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Check out Balance Transfer.com! It's a nice web site about money saving "balance transfer" credit cards where you can compare BT and low APR credit cards.

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Credit Cards for Students - Discover® Student Card - Monogram Collection

No Annual Fee Credit Cards

You can choose a credit card type from the menu bar on the left or browse through the full list of our best No Annual Fee credit cards below. Find information to compare fees, bonuses, and other card features, in the more info section of each card.


Blue from American Express®Credit Card
Apply Now! Blue from American Express®

0% APR for up to 15 months - Get Blue from American Express®

Summary:

APR for Balance Transfers: 4.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Intro APR for Purchases: 0.00% (for Up to 15 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Membership Rewards® Points

    Features:
  • Membership Rewards ExpressSM program
  • 0% APR for up to 15 months
  • Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance
  • No annual fee
  • Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences
More info           Apply

Citi CashReturnsSM CardCredit Card
Apply Now! Citi CashReturns Card

Cash back, without limits.

Summary:

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: 1-5% Cashback

    Features:
  • Earn a full 1% cash back on every purchase*
  • Get a 20% bonus on the cash back earned on all purchases for the first 12 months
  • Checks will be sent automatically every time you earn $50 — no calling necessary
  • 0% APR* on balance transfers for up to 12 months
  • No Annual Fee

    *See Terms and Conditions.
More info           Apply

MoneyReturn® Visa® Platinum Plus®Credit Card
Apply Now! MoneyReturn® Visa® Platinum Plus®

Get back 10% of your yearly interest charges!

Summary:

APR for Balance Transfers: 0.00% (for six billing cycles)
Balance Transfer Fee: 3% (minimum $10)
Ongoing APR: Prime + 5.99% (Currently 10.99%)
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $15-$39
Reward Program: Cash Back (on interest charges)

    Features:
  • No annual fee
  • 0% Introductory APR on balance transfers and cash advance checks for your first 6 billing cycles*
  • Get back 10% of your yearly interest charges
  • Card issued by FIA Card Services, NA.

    *See important rate and fee information.
More info           Apply

Capital One® Standard PlatinumCredit Card
Apply Now! Capital One® Standard Platinum

Great choice if you carry a balance short-term.

Summary:

APR for Balance Transfers: 17.80%
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 17.80%
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Returned Check Fee: $39.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Saving Zone Discounts

    Features:
  • Enjoy 0% on purchases until October 2008
  • No annual fee
  • Exclusive savings: up to 40% on featured deals and 10% on everything else at the Capital One Saving Zone on Yahoo! Shopping

    *See website for Disclosures.
More info           Apply

Citi® Home Rebate Platinum Select® MasterCard®Credit Card
Apply Now! Citi® Home Rebate Platinum Select® MasterCard®

Time flies. Wouldn't it be nice if your mortgage did too?

Summary:

APR for Balance Transfers: Prime + 4.99% (Currently 9.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Ongoing APR: Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Mortgage Rebate

    Features:
  • Receive 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunication for 12 months
  • Receive 1% on all other purchases
  • Rebate automatically applied to your mortgage principal
  • NO CAP or limits on the amount of rebates you can accumulate in a year
  • No annual fee

    *See Terms and Conditions.
More info           Apply

Chase Free Cash RewardsSM Visa® CardCredit Card
Apply Now! Chase Free Cash Rewards Visa® Card

A decision that's easy to make: FREE CASH!

Summary:

APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: from Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Cash Back or Gift Card/Certificate

    Features:
  • Earn 1 point for every eligible $1 in purchases*
  • 1,000 Bonus Points* with your first purchase
  • Intro 0% Fixed APR for up to 12 months*
  • No Annual Fee
  • Get your rewards with as few as 2500 points
  • Choose from either a $25 check or a $25 gift card/certificate

    *See Pricing & Terms.
More info           Apply

AARP Rewards Platinum Visa® CardCredit Card
Apply Now! AARP Rewards Platinum Visa® Card

A full 1% back for every dollar you spend.

