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:
  • NEW! Unlimited 1.5% cash back on every purchase – it’s automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.24%-23.24% Variable
  • Intro Rate :
    0% Intro APR for 15 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Excellent Credit
Best Card Features:
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
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 and 0% intro on balance transfers for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    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 Needed :
    Excellent Credit
Best Card Features:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, 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 Needed :
    Good Credit
Best Card Features:
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% – 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    11.24% - 21.24% Variable APR on purchases and balance transfers
  • Intro Rate :
    0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Excellent Credit
Best Card Features:
  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 23.24% Variable APR on purchases and balance transfers
  • Intro Rate :
    0% for 12 billing cycles for purchases and for any balance transfers made within 60 days of account opening
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Excellent Credit
Best Card Features:
  • Chase Slate named “Best Credit Card for Balance Transfers” three years in a row by MONEY Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
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 15 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Excellent Credit
Best Card Features:
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases – it’s automatic
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.24%-23.24% Variable
  • Intro Rate :
    0% Intro APR for 15 Months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Excellent Credit
Best Card Features:
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.24% - 23.24% Variable APR on purchases and balance transfers
  • Intro Rate :
    0% for 12 billing cycles on purchases
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Excellent 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 Needed :
    Excellent Credit
Best Card Features:
  • LIMITED-TIME OFFER: Earn 10,000 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.
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 Needed :
    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:
    15.24%, 19.24% or 23.24%* Variable
  • Intro Rate :
    0% intro APR for the first 12 months on purchases, plus 0% intro APR for the first 12 months on balance transfers made within the first 45 days of account opening
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    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.
  • Citi Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
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 Needed :
    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 Needed :
    Excellent Credit
Best Card Features:
  • All 32 NFL team cards are available, customized with your favorite team’s colors and logo
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
  • 20% off purchases at NFLShop.com – that’s $20 off every $100 you spend
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.24%, 20.24% or 25.24% variable
  • Intro Rate :
    0% Promo APR for 6 months on eligible NFL ticket purchases
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Good Credit
Best Card Features:
  • Bonus Intro Offer: Earn 20,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of account opening. These miles equal a $200 travel statement credit! Plus there’s no mileage caps, so you can continue to earn rewards on all your purchases.
  • Introductory APR: Earn 0% on balance transfers for your first 12 billing cycles when made within the first 45 days of account opening .
  • Rewards Program: Earn 1 mile on every purchase made on the card, plus earn 2 miles on all travel and dining purchases. Points can be redeemed on any airline, anytime as well as hotels and cruises.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    16.24%, 20.24% or 24.24%* Variable
  • Intro Rate :
    0%* on balance transfers for the first 12 months when made within the first 45 days of account opening
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Excellent Credit
Best Card Features:
  • -Earn 40,000 Hilton HHonors™ Bonus Points after making $1,000 in purchases within the first 4 months of account opening.
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.49% - 19.49* (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    None
  • Editor Rating :
  • Credit Needed :
    Excellent Credit
Best Card Features:
  • Low On-Going APR: This card has an extremely low on-going APR, one of the lowest available.
  • Travel Benefits: This card features up to $1,000,000.00 in travel accident insurance along with over travel protection benefits.
  • Low Cash Advance APR: This card also has an extremely low cash advance APR.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    7.50% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    No Annual Fee
  • Editor Rating :
  • Credit Needed :
    Excellent Credit
Best Card Features:
  • Worldwide Acceptance: This card is accepted worldwide anywhere Visa cards are accepted plus offers 24 hour cash from any ATM where Visa cards are accepted.
  • Low Interest Rate: This card features an extremely low on-going APR, one of the lowest in the industry.
  • Travel Benefits: This card comes with numerous travel benefits, including accident insurance, emergency cash and card replacement, and rental car coverage.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    9.50% Variable
  • Intro Rate :
    None
  • Annual Fee:
    None
  • Editor Rating :
  • Credit Needed :
    Excellent Credit
Best Card Features:
  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 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 April 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    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 Needed :
    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 Needed :
    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 the first 3 months
  • 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 Needed :
    Good Credit
Best Card Features:
  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Pay no annual fee or foreign transaction fees
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 Needed :
    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 Needed :
    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 Needed :
    Fair Credit
Best Card Features:
  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 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 April 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Needed :
    Excellent Credit