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No Annual Fee Credit Cards
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No Annual Fee Credit Cards are cards that don't carry a charge just for having a credit card. No annual fee cards include 0% introductory rate cards, low interest rate cards, and instant approval cards. Most customers with good credit can be accepted to a no annual fee credit card. Compare No annual fee credit cards below.
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Discover® More Card
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| 0% APR on purchases and balance transfers for up to 12 months |
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5% Cashback Bonus® in categories that change four times a year like travel, apparel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99% |
None |
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Discover® Motiva Card
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Cash Rewards for your good credit management!*
Pay-On-Time BonusSM equal to a full month’s interest
5% to 20% Cashback Bonus® at top online retailers
Up to 1% Cashback Bonus® on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
Free payment by phone
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 3.9% for 6 mo. |
3.9% for 12 mo. |
10.99% |
None |
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Discover® Open Road Card
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0% Intro APR
Save at the pump and everywhere else.
5% Cashback Bonus® on gas and auto maintenance purchases
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus® on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 12 mo. |
10.99% |
None |
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Discover® More Card - Monogram
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| 0% APR* on purchases and balance transfers for up to 12 months |
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5% Cashback Bonus® in categories that change four times a year like travel, apparel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for up to 12 mo. |
0%* for up to 12 mo. |
10.99% |
None |
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Discover® More Card - American Flag
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| 0% APR* on purchases and balance transfers for up to 12 months |
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5% Cashback Bonus® in categories that change four times a year like travel, apparel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for up to 12 mo. |
0%* for up to 12 mo. |
10.99% |
None |
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Chase BP Visa® Card
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0% APR for up to 6 months
No Annual Fee
Double Rebates for two months
5% rebates on all participating BP location purchases
2% rebates on all eligible travel and dining purchases
1% rebates on all other eligible purchases
No limit on rebates
Redeem every $25 rebates for: BP Gift Card, cash, donation to the Conservation Fund
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 6 mo. |
12.24% |
None |
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Chase Free Cash RewardsSM Visa® Card
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1 point for every eligible dollar in purchases
1,000 Bonus Points after your first purchase
Intro 0% Fixed APR for up to 12 months
No Annual Fee
Get your rewards with as few as 2,500 points
Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Chase Platinum® Visa Card
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0% Introductory APR for up to 12 months* on balance transfers and purchases
APR as low as 11.99% thereafter
Free travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
Platinum Visa® benefits
Free online account access
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo.* |
0% for 12 mo.* |
11.99% |
None |
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IN:CHICAGO from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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Blue Cash® from American Express®
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| Up to 5% Cash Back with Unlimited Cash Rewards |
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Earn unlimited cash back
0% Intro APR for 6 months on purchases
Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
No Annual Fee
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
4.99% with application |
12.24% |
None |
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Clear from American Express®
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| NO fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees |
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Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500
Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours
No annual fee and 0% intro APR for up to 12 months
World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
5.99% with application |
11.99% |
None |
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IN:LA from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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IN:NYC from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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Chase Freedom Credit Card
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Receive $50 after you make your first purchase
3% Cash Back in your top 3 everyday spending categories
1% cash back for every $1 you spend on all other purchases
Receive an extra $50 each time you save and redeem $200 in rewards
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
15.24% |
None |
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Chase PerfectCard™ MasterCard®
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6% rebates on ALL eligible gas purchases at ANY gas station for the first 90 days
3% rebates on ALL eligible gas purchases at ANY gas station after the first 90 days
1% rebates on ALL other purchases made anywhere else
0% Intro APR for up to 6 months
No Annual Fee
Earn rewards wherever the road takes you with the Chase PerfectCard. Rebates are automatically credited toward future purchases made on your card.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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Chase Platinum MasterCard®
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0% Intro APR for up to 12 months
Interest-free grace period when you pay your bill in full each month
FREE Online Account Access
FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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TrueEarnings from Costco and American Express
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| Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card! |
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Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
No Annual Fee with your paid Costco Membership.
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
The flexibility to pay charges over time.
No Limit on the Cash Back earned.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 3 months |
1.99% for 6 months |
15.99% |
$0 |
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Discover® More Card - Wildlife Collection
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| 0% APR* on purchases and balance transfers for up to 12 months |
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5% Cashback Bonus® in categories that change four times a year like travel, apparel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for up to 12 mo. |
0%* for up to 12 mo. |
10.99% |
None |
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Discover® More Card - Sealife Collection
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| 0% APR* on purchases and balance transfers for up to 12 months |
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5% Cashback Bonus® in categories that change four times a year like travel, apparel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for up to 12 mo. |
0%* for up to 12 mo. |
10.99% |
None |
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Capital One® Platinum Prestige
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| 7.9% APR on purchases and balance transfers |
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Your APR will not increase simply because you pay late only once or go over your credit limit
No annual fee and no balance transfer fees
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
7.9% |
None |
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Capital One® No Hassle Points Rewards
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Earn 2 points per dollar spent at gas stations, major grocery and drug stores
1 point per dollar spent on all other purchases
13.9% APR on purchases and balance transfers
Points won’t expire for the life of your account and there’s no limit to the number of points you can earn
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
13.9% |
None |
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No Annual Fee Airline Credit Cards
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Miles by Discover® Card
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| 0% Intro APR |
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Double Miles on travel and restaurant purchases $3,000 each year
1 Mile for every $1 you spend on all your other purchases
Unlimited Miles that never expire as long as you use your card
Travel without restrictions
Book it through any airline, travel agent or online site
No Annual Fee
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
10.99% |
None |
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Chase Flexible Rewards Platinum Visa® Card
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With the Flexible RewardsSM Platinum Visa® card, you can earn 1 point for every eligible dollar spent and turn everyday purchases into extraordinary rewards
Merchandise - Choose from a variety of great brand name products.
Travel - Earn airline tickets, hotel stays or car rentals.
Cash back - Redeem 3,500 points and receive a $25 check.
Gift cards - Get free stuff from your favorite stores and restaurants.
Enjoy great rewards that you can redeem with as few as 2,500 points.
Save even more with a 0% Intro APR for up to 12 months and no annual fee.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Blue Sky® from American Express
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| Earn points on everything you buy with the Card |
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Redeem points to save on any airline, hotel, rental car or cruise - up to $100 off for every 7,500 points
Earn 1 point for every dollar you spend
Travel anytime: No blackout dates or restrictions
No annual fee and 0% intro APR for 6 months
World class cardmember benefits including Travel Accident Insurance, Buyers Assurance Plan, and Return Protection
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
4.99% with application |
10.99% |
None |
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Chase TravelPlus Visa® Card |
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Earn 2 miles per $1 on travel purchases
Earn 1 mile per $1 on all other purchases
Annual rewards fee of $29
Redeem for airline tickets, cash, gift cards and more!
Intro 0% Fixed APR for up to 12 months
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
15.24% |
None |
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Capital One® No Hassle Miles Rewards
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| 13.9% APR on purchases and balance transfers |
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Earn 1.25 miles for each dollar spent on purchases
No blackout dates or seat restrictions
No expiration date on miles and no limit on the miles you can earn
Earn miles 25% faster than regular miles cards.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
13.9% APR |
None |
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No Annual Fee Student Credit Cards
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Discover® Student Card |
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Build your credit history!
Earn more cash in more ways than anyone else
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 80 Cashback Bonus® Partners*
Customer Service in less than a minute, anytime you want
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
None |
16.99% |
None |
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Discover® Student Card- Clear |
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Build your credit history!
Earn more cash in more ways than anyone else
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 80 Cashback Bonus® Partners*
Customer Service in less than a minute, anytime you want
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
None |
16.99% |
None |
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Discover® Student Card - Tropical Beach |
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Build your credit history!
Earn more cash in more ways than anyone else
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 80 Cashback Bonus® Partners*
Customer Service in less than a minute, anytime you want
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
None |
16.99% |
None |
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Discover® Student Open Road Card
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0% Interest on Purchases for 6 Months
Build Your Credit History
Full 5% Cashback Bonus® on gas and auto maintenance purchases
Up to 1% Cashback Bonus on all other purchases
$0 Fraud Liability Guarantee
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
None |
16.99% |
None |
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Capital One® Standard Platinum for Students
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| 0% APR on purchases until October 2008. After that, variable APR, currently 17.8% |
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No annual fee or balance transfer fees
A manageable credit line to help control your finances
$0 fraud liability if your card gets lost or stolen
Online account services
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% until Oct. 2008 |
None |
17.8% |
None |
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No Annual Fee Business Credit Cards
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Capital One® Business Platinum
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0% APR on purchases until June 2009
No annual fee
Free year-end summary
Free employee cards with individual spending limits you set
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% until June 2009 |
None |
14.99% |
None |
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Discover® Business Card
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0% Intro APR* on Balance Transfers and Card Purchases for 12 months
5% Cashback Bonus® on office supplies, 2% on gas, and up to 1% on all other purchases
Fee-free Purchasechecks that earn Cashback Bonus® to pay merchants who don't accept credit cards
Free employee cards with customizable limits and monthly reporting on their spending
No annual fee
Earn $100 Cashback Bonus when you apply now
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for 12 mo. |
0%* for 12 mo. |
13.99%* |
None |
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Discover® Business Miles Card
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0% Intro APR* on Card Purchases and Balance Transfers
12,000 Bonus Miles*
Earn Double Miles on travel and gas*
Travel with no restrictions – book any airline, any date, any seat
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for 12 mo. |
0%* for 12 mo. |
13.99% |
None |
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SimplyCash® Business Card from American Express® |
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Earn 5% cash back on automobile gas, office supplies, and wireless services
Earn 1% cash back on virtually all other purchases
Cash back is automatically credited to the statement each month
0% introductory APR for the first 12 months
No annual fee with the flexibility to pay in full or carry a balance
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
7.99% for l.o.b.* |
6.5% |
None |
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Starwood Preferred Guest® Business Credit Card |
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Winner of 2006 Freddie Awards: Voted Best Travel Rewards Credit Card by frequent travelers
Earn 10,000 Starpoints® with your first purchase — that's good for up to 3 free nights!
5% Cashback Bonus® on office supplies, 2% on gas, and up to 1% on all other purchases
Redeem at over 825 participating Starwood hotels
Transfer Starpoints to over 30 frequent flyer programs
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
No annual fee for the first year - a savings of $45
Voted Best Affinity Credit Card by frequent travelers in 19th Annual Freddie Awards |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 2.90% for 6 mo. |
2.90% for 6 mo.* |
13.99%* |
None |
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Blue Cash® for Business Credit Card |
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Up to 5% Cash Back on virtually all purchases
There's no limit on the cash back you can earn
Earn cash rewards on purchases made by Additional Cardholders
0% Intro APR for 6 months
No annual fee
Option to pay over time or pay in full
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
9.99% for l.o.b.* |
9.49% |
None |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 15 mo. |
4.99% with application |
8.99% |
None |
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Platinum Business Credit Card from American Express®
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| Option to enroll in the Membership Rewards® Express Program fee-free |
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There's no limit to the number of points you can earn
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
0% APR for the first 12 months
No annual fee and fee-free Additional Cards
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
4.99% with application |
8.99% |
None |
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Chase Platinum Visa® Business Card |
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Save with 0% Intro APR for up to 12 months
Free Online Reporting - Quarterly reports enable you to monitor your business spending.
Platinum Business Benefits - Valuable benefits such as Travel and Emergency Assistance, Purchase Security and Extended Protection, and Travel Accident Insurance.
Visa® Business Partner Advantage - Savings of up to 20% from leading retailers with special offers on computer equipment, office supplies and more.
No annual fee/td>
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
9.24% |
None |
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TrueEarnings® Business Card from Costco and American Express |
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5% rewards for buying gas.
3% rewards for dining out.
2% rewards for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operator merchants.
1% rewards on all other Eligible Purchases.
Rebates are awarded annually in the form of an in-store coupon.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 3 momths |
1.99% for 6 months |
15.99% |
None |
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Platinum Business FreedomPass® Credit Card from OPEN the small business team |
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5,000 point welcome bonus with first purchase
Earn 1 point for every dollar you spend
Redeem for savings on any flight, hotel, car rental or cruise
No blackout dates and no travel restrictions
0% Introductory APR on purchases for the first 12 months
No annual fee and the option to pay over time or pay in full
Fee-free Additional Cards
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more. |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 months |
7.99% for l.o.b. |
9.99% |
None |
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Advanta Platinum with Rewards BusinessCard
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0% APR on balance transfers for 15 months
7.99% Fixed APR thereafter
5% Cash Back or Travel Rewards
No Annual Fee and No Limit on the Total Reward You Can Earn
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0%* for 15 mo. |
7.99%* |
None |
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Advanta Platinum BusinessCard
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0% APR on balance transfers for 12 months
0% APR on purchases for 12 months
Up to $50,000 credit line
No Annual Fee
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
13.74% |
None |
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Advanta Life-of-Balance Platinum Card
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2.99% Fixed APR for Life on Balances Transferred within 3 months
6% Cash Back or Travel Rewards
No Annual Fee and No Limit on the Total Rewards You Can Earn
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
2.99% for the life |
9.99% |
None |
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Advanta Customized BusinessCard
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0% APR on balance transfers for 15 months
7.99% Fixed APR thereafter
5% Cash Back or Travel Rewards
No Annual Fee and No Limit on the Total Rewards You Can Earn
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 12 mo. |
7.99% |
None |
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