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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® Platinum Prestige Credit Card
- 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 & emergency 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
Why we recommend it...
If you want the lowest of the low interest rates available, the best possible credit card terms, and a stellar intro APR offer, the Capital One Platinum Prestige card has all these perks with absolutely no annual fee! Try topping that.
Platinum Prestige is a no-fuss credit card that gives a generous 0% intro APR until May 2013 on balance transfer and purchases, and a terrifically low 10.9% - 18.9% variable APR after that. A low APR like Platinum Prestige helps save you thousands when carrying balances month-to-month.
You’ll need excellent credit for this card, but if you can qualify, its one of the best no annual fee cards for people who carry large balances and balance transfers with minimal cost. Platinum Prestige is a great way to reward yourself with low rates.
Pros:
- No Annual Fee
- 0% APR until May 2013 on balance transfers and purchases
Cons:
- Need excellent credit for approval
Credit Score Approval Data †
724
Average Credit Score Approved for this Card
656
Lowest Credit Score Approved for this Card
Chase Freedom® Visa - $200 Bonus Cash Back
- Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
- You'll enjoy new 5% categories every 3 months like supermarkets, gas, drugstores and even home improvement stores. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases without limits on what you can earn
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Why we recommend it...
The Chase Freedom SM Credit Card is an excellent card to have handy if you want to earn cashback on every purchase without having to pay the annual fee typically tacked onto great rewards programs. With Chase Freedom, you earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months. Plus, Chase offers extra bonus rewards earning opportunities like a stand-out 5% bonus cash back in special rotating categories, and an additional 10% cash back when you shop online at select merchants. For credit-weary consumers, Chase is on your side with the added Chase Blueprint features to help manage finances with custom payment plans, spending progress monitoring, and more.
How could you pass up so many rewarding and useful features in the Chase Freedom Card, especially without a pocket-burning annual fee to worry about? Just sit back, relax, and earn cash and rewards with Chase Freedom.
Pros:
- No Annual Fee
- Bonus cashback and rewards program
Cons:
- Need good-excellent credit
- High penalty APR
Credit Score Approval Data †
701
Average Credit Score Approved for this Card
626
Lowest Credit Score Approved for this Card
Additional no annual fee credit cards
Capital One® VentureOne(SM) Rewards Credit Card
- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- 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
- 0% intro APR on purchases until February 2013
- No foreign transaction fees
- No annual fee
SimplyCash® Business Card from American Express OPEN
- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Save 3%-10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®*
- No annual membership fee
Blue Sky from American Express®
- No annual fee
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program: big deals on big brands, all the time
- Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
- Get approved in 60-seconds
* 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 "Take Offer" button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma members have received approvals with these Credit Karma 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.
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