No Annual Fee Credit Cards

A great number of credit cards no longer charge an annual fee. Why pay the issuer a fee to use their credit card? These are the best credit cards which have no annual fee. Our objective opinion is included on each card. The cards are sorted in order of our editor’s opinion.

1. Citi Simplicity® MasterCard

Citi Simplicity® MasterCard Apply Now See Details
Intro Rate: 0% APR for 18 months on purchases and balance transfers
Interest Rate: 12.99-21.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory APR offer, no late fees, no penalty rate, no annual fee

2. Discover it®

Discover it® Apply Now See Details
Intro Rate: 0% Intro APR* on purchases and balance transfers for 14 months
Interest Rate: 10.99%-22.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% Intro APR, great cash back opportunities

3. Chase Slate®

Chase Slate® Apply Now See Details
Intro Rate: 0% Intro APR for 15 months
Interest Rate: 12.99%,17.99%, 22.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% intro APR for 15 months plus no balance transfer fees within the first 60 days

4. Citi ThankYou® Preferred Card - Earn Up To 20,000 Bonus Points

Citi ThankYou® Preferred Card - Earn Up To 20,000 Bonus Points Apply Now See Details
Intro Rate: 0% introductory offer for 12 months on purchases & balance transfers
Interest Rate: 12.99-22.99% Variable
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: Bonus sign up offer of up to 20,000 points

5. The Choice Privileges® Visa® Card

The Choice Privileges® Visa® Card Apply Now See Details
Intro Rate: None
Interest Rate: 15.24 or 19.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Choice Privileges rewards program; No annual fee

6. The Wyndham Rewards® Visa Signature® Card

The Wyndham Rewards® Visa Signature® Card Apply Now See Details
Intro Rate: None
Interest Rate: 15.24 or 19.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: No annual fee; Wyndham rewards

7. NFL Extra Points Credit Card

NFL Extra Points Credit Card Apply Now See Details
Intro Rate: None
Interest Rate: 14.99% or 22.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Card art from all 32 NFL teams; NFL perks

8. Upromise World MasterCard®

Upromise World MasterCard® Apply Now See Details
Intro Rate: 0% intro APR for the first 12 billing cycles
Interest Rate: 12.99 or 20.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Cash back program; College savings plan

9. The CarnivalTM MasterCard®

The CarnivalTM MasterCard® Apply Now See Details
Intro Rate: 0% APR on all purchases for the first 12 months
Interest Rate: 13.99-20.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Bonus sign up points, Introductory APR

10. Citi® Dividend Platinum Select® Visa® Card

Citi® Dividend Platinum Select® Visa® Card Apply Now See Details
Intro Rate: 0%* on purchases and balance transfers for 12 months*
Interest Rate: 12.99-22.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory APR offer, cash back on every purchase, no annual fee

11. Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card Apply Now See Details
Intro Rate: 0% Intro APR for 18 months on purchases and balance transfers
Interest Rate: 11.99%-21.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory rate, personalized concierge service, no annual fee

12. Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases

Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases Apply Now See Details
Intro Rate: 0%* on purchases and balance trasnfers for the first 12 billing cycles
Interest Rate: 14.99 or 18.99% (V)
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Intro points offer; Intro APR; No annual fee

13. The L.L. Bean Visa Card

The L.L. Bean Visa Card Apply Now See Details
Intro Rate: None
Interest Rate: 13.99-19.99% (Variable)
Annual Fee: $0

Credit Profile : Good

Editor Rating :

Best Card Features: Earn 3% LLBean rewards; No annual fee

14. Simmons First Visa Platinum

Simmons First Visa Platinum Apply Now See Details
Intro Rate: N/A
Interest Rate: 7.25% Variable
Annual Fee: No Annual Fee

Credit Profile : Excellent

Editor Rating :

Best Card Features: Low on-going APR, Travel Benefits

15. Simmons First Visa Platinum Rewards

Simmons First Visa Platinum Rewards Apply Now See Details
Intro Rate: None
Interest Rate: 9.25% Variable
Annual Fee: None

Credit Profile : Excellent

Editor Rating :

Best Card Features: Low interest rate, travel rewards, no annual fee