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. 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

2. Chase Slate®

Chase Slate® Apply Now See Details
Intro Rate: 0% Intro APR for 15 months
Interest Rate: 12.99%,17.99%, or 22.99 (V)
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

3. Chase Freedom®

Chase Freedom® Apply Now See Details
Intro Rate: 0% for 15 Months
Interest Rate: 13.99%-22.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: 15 month 0% intro APR plus $100 bonus after your first $500 in purchases within the first 3 months of cardmembership

4. Chase Sapphire® Card

Chase Sapphire® Card Apply Now See Details
Intro Rate: n/a
Interest Rate: 15.99% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Attractive points program; No annual fees

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. 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%, 16.99% or 20.99%* Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Bonus sign up points, Introductory APR

8. Barclaycard Arrival™ World MasterCard®

Barclaycard Arrival™ World MasterCard® 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

9. 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

10. 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

11. USAA World MasterCard®

USAA World MasterCard® Apply Now See Details
Intro Rate: None
Interest Rate: 9.90% - 25.90% Variable
Annual Fee: None

Credit Profile : Excellent

Editor Rating :

Best Card Features: No annual fee

12. USAA Cash Rewards World MasterCard®

USAA Cash Rewards World MasterCard® Apply Now See Details
Intro Rate: None
Interest Rate: 9.90% - 25.90% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: No annual fee; Rewards program

13. USAA Visa®

USAA Visa® Apply Now See Details
Intro Rate: None
Interest Rate: 9.90% - 25.90% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Low starting APR; No annual fee

14. USAA Rate Advantage MasterCard®

USAA Rate Advantage MasterCard® Apply Now See Details
Intro Rate: None
Interest Rate: 6.90% - 23.90% Variable
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Low starting APR; No annual fee

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