No Annual Fee Credit Cards

Why pay an annual fee for your credit card when you don't have to? A no annual fee credit card automatically begins saving you money over existing cards that charge you an annual fee. Many no annual fee credit cards also offer introductory rates as low as 0%, meaning you can have a "free" loan with your free card for an introductory period. A free credit card can even earn you rewards such as miles, cashback, merchandise, hotel stays, and more.

Recommmended just for you

Capital One® VentureOneSM Rewards Credit Card

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1.25 miles per dollar on every purchase, every day
Redeem miles for airline tickets, hotel rooms, car rentals and more
No limit on the miles you can earn and miles won't expire
Fly free on any airline, any time with no blackout dates
Use rewards for travel, merchandise, gift cards and more
0% intro APR on purchases until February 2011
No foreign transaction fees
No annual fee

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Why we recommend it...

If you have excellent credit and want to benefit from a great rewards program with no annual fee, the Capital One VentureOne card could become your new go-to credit card. Capital One’s VentureOne card enables cardholders to earn 1.25 miles per dollar on every purchase with absolutely no limit on the miles you can earn. This card brings generous reward terms to your wallet with no black-out dates, any airline choice, and no expiration date on miles, and best of all, no annual fee.

A great incentive to get this card is the current introductory rate of 0% APR on purchases until February 2011. Take advantage of this generous, no-annual fee card and enjoy the interest free purchases until next year.

Pros:

No Annual Fee
1.25 miles for every dollar spent

Cons:

Need excellent credit for approval

Credit Score Approval Data †

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Average Credit Score Approved for this Card

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Lowest Credit Score Approved for this Card

Blue Cash® from American Express

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When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
No Annual Fee
0% Intro APR for 6 months on purchases
Express Approval. Get a decision in less than 60 seconds.

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Why we recommend it...

Blue Cash from American Express offers one of the highest-earning cash back programs available. You can earn up to 5% cash back on supermarket, gas station, and drugstore purchases and 1.25% for all other purchases, with unlimited earning potential. The only caveat is that eligible purchases must add up to more than $6,500 annually to reach the 5% and 1.25% cash back earning tier; otherwise, your rewards rate is 1.0% for specific category purchases and 0.5% for all other eligible purchases.

If you are a big spender with great credit, Blue Cash is the best cash-back, no annual fee choice to earn you better rewards the more you spend. Plus, American Express is offering 0% APR on purchases for 6 months so you can earn cash back on your purchases without paying interest.

Pros:

No Annual Fee
0% APR on purchases for 6 months

Cons:

Tiered rewards system
High variable APR of 17.24-21.24%
Need excellent credit for approval

Credit Score Approval Data †

732

Average Credit Score Approved for this Card

650

Lowest Credit Score Approved for this Card

Additional no annual fee credit cards

Public Savings Bank Secured Visa

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0% APR for purchases for 6 months
No annual or monthly fees. Just a one time fee of $79
Free fraud protection against unauthorized use
18.00% Maximum APR for both Merchandise and Cash Advances
NSF/Returned Payment Fee of $25
Over Limit Fee of $20
Late Payment Fee of $20
No Penalty Pricing – rate stays the same even if customer is late
No credit, income or employment requirements
Reports to all 3 national credit bureaus
25 day grace period

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545 Comments| Share| 188 members think this is a good card

Blue Sky from American Express®

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0% Intro APR for 6 months on purchases
Earn 1 point for every dollar you spend
Points good on any airline, hotel, car rental and more.
No blackout dates or travel restrictions
Express Approval. Get a decision in less than 60 seconds.

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10 Comments| Share| 19 members think this is a good card

Capital One® No Hassle Miles(SM) Rewards - Good Credit

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1.25 miles for every dollar spent on purchases
No limit on the miles you can earn and miles don't expire
Redeem for Travel, Merchandise, Gift Cards and more
No blackout dates and no seat restrictions
Fly FREE on any airline to any destination
0% intro APR on purchases until February 2011
No foreign transaction fees
No annual fee

Details|

0 Comments| Share| 10 members think this is a good card

* See the online Provider's 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 Provider's website.

† Credit Karma members have received approvals with these credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.