Beach Card

Rewards: Cash Back
For Fair Credit
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 9 months * None 13.99% - 20.99% (V)* $0* Be the First
Discover® Student Clear Card

Rewards: Cash Back
For Fair Credit
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 9 months * None 13.99% - 20.99% (V)* $0* Be the First
Discover® More® Card - No Balance Transfer Fee*

Rewards: Cash Back
For Good Credit
  • Limited Time Offer - $0 Balance Transfer Fee!*
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 12 months*  0% / 12 months * None 10.99% - 19.99% (V)* $0* Be the First
AT&T Universal Business Rewards Card

Rewards: Flexible Rewards
For Good Credit
  • Designed for businesses with an established credit history
  • 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
  • Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
  • Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
  • Additional cards for employees with credit limits you set
  • No Annual Fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 6 months * None 14.24% Variable* $0* Be the First
READYdebit Platinum Visa Prepaid Card

Rewards: None
For Bad Credit
  • Get Your Premium Benefits:
  • Exclusive Rewards Program
  • Free Credit Score
  • Free Mobile Banking and Text Alerts
  • Free Online Bill Payment & Check Writing
  • Free Direct Deposit — paycheck, benefits, tax refunds
  • No Credit Check*, No Overdraft Fees or Balance Minimums
  • Reloadable up to $10,000 Max Balance
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None None None N/A $0* Be the First
Discover® Student Card - Monogram Collection

Rewards: Cash Back
For Fair Credit
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 9 months * None 13.99% - 20.99% (V)* $0* Be the First
Citi Forward® Card

Rewards: Flexible
For Good Credit
  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • APR reduction on purchases when using credit wisely
  • No Annual Fee*
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
 0% / 12 months*  0% / 7 months * 10,000 Bonus Points* 12.99% - 22.99% Variable* $0* Be the First
Citi® Dividend Platinum Select® Card for College Students

Rewards: Cash Back
For Good Credit
  • No Cosigner Required
  • Earn 5% Cash Back on eligible purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months, and 1% thereafter*
  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
  • Earn a full 1% cash back on all other purchases*

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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / 7 months * None 13.99% - 21.99% Variable* $0* Be the First
MTV® Visa® Card From Capital One®

Rewards: Flexible
For Excellent Credit
  • Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
  • Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
  • 1 point per $1 spent on everything else
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
  • Also, redeem for Travel, Merchandise, Gift Cards and more
  • 0% intro APR - pay no interest on purchases until February 2013
  • No annual fee
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Balance Transfer Intro. Purchases Intro Bonus Offer APR Annual Fee Reviews
None  0% / until 02/2013 * None 13.90% - 19.90% (V)* $0* Be the First

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuers website.