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.
Discover® More® Card
Make your money worth More.SM*
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
Features:
- 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- 0% Intro APR*
- Fraud specialists dedicated to helping you 24/7
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
IberiaBank Visa® Gold Cash Back Rewards Card
Low variable rates, plus 1% cash back!
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Cash Advance APR: As low as Prime + 8.00% (Currently 11.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Reward Program: 1% Cashback
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Cash Advance APR: As low as Prime + 8.00% (Currently 11.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Reward Program: 1% Cashback
Features:
- 1% cash back on everything you buy from day one.
- No limit on cash back; no expiration for the life of your account
- No minimum to redeem for cash
- No annual membership fee
Download the Terms & Conditions here.
True Earnings® Card from Costco and American Express
Earn Cash Back with the True Earnings® Card from Costco and American Express.
Summary:
APR for Balance Transfers: 1.99% (for 6 Months)
Balance Transfer Fee: None if submitted in the first 30 days*
Intro APR for Purchases: 0.00% (for 3 Months)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $15-$35
Overlimit Fee: $29.00
Reward Program: Up to 3% Cash Back
APR for Balance Transfers: 1.99% (for 6 Months)
Balance Transfer Fee: None if submitted in the first 30 days*
Intro APR for Purchases: 0.00% (for 3 Months)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $15-$35
Overlimit Fee: $29.00
Reward Program: Up to 3% Cash Back
Features:
- Earn cash back on gas and a $25 statement credit with your first made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 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
- No Limit on the Cash Back earned
Miles by Discover® Card
A Miles card with no annual fee!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Air Miles
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Air Miles
Features:
- Book any travel, anytime with no blackout dates or restrictions
- Double Miles on up to $3,000 in travel and restaurant purchases each year
- 1 Mile for every $1 on all your other purchases - personal and business
- Unlimited Miles that never expire as long as you use your card
- Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash
- 0% Intro APR*
*View rates, fees, rewards and other important information.
IberiaBank Visa® Platinum Rewards Card
The Platinum Card with the SCORECARD® Bonus Point Program.
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Cash Advance APR: As low as Prime + 8.00% (Currently 11.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Reward Program: ScoreCard® Bonus Points
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Cash Advance APR: As low as Prime + 8.00% (Currently 11.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Reward Program: ScoreCard® Bonus Points
Features:
- No annual fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles
- Earn 1 bonus point for every $1 in net retail purchases and redeem your points for hotel rooms, gourmet dinners, travel, and more
Download the Terms & Conditions here.
Discover® Open Road® Card
5% Cashback Bonus® on gas and auto maintenance purchases
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Full 5% on Gas Purchases*
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Full 5% on Gas Purchases*
Features:
- 0% Intro APR*
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month - up to $1,200 in purchases each year
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus® on all other purchases
- Unlimited cash rewards*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
Discover® More® Card - Clear
5% Cashback Bonus®*!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
Features:
- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
- Talk to a knowledgeable person in less than a minute
- 0% Intro APR*
*View rates, fees, rewards and other important information.
IberiaBank Visa® Classic
Variable rates as low as 8.00%!
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 3.00% (Currently 6.25%)
Cash Advance APR: As low as Prime + 7.00% (Currently 10.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 3.00% (Currently 6.25%)
Cash Advance APR: As low as Prime + 7.00% (Currently 10.25%)
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:
- 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.