Summary:

APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: Prime + 14.74% (Currently 19.74%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $29.00
Reward Program: Rewards Points

    Features:
  • Earn one reward point for every dollar you spend.*
  • 0% APR for up to 6 months and pay no annual fee.*
  • No telemarketing calls.
  • Zero unauthorized liability.
  • Exclusive discounts for AARP Platinum Visa cardmembers.
  • Automatic AARP Rewards Platinum Visa card benefits.

    *See Pricing & Terms.
More info           Apply

Chase PerfectCard™ MasterCard®Credit Card
Apply Now! Chase PerfectCard™ MasterCard®

SAVINGS YOU CAN TAKE ON THE ROAD - SAVE 6%!

Summary:

APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: from Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None*
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Rebate (Credit)

    Features:
  • 6% rebates on ALL gas purchases at ANY gas station for the first 90 days*
  • 3% rebates on ALL 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

    *See Pricing & Terms.
More info           Apply

Chase Flexible RewardsSM Platinum Visa®Credit Card
Apply Now! Chase Flexible Rewards Platinum Visa®

Your choice. Your chase.

Summary:

APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Bonus Points

    Features:
  • Earn 1 point for every dollar spent*
  • Earn airline tickets, hotel stays or car rentals.
  • 0% introductory APR* for up to 12 months
  • The time period for the intro APR and balance transfers to which it will apply will be based on review of your application and credit history
  • No Annual Fee

    *See Pricing & Terms.
More info           Apply

Blue Cash® from American Express®Credit Card
Apply Now! Blue Cash® from American Express®

Say hello to the newest Blue - BLUE CASH from American Express®.

Summary:

APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Up to 5% Cash Back

    Features:
  • Up to 5% cash back on all qualified purchases*
  • 0% Intro APR for 6 months
  • Online application approval decisions in under 60 seconds
  • Balance Transfer APR 4.99%
  • Go To Rate: Prime + as low as 4.99%, currently 9.99%
  • Flexibility to pay over time
  • No annual fee

    *See Terms, Conditions & Disclosures
More info           Apply

Citi® Diamond Preferred® Rewards CardCredit Card
Apply Now! Citi® Diamond Preferred® Rewards Card

For every passion, there's a reward.

Summary:

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)*
Ongoing APR: As low as Prime + 5.49% (Currently 10.49%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Reward Points, Gift Card

    Features:
  • 0% APR* on balance transfers for up to 12 months
  • $50 Gift Card - Earn 6,000 bonus points after $100 in purchases made within 3 months of account opening*
  • 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases*
  • No annual fee and FREE rewards program
  • Citi® Identity Theft Solutions
  • Price Protection Program
  • $0 Liability on unauthorized purchases

    *See Terms and Conditions.
More info           Apply

Citi® Diamond Preferred® CardCredit Card
Apply Now! Citi® Diamond Preferred® Card

Apply now — it's in your best interest!

Summary:

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00

    Features:
  • 0% APR* on balance transfers and purchases for up to 12 months
  • No annual fee
  • Citi® Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management
  • Balance transfer fee applies with this offer

    *See Terms and Conditions.
More info           Apply

Citi® Bronze® / AAdvantage® World MasterCard®Credit Card
Apply Now! Citi® Bronze® / AAdvantage® World MasterCard®

Get the only Citi® / AAdvantage® Card with no annual fee.

Summary:

Balance Transfer Fee: 3% (minimum $5)
Ongoing APR: Prime + 9.99% (Currently 14.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: AAdvantage® Miles

    Features:
  • Receive 5,000 Bonus Miles after your first purchase with the card*
  • Earn 1 AAdvantage® mile for every $2 you spend on eligible purchases*
  • No blackout dates*
  • AAdvantage® miles may never expire*
  • No annual fee for your card
  • No annual fee for American Airlines AAdvantage® program membership

    *See Terms and Conditions.
More info           Apply

AT&T Universal Savings Platinum CardCredit Card
Apply Now! AT&T Universal Savings Platinum Card

The innovation that saves you 10% on all the others.

Summary:

APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)*
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Up to 10% Savings*

    Features:
  • Up to 10% savings for the first 12 months on AT&T purchases*
  • Plus AT&T calling benefits*: Up to 30 free phone minutes each month
  • 0% APR on balance transfers for 12 months*
  • No annual fee

    *See Terms and Conditions.
More info           Apply

Citi® Platinum Select® MasterCard®Credit Card
Apply Now! Citi® Platinum Select® MasterCard®

We'd like to peak your interest, not your interest rate.

Summary:

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00

    Features:
  • 0% APR* on balance transfers and purchases for up to 12 months
  • No annual fee
  • Citi® Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management

    *See Terms and Conditions.
More info           Apply

HSBC Weekend CardCredit Card
Apply Now! HSBC Weekend Card

Cash back on all purchases, all the time—double cash back on weekends.

Summary:

APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99%
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $15)*
Annual Fee: None
Reward Program: 1-2% Unlimited Cash Back

    Features:
  • Earn a full 2% cash back on every single credit card purchase made on Saturdays and Sundays
  • 1% cash back on every single credit card purchase made Monday through Friday
  • Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
  • Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance
  • 0% Introductory APR on balance transfers for 12 months*
  • No annual fee

    *See terms & conditions.
More info           Apply

Chase Disney Visa® CardCredit Card
Apply Now! Chase Disney Visa® Card

Get a variety of magical rewards no other card can match!

Summary:

APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $14-$34
Overlimit Fee: $29.00
Reward Program: Disney RewardsSM

    Features:
  • No Annual Fee
  • 0% Intro APR for up to 12 months*
  • No Block-out Dates
  • Visa® Platinum Benefits

    *See Pricing & Terms.
More info           Apply

IberiaBank MasterCard®Credit Card
Apply Now! IberiaBank MasterCard®

Some of the lowest rates in the nation.

Summary:

APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
Cash Advance APR: As low as Prime + 0.00% (Currently 5.00%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00

    Features:
  • Variable rates as low as 7.25%
  • No annual membership fee
  • 0% Introductory APR on balance transfers for your first 6 billing cycles
  • 25 Day grace period
  • Online access to credit card information

    Download the Terms & Conditions here.
More info           Apply

Clear from American Express®Credit Card
Apply Now! Clear from American Express®

Clear has absolutely no fees.

Summary:

APR for Balance Transfers: Fixed 5.99% (for Life of Balance)
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: None
Annual Fee: None
Returned Check Fee: None
Late Fee: None
Overlimit Fee: None
Reward Program: Automatic Rewards

    Features:
  • 0.00% Intro APR for up to 12 months
  • 5.99% fixed APR on balance transfers
  • Automatic Rewards
  • Flexibility to pay over time
  • User-friendly credit report and score
  • American Express World-Class customer service
More info           Apply

GM Flexible Earnings CardCredit Card
Apply Now! GM Flexible Earnings Card

The GM Flexible Earnings Card gives you the power to choose!

Summary:

APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $10; maximum $99)
Ongoing APR: As low as 14.24%
Cash Advance APR: Prime + 15.40% (Currently 20.40%)
Minimum Cash Advance APR: 20.99%
Cash Advance Fee: 3% (minimum $15)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $35.00
Reward Program: GM Flexible Earnings

    Features:
  • 0% introductory APR for 12 months (on balance transfers)
  • A full 1% cash back option
  • A full 1% earnings toward any other new vehicle
  • Triple your earnings to 3% toward an eligible, new GM vehicle
  • No annual fee

    *View card Terms and Conditions.
More info           Apply

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