No Annual Fee Credit Cards
If you apply for credit cards for occasional use, then credit cards with no annual fee can be excellent choices since it won’t cost you a penny to keep the account open. Moreover, some none-annual-fee cards come with low-interest rate and generous rewards. One thing needs attention is that some cards charge no annual fee for the first year, but start to charge in the following years. Check out thees best fee-free cards and choose one that suits your needs the best.
Discover it® for Students
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
- Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
- See additional Discover it® for Students details
Purchases Intro APR
0% for 6 months
Balance Transfers Intro APR
10.99% for 6 months
Regular APR
13.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
No Credit
BankAmericard® Credit Card
- $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
- See additional BankAmericard® Credit Card details
Purchases Intro APR
See Terms for 15 billing cycles
Balance Transfers Intro APR
See Terms for 15 billing cycles
Regular APR
See Terms
Annual Fee
$0
Credit Needed
Good, Excellent
Citi Simplicity® Card
- The only card with No Late Fees, No Penalty Rate, and No Annual Fee... ever.
- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The same great rate for all balances, after the introductory period.
- Save time when you call with fast, personal help, 24 hours a day - just say "representative"
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
- See additional Citi Simplicity® Card details
Purchases Intro APR
0%* for 21 months*
Balance Transfers Intro APR
0%* for 21 months*
Regular APR
14.49% - 24.49% (Variable)
Annual Fee
$0*
Credit Needed
Good, Excellent
Citi® Double Cash Card
- Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
- No categories to track, no caps on cash back, no annual fee*
- See additional Citi® Double Cash Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 18 months*
Regular APR
14.49% - 24.49%* (Variable)
Annual Fee
$0*
Credit Needed
Good, Excellent
Barclaycard Ring™ Mastercard®
- 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
- No balance transfer fees
- No foreign transaction fees
- Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
- Free online access to FICO® Credit Score
- See additional Barclaycard Ring™ Mastercard® details
Purchases Intro APR
0% for 15 months
Balance Transfers Intro APR
0% for 15 months (on balance transfers made within 45 days of account opening)
Regular APR
13.74% Variable
Annual Fee
$0
Credit Needed
Excellent
Citi® Diamond Preferred® Card
- Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
- 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
- No annual fee*
- Free access to FICO® Scores*
- See additional Citi® Diamond Preferred® Card details
Purchases Intro APR
0%* for 21 months*
Balance Transfers Intro APR
0%* for 21 months*
Regular APR
13.49% - 23.49%* (Variable)
Annual Fee
$0*
Credit Needed
Good, Excellent
Blue Cash Everyday® Card from American Express
- $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- No annual fee.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
- See additional Blue Cash Everyday® Card from American Express details
Purchases Intro APR
0% on Purchases for 12 months
Balance Transfers Intro APR
0% on Balance Transfers for 12 months
Regular APR
13.99%-24.99% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
Chase Freedom Unlimited℠
- Unlimited 1.5% cash back on every purchase — it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Redeem for cash — any amount, anytime
- Cash Back rewards do not expire as long as your account is open
- No annual fee
- See additional Chase Freedom Unlimited℠ details
Purchases Intro APR
0% for 15 months
Balance Transfers Intro APR
0% for 15 months
Regular APR
15.74% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
Citi ThankYou® Preferred Card
- Earn 15,000 bonus points after spending $1,000 in purchases within the first 3 months of account opening*
- 15,000 ThankYou® Points are redeemable for $150 in gift cards, electronics and other great rewards
- 0% intro APR on Purchases and Balance Transfers for 12 months. After that, the variable APR will be 14.49%-24.49% based upon your creditworthiness*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
- Earn 2X Points on Dining Out & Entertainment
- Earn 1X Points on All Other Purchases
- No expiration and no limit on the amount of points you can earn with this card
- No annual fee*
- See additional Citi ThankYou® Preferred Card details
Purchases Intro APR
0%* for 12 months*
Balance Transfers Intro APR
0%* for 12 months*
Regular APR
14.49% - 24.49%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent
BankAmericard Cash Rewards™ Credit Card
- No annual fee
- New Offer: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
- No changing categories and no expiration on rewards
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
- See additional BankAmericard Cash Rewards™ Credit Card details
Purchases Intro APR
See Terms for 12 billing cycles
Balance Transfers Intro APR
See Terms for 12 billing cycles
Regular APR
See Terms
Annual Fee
$0
Credit Needed
Good, Excellent
Wells Fargo Platinum Visa® Card
- 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
- Free access to your FICO® Credit Score with Wells Fargo Online®
- Zero Liability protection for promptly reported unauthorized transactions
- Convenient tools to help create a budget and manage your spending with My Money Map
- $0 Annual Fee
- Select "Apply Now" to learn more about the product features, terms, and conditions
- See additional Wells Fargo Platinum Visa® Card details
Purchases Intro APR
0% for 18 months
Balance Transfers Intro APR
0% for 18 months
Regular APR
16.15%-25.99% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
Wells Fargo Propel American Express® Card
- New! Earn 20,000 bonus points after spending $1,000 in the first 3 months
- Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
- Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far™ Rewards
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
- Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
- 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
- $0 Annual Fee
- Select "Apply Now" to learn more about the product features, terms, and conditions
- See additional Wells Fargo Propel American Express® Card details
Purchases Intro APR
0% for 12 months
Balance Transfers Intro APR
0% for 12 months
Regular APR
13.99%-25.99% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
U.S. Bank Cash+™ Visa Signature® Card
- Choose Your Cash Back: 5% on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose, 2% on one everyday category (like gas or groceries), 1% on all other eligible net purchases
- New Cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
- 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 14.99% - 23.99%
- Unlimited cash back
- No annual fee
- Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
- See additional U.S. Bank Cash+™ Visa Signature® Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
0%* for 12 billing cycles*
Regular APR
14.99% - 23.99%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent
Discover it® Cashback Match™
- You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
- Plus, 1% cash back on all other purchases.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. based customer service.
- Get your FICO® Credit Score for free on monthly statements, on mobile and online.
- No annual fee.
- See additional Discover it® Cashback Match™ details
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
11.74% - 23.74% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
NHL® Discover it® Card
- Choose your favorite team & show your pride –all 30 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
- You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
- Plus, 1% cash back on all other purchases.
- Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
- No annual fee.
- See additional NHL® Discover it® Card details
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
11.74% - 23.74% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
U.S. Bank Visa® Platinum Card
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.99% - 22.99%
- Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
- No Annual Fee
- Flexibility to choose a payment due date that fits your schedule
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card.
- Certain terms, conditions, and exclusions apply.
- See additional U.S. Bank Visa® Platinum Card details
Purchases Intro APR
0%* for 15 billing cycles*
Balance Transfers Intro APR
0%* for 15 billing cycles*
Regular APR
10.99% - 22.99%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent
Wells Fargo Cash Wise Visa® Card
- New! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
- Earn unlimited 1.5% cash rewards on virtually every purchase
- Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
- No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
- 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
- $0 Annual Fee
- Select "Apply Now" to learn more about the product features, terms, and conditions
- See additional Wells Fargo Cash Wise Visa® Card details
Purchases Intro APR
0% for 12 months
Balance Transfers Intro APR
0% for 12 months
Regular APR
13.99%-25.99% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
The Amex EveryDay® Credit Card from American Express
- Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
- You can use Membership Rewards® points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
- No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.99% to 23.99%, based on your creditworthiness and other factors.
- Terms Apply.
- See additional The Amex EveryDay® Credit Card from American Express details
Purchases Intro APR
0% on Purchases for 12 months
Balance Transfers Intro APR
0% on Balance Transfers for 12 months
Regular APR
13.99%-23.99% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
Barclaycard CashForward™ World Mastercard®
- Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
- Earn unlimited 1.5% cash rewards on every purchase
- Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
- Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
- Cash rewards do not expire as long as your account is open, active and in good standing
- Enjoy a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 15.74%, 20.74% or 25.74%, based on your creditworthiness
- Please note, there is a fee for balance transfers
- No annual fee
- See additional Barclaycard CashForward™ World Mastercard® details
Purchases Intro APR
0% for 15 months
Balance Transfers Intro APR
0% for 15 months (on balance transfers made within 45 days of account opening)
Regular APR
15.74%, 20.74% or 25.74% Variable
Annual Fee
$0
Credit Needed
Excellent
JetBlue Card
- Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
- Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
- No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
- Points awarded in your TrueBlue account don't expire.
- Earn and share points together with Family Pooling.
- 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
- No foreign transaction fees
- Chip technology & $0 Fraud Liability protection
- See additional JetBlue Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months (on balance transfers made within 45 days of account opening)
Regular APR
12.74%, 20.74% or 25.74% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
MLB™ BankAmericard Cash Rewards™ Mastercard®
- New Offer: $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- All 30 team cards are available, customized with your favorite team's colors and logo
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
- No annual fee
- No changing categories and no expiration on rewards
- Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
- See additional MLB™ BankAmericard Cash Rewards™ Mastercard® details
Purchases Intro APR
See Terms for 12 billing cycles
Balance Transfers Intro APR
See Terms for 12 billing cycles
Regular APR
See Terms
Annual Fee
$0
Credit Needed
Good, Excellent
BankAmericard Travel Rewards® Credit Card
- 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
- 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
- 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Comes with chip technology for enhanced security and protection at chip-enabled terminals
- Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
- See additional BankAmericard Travel Rewards® Credit Card details
Purchases Intro APR
See Terms for 12 billing cycles
Balance Transfers Intro APR
N/A
Regular APR
See Terms
Annual Fee
$0
Credit Needed
Good, Excellent
Chase Freedom®
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
- Unlimited 1% cash back on all other purchases - it's automatic
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Cash Back rewards do not expire as long as your account is open
- No annual fee
- See additional Chase Freedom® details
Purchases Intro APR
0% for 15 months
Balance Transfers Intro APR
0% for 15 months
Regular APR
15.74% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
Susan G. Komen® Credit Card
- New Offer: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
- Susan G. Komen ® has received more than $7 million from Bank of America from this program since 2009.
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
- No annual fee
- No changing categories and no expiration on rewards
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- See additional Susan G. Komen® Credit Card details
Purchases Intro APR
See Terms for 12 billing cycles
Balance Transfers Intro APR
See Terms for 12 billing cycles
Regular APR
See Terms
Annual Fee
$0
Credit Needed
Good, Excellent
Discover it® Miles
- We'll match all the Miles you've earned at the end of your first year. Bonus Miles - For example, if you earn 30,000 Miles, you get 60,000 Miles.
- Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
- No Blackout Dates - fly any airline, stay at any hotel.
- Redeem your rewards in any amount for cash or a travel credit.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get your FICO® Credit Score for free on monthly statements, on mobile and online.
- No Annual Fee.
- See additional Discover it® Miles details
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
10.99% for 14 months
Regular APR
11.74% - 23.74% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
Capital One® Quicksilver® Cash Rewards Credit Card
- One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
- 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 for 9 months; 13.99%-23.99% variable APR after that
- Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
- Pay no annual fee or foreign transaction fees
- See additional Capital One® Quicksilver® Cash Rewards Credit Card details
Purchases Intro APR
0% intro on purchases for 9 months
Balance Transfers Intro APR
0% intro on balance transfers for 9 months
Regular APR
13.99% - 23.99% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
USAA Rate Advantage Platinum Visa®
- Enjoy the lowest APR of any major bank in the U.S.
- Same low rate for purchases, balance transfers and cash advances.
- No foreign transaction fee.
- See additional USAA Rate Advantage Platinum Visa® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
7.90%-24.90% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
USAA Rewards™ Visa Signature®
- Earn one point for every dollar spent on your everyday purchases.
- Get 2,500 bonus points with your first purchase.
- Redeem points for cash, merchandise, gift cards and more.
- See additional USAA Rewards™ Visa Signature® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
10.90%-26.90% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
USAA Rewards™ American Express® Card
- Earn one point for every dollar spent on your everyday purchases.
- Earn 2X points per dollar on gas and groceries with no caps.
- Get 2,500 bonus points with your first purchase.
- Redeem points for cash, merchandise, gift cards and more.
- See additional USAA Rewards™ American Express® Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
10.90%-26.90% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
ABOC Platinum Rewards Credit Card
- 0% Intro APR on Purchases for 12 months; after that the variable APR will be 13.65% - 23.65%, based on your creditworthiness
- Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
- Unlimited Points That Don't Expire
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
- See additional ABOC Platinum Rewards Credit Card details
Purchases Intro APR
0% for 12 months
Balance Transfers Intro APR
N/A
Regular APR
13.65% - 23.65% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Good, Excellent
Charity Charge World MasterCard® Credit Card
- Unlimited 1% cash back rewards in the form of an automatic donation to any nonprofit, K-12 school, university, or religious organization of your choice.
- No Annual Fee.
- Rewards are tax-deductible.
- One time bonus donation of $10 to your chosen nonprofit after your first purchase.
- Ability to support up to three nonprofits at once. You can change the nonprofits you support at any time through your online donation dashboard.
- Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
- Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
- Chip and Apple Pay enabled.
- See additional Charity Charge World MasterCard® Credit Card details
Purchases Intro APