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No Annual Fee

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.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

Best Card Features:
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • Earn unlimited 1.5% cash back on every purchase, every day
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 23.24% (Variable)
  • Intro Rate :
    0% intro on purchases for 9 months; 0% intro on balance transfers for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% – 23.24% based on your creditworthiness
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 23.24%* (Variable)
  • Intro Rate :
    0% intro APR for 18 months on balance transfers*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.24% - 22.24% (Variable)
  • Intro Rate :
    0% intro on purchases for 12 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • 0% Intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*

 

Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 23.24%* (Variable)
  • Intro Rate :
    0% Intro APR on purchases and balance transfers for 15 months
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.24%, 20.24% or 25.24% Variable
  • Intro Rate :
    0% First twelve billing cycles following each balance transfer that posts to account within 45 days of account opening
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.99%, 19.99% or 24.99%* Variable
  • Intro Rate :
    0% for 15 months (on balance transfers made within 45 days of account opening) See website for Details*
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.24% - 22.24%* (Variable)
  • Intro Rate :
    0% on purchases and balance transfers for 21 months*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% – 23.24% based on your creditworthiness.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 23.24% (Variable)
  • Intro Rate :
    0% intro APR on purchases and balance transfers for 21 months*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 5,000 bonus points after your first purchase within 90 days of approval
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony® purchases at authorized retailers, with purchase confirmation
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.24% - 24.99% (Variable)
  • Intro Rate :
    0% intro on purchases until October 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There’s no limit to the amount of cash back you can earn, and rewards don’t expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    20.24% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Fair Credit
Best Card Features:
  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.24% - 24.24%* (Variable)
  • Intro Rate :
    0%* on purchases for 7 months
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months of approval
  • Miles don’t expire, and there are no categories to limit where or what you buy
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 21.24% (Variable)
  • Intro Rate :
    0% on purchases for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months of approval
  • Save on interest with 0% intro APR on purchases for 9 months; 13.24%-21.24% variable APR after that
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 21.24% (Variable)
  • Intro Rate :
    0% on purchases for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    23.24% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Fair Credit
Best Card Features:
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    24.99% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Fair Credit
Best Card Features:
  • Earn 5,000 bonus points after your first purchase within 90 days of approval
  • 5 points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on movie theaters, movie rentals, music downloads, and digital streaming and subscription services
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.24% - 24.99% (Variable)
  • Intro Rate :
    0% intro on purchases until October 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit