Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.
Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.
Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.
No annual fee credit cards are among the most appealing to many consumers these days. Having to pay an annual fee can be a disincentive for applying for an otherwise appealing card. Below, we’ve compiled a list containing our picks for some of the best no annual fee credit cards out there today.
Looking at the cardholder agreements that come with new credit cards can be a bit intimidating, full as they are with descriptions of the copious fees for using the cards’ features. On the plus side, many of the fees that come with a credit card can be avoided through responsible credit card use. Simply paying off your balance every month, for instance, can eliminate the need to pay interest fees, and skipping the cash advance will also let you skip the fee.
Unfortunately, some credit cards come with one particular fee that often can’t be avoided: the annual fee. A fixture of many premium credit cards, the annual fee pays for the various perks and rewards enjoyed by cardholders. That said, a wide variety of issuers offer credit cards — many with valuable rewards like cash back on every purchase — that don’t charge annual fees. Regardless of where you fall on the credit score range, you can likely find the annual-fee-free card for you.
Best No Annual Fee Offers for Good Credit (FICO 700+)
Although building — or rebuilding — credit can be a slow process, it’s definitely worth the time it takes to develop a strong credit history. Those with good credit enjoy many of the best perks in credit, including the best interest rates and the lowest fees — even annual fees.
Since those with good credit represent a low credit risk, they’ll have access to a greater number of premium credit cards than their lower-credit counterparts. This includes a variety of cards that have no annual fee but still offer solid perks and rewards.
Cash Back Cards
Cash back rewards programs give you back a portion of what you spend on qualifying purchases. Most programs reward you with a flat-rate percentage of your purchases as a statement credit, while others also offer bonus cash back on purchases in certain categories.
As an added perk, these cards also have good signup bonuses with attainable minimum spending requirements, giving you even more bang for your — well, no buck, because these cards don’t have any annual fees.
Our in-house credit card experts rate Cash Back offers based on:
Cash back earning rates
Annual and other fees
Regular and introductory APRs
Reward redemption rates
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house credit card experts rate Cash Back offers based on:
Cash back earning rates
Annual and other fees
Regular and introductory APRs
Reward redemption rates
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Apply and you could get a decision in as little as 60 seconds. No annual fee.
Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
Our in-house credit card experts rate Cash Back offers based on:
Cash back earning rates
Annual and other fees
Regular and introductory APRs
Reward redemption rates
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house credit card experts rate Cash Back offers based on:
Cash back earning rates
Annual and other fees
Regular and introductory APRs
Reward redemption rates
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
Of course, if you carry a balance on your cards, you’ll be expected to pay interest fees, which can really eat into any rewards. Pay your card off, in full, every month to avoid paying interest fees on your purchases.
Travel/Miles Cards
For those who travel frequently, either for business or for pleasure, credit cards offering travel rewards can really pay off. Cardholders can earn miles for every dollar spent, then redeem those miles for travel purchases like airline tickets and hotel stays.
To make the most of your travel card, look for programs that allow you to redeem your miles without things like travel restrictions. Those with good credit can also find travel cards with signup bonuses for extra savings.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Air Miles credit cards based on:
Miles earnings rates
Annual and other fees
Travel insurance protection
Travel and other credits
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles to 70,000 Miles.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase
No annual fee
Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
0% intro APR for 15 months on purchases. Then 18.24% - 27.24% Standard Variable Purchase APR will apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Discover is accepted at 99% of places that take credit cards nationwide.
Our in-house experts rate credit card offers based on:
Reward rates and redemptions
Regular and promotional APRs
Annual and other fees
Travel and other credits
General approval rates
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit card offers based on:
Reward rates and redemptions
Regular and promotional APRs
Annual and other fees
Travel and other credits
General approval rates
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
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 as long as your account remains open.
Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
18.24% - 28.24% Variable APR on purchases and balance transfers
$0
Excellent/Good
Additional Disclosure: Bank of America is a CardRates advertiser.
If you’re likely to travel out of the country, look for credit cards that don’t charge foreign transaction fees. These are additional fees tacked onto any purchase made in a foreign country or foreign currency.
Foreign transaction fees are a combination of issuer and bank fees, and can be charged before or after your purchase is converted to US currency. If your card charges foreign transaction fees, be prepared to pay an average of 3% more for purchases made abroad.
Best No Annual Fee Offers for Fair Credit (FICO 650+)
Although those with good credit will have the best options, if your credit falls in the “fair” range you may still qualify for a good everyday card or valuable rewards card that charges no annual fee.
Everyday Card
Whether you’re establishing your fledgling credit or working on smoothing a bumpy credit history, responsible use of a credit card can be a great way to build a healthy credit profile.
Our in-house experts rate credit card offers based on:
Reward rates and redemptions
Regular and promotional APRs
Annual and other fees
Travel and other credits
General approval rates
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit card offers based on:
Reward rates and redemptions
Regular and promotional APRs
Annual and other fees
Travel and other credits
General approval rates
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
A good everyday card for those with fair credit will report to the credit bureaus each month and has no annual fee. Choosing a card with no annual fee and paying off the balance each month will allow you to show good credit behavior without adding another expense to the budget.
Rewards Cards (Fee Dependent on Credit)
Fair credit applicants whose hearts are set on a rewards card may still have some options. As with many things in life, however, those options come with a caveat: only qualified applicants will actually qualify for a $0 annual fee.
8. Credit One Bank® Platinum Visa®
This card is currently not available.
Best Overall Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A
If you apply for a fair-credit rewards card but don’t qualify for the no annual fee offer, you’ll need to determine if the perks and rewards offered by the card are worth the annual fee. This will largely depend on how much you are likely to purchase over the course of the year.
As the graph shows, if you earn 1% cash back on your purchases, it would take $5,000 worth of purchase rewards to earn enough cash back to pay for a $50 annual fee. So, if you are unlikely to spend — and pay off — $5,000 in a year, the card’s rewards are unlikely to cover the annual fee.
Best No Annual Fee Offers for Poor Credit (FICO
As all those with poor credit eventually find, a low credit score equates to a high credit risk to lenders and credit card issuers. High credit risk means higher fees and interest rates, and often includes annual fees.
Even if your credit score plants you firmly in the “bad credit” category, you don’t necessarily need to resign yourself to paying an annual fee. Several options exist for obtaining credit cards without annual fees, including both unsecured and secured cards.
The main difference between unsecured and secured credit cards is, as the name implies, the “secured” part. Secured credit cards require cardholders to put down a deposit as security against defaulting on their credit card bill. Unsecured cards require no deposit but may have higher credit requirements.
Unsecured Cards
If you have poor credit and don’t want to pay an annual fee, but would rather not put down a deposit, your options are a bit limited. In fact, some of the options may require you to meet certain credit qualifications to actually avoid paying an annual fee.
Your credit score may be too low to qualify you for a no annual fee offer. In some cases, your best bet may be to pay the fee, then use the card — responsibly — for six months or so, until your credit improves and you can qualify for a better offer.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
OVERALL RATING
2.5/5.0
Fingerhut Credit Account
2.5/5.0
About this rating
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Easy application! Get a credit decision in seconds.
Build your credit history – Fingerhut reports to all 3 major credit bureaus
Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit cards for bad credit based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Educational resources offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
In addition to paying your balance in full every month to avoid interest fees, be sure to pay your credit card bill on time every month, as well. Not only is this good credit behavior, but you’ll also avoid paying late fees on your card payments.
Secured Cards
Secured credit cards represent less risk to an issuer than unsecured cards because the deposit ensures you won’t default on your card. This means you may have more options for obtaining a credit card that doesn’t charge an annual fee.
With secured cards, the credit limit of your card will be equal to your initial deposit. Since larger credit limits are better for your utilization rate and, thus, your credit score, it may behoove you to make a significant deposit. Your initial deposit is completely refundable.
