Credit Cards With No Annual Fee
Get personalized credit card offers in less than a minute without affecting your credit scores.
Personalized credit card partner offers are not available in Maine, Massachusetts, Nevada, New Hampshire, North Dakota, Oregon, Rhode Island, Tennessee, and Vermont.
33 Card Offers
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Discover it® Student Cash Back
Intro APR
0% Intro APR on Purchases and 10.99% Intro APR on Balance Transfers for 6 months
Ongoing APR
12.99% - 21.99% Variable APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Capital One Quicksilver Cash Rewards Credit Card
Intro APR
0% on Purchases and Balance Transfers for 15 months
Ongoing APR
14.99% - 24.99% (Variable)
Rewards
1.5% Cash Back on every purchase, every day
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Citi Simplicity® Card
Intro APR
0% for 21 months on balance transfers and 12 months on purchases
Ongoing APR
14.74% - 24.74% (Variable)
Rewards
N/A*
Annual Fee
$0
Fingerhut Advantage Credit Account issued by WebBank
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
29.99%
Annual Fee
$0*
Petal® 1 "No Annual Fee" Visa® Credit Card
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
19.99% - 29.49% Variable
Annual Fee
$0
Capital One Quicksilver Cash Rewards for Good Credit
Intro bonus
N/A
Rewards
1.5% Cash Back on every purchase, every day
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Capital One SavorOne Cash Rewards for Good Credit
Intro bonus
N/A
Rewards
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Wells Fargo Reflect℠ Card
Intro APR
0% Intro APR for up to 21 months from account opening on purchases and qualifying balance transfers
Ongoing APR
12.99% - 24.99% (Variable)
Rewards
N/A*
Annual Fee
$0
Citi Custom Cash℠ Card
Intro APR
0% for 15 months on Purchases and Balance Transfers
Ongoing APR
13.99% – 23.99% (Variable)
Rewards
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
For a limited time, earn $300 in cash back after you spend $1,000 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 30,000 ThankYou® Points, which can be redeemed for $300 cash back.
Annual Fee
$0
Chase Freedom Unlimited®
Intro APR
0% Intro APR on Purchases for 15 months
Ongoing APR
14.99% - 24.74% Variable
Rewards
Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Annual Fee
$0
Capital One Walmart Rewards® Mastercard®
Intro bonus
N/A*
Rewards
5% Back at Walmart.com including Grocery Pickup and Delivery
Ongoing APR
17.99% - 26.99% (Variable)
Annual Fee
$0
Capital One VentureOne Rewards Credit Card
Intro APR
0% on Purchases and Balance Transfers for 18 months
Ongoing APR
14.99% - 24.99% (Variable)
Rewards
1.25x Miles per dollar on every purchase, every day
Earn a bonus of 25,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $250 in travel
Annual Fee
$0
Discover it® chrome
Intro APR
0% Intro APR on Purchases and Balance Transfers for 14 months
Ongoing APR
11.99% - 22.99% Variable APR
Rewards
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Capital One Platinum Secured Credit Card
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Citi Rewards+® Card
Intro APR
0% for 15 months on Purchases and Balance Transfers
Ongoing APR
13.49% - 23.49% (Variable)
Rewards
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Annual Fee
$0
Discover it® Student chrome
Intro APR
0% Intro APR on Purchases and 10.99% Intro APR on Balance Transfers for 6 months
Ongoing APR
12.99% - 21.99% Variable APR
Rewards
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Citi® Double Cash Card - 18 month BT offer
Intro APR
0% for 18 months on Balance Transfers
Ongoing APR
13.99% - 23.99% (Variable)
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Annual Fee
$0
Capital One VentureOne Rewards for Good Credit
Intro bonus
N/A
Rewards
1.25x Miles per dollar on every purchase, every day
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Journey Student Rewards from Capital One
Intro bonus
N/A*
Rewards
1% Cash Back on all purchases, 0.25% Cash Back bonus on the cash back you earn each month you pay on time
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Intro APR
0% on Purchases and Balance Transfers for 15 months
Ongoing APR
14.99% - 24.99% (Variable)
Rewards
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Annual Fee
$0
Credit One Bank Wander™ Card With No Annual Fee
Intro bonus
N/A*
Rewards
Earn 3x points on eligible Recreational & Amusement Park purchases, 2x on eligible restaurant & lodging purchases, and 1x points on all other purchases, terms apply
Ongoing APR
23.99% Variable
Annual Fee
$0
Credit One Bank American Express® Credit Card
Intro bonus
N/A*
Rewards
Earn unlimited 1% cash back rewards on all purchases, terms apply
Ongoing APR
23.99% Variable
Annual Fee
$0
Discover it® Secured Credit Card
Intro bonus
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Ongoing APR
22.99% Variable APR
Annual Fee
$0
Capital One Quicksilver Secured Cash Rewards Credit Card
Intro bonus
N/A*
Rewards
1.5% Cash Back on every purchase, every day
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Upgrade Visa® Card with Cash Rewards
Intro bonus
N/A*
Rewards
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Ongoing APR
8.99% - 29.99%
Annual Fee
$0
Chase Freedom Flex℠
Intro APR
0% Intro APR on Purchases for 15 months
Ongoing APR
14.99% - 24.74% Variable
Rewards
Earn 5% cash back on eligible purchases in rotating categories, 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Annual Fee
$0
Discover it® Balance Transfer
Intro APR
0% Intro APR on Purchases for 6 months and 0% Intro APR on Balance Transfers for 18 months
Ongoing APR
11.99% - 22.99% Variable APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Discover it® Cash Back
Intro APR
0% Intro APR on Purchases and Balance Transfers for 14 months
Ongoing APR
11.99% - 22.99% Variable APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Annual Fee
$0
Discover it® Miles
Intro APR
0% Intro APR on Purchases and 10.99% Intro APR on Balance Transfers for 14 months
Ongoing APR
11.99% - 22.99% Variable APR
Rewards
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
Annual Fee
$0
Wells Fargo Active Cash℠ Card
Intro APR
0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers
Ongoing APR
14.99%-24.99% (Variable)
Rewards
Earn unlimited 2% cash rewards on purchases
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Annual Fee
$0
Citi® Diamond Preferred® Card
Intro APR
0% for 21 months on balance transfers and 12 months on purchases
Ongoing APR
13.74% - 23.74% (Variable)
Rewards
N/A*
Annual Fee
$0
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.
Know more before you apply
See your FICO® ScoreΘ for free
Get your FICO® Score and Experian Credit Report along with the positive and negative factors impacting your credit.
Offers matched to you
We’ll help analyze your individual credit situation and match you to the best offers specifically for you.
Gain a trusted financial partner
Experian’s vast data assets and smart analytics power are available to you so you can be better at credit.
ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.
See if you’re matched before you apply
Apply confidently with personalized offers based on your credit profile now and later, when your credit changes.