Our in-house experts rate Secured Credit Cards based on:
Deposit amounts
Annual and other fees
The regular APR
Ease of approval
Rewards offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Secured Credit Cards based on:
Deposit amounts
Annual and other fees
The regular APR
Ease of approval
Rewards offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Secured Credit Cards based on:
Deposit amounts
Annual and other fees
The regular APR
Ease of approval
Rewards offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Secured Credit Cards based on:
Deposit amounts
Annual and other fees
The regular APR
Ease of approval
Rewards offered
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
Raise your credit score by 30+ points.
Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
Additional Disclosure: The information related to Citi® Secured Mastercard® has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.
The deposit you make when opening your secured credit card is kept in a special savings account, which is inaccessible to you while your account is open. Most secured card issuers will reevaluate your credit after 12 to 18 months, and may refund your deposit and upgrade your secured card to an unsecured card automatically if your credit has improved.
Best No Annual Fee Offers for No/Limited Credit
Considered by some issuers to be almost as significant as having poor credit, having no credit, or very limited credit, can make it difficult to find a good credit card, let alone one without an annual fee. That said, options do exist for cards you can use to build your blossoming credit that won’t put an annual dent in your budget.
Business & Consumer Cards
When it comes to building your credit, whether personal or business, the most important ingredient is time. Using a credit card is a good way to help the process, but it certainly won’t happen overnight. Finding a good credit card that doesn’t charge an annual fee can help make the credit-building process a bit more affordable, especially over several years.
Our in-house experts rate credit cards for no or limited credit history based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate credit cards for no or limited credit history based on:
The regular APR
Annual and other fees
Ease of approval
Rewards offered
Credit bureau reporting
Issuer reputation
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Additional Disclosure: Information for this card not reviewed by or provided by Capital One.
While your business and personal credit histories exist separately, your personal credit can influence your business credit. Be sure to use both consumer and business credit cards wisely and responsibly to build healthy credit for you and your company.
Student Cards
As notoriously ill-funded as the proverbial starving artist, the average college student likely has about as much of a credit history as they have spare cash to pay an annual fee. Thankfully, a number of issuers offer cards that don’t require a credit history or an annual fee.
Our in-house experts rate Student Credit Cards based on:
Rewards offered
Annual and other fees
Regular and introductory APRs
Statement credits offered
Ease of approval
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Student Credit Cards based on:
Rewards offered
Annual and other fees
Regular and introductory APRs
Statement credits offered
Ease of approval
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
No credit score required to apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
No annual fee and build your credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.24% - 26.24% applies.
Our in-house experts rate Student Credit Cards based on:
Rewards offered
Annual and other fees
Regular and introductory APRs
Statement credits offered
Ease of approval
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
Our in-house experts rate Student Credit Cards based on:
Rewards offered
Annual and other fees
Regular and introductory APRs
Statement credits offered
Ease of approval
We also consider other cardholder needs and data points specific to the category. We then compare it to similar card offers and evaluate the terms before assigning a numerical value, in which 5.0 represents the best. Ratings are updated as issuer changes occur, and issuers have no influence on our ratings.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. So you could turn $50 cash back into $100. Or turn $100 cash back into $200.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
No credit score required to apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
No annual fee and build your credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.24% - 26.24% applies.
While having no credit history makes you a credit risk to card issuers, having no history is still better than having a bad history, so use your credit card responsibly to avoid damaging your credit history. And remember, no annual fee doesn’t mean no fees at all, so pay your balance in full every month to avoid paying interest fees on your purchases.
Don’t Pay For What You Can Get For Free
When comparing the nearly endless stream of credit card offers out there, it can often seem as though paying fees simply goes hand-in-hand with using a credit card. Whether you’re paying annual fees, interest fees, or transfer fees, the costs of using a credit card really can add up quickly.
Fortunately, that’s not the case for all credit cards. With a little research — and a lot of responsible credit card behavior — you can enjoy the perks and rewards of a credit card without paying an arm and a leg in fees, annual or otherwise.
Advertiser Disclosure
CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
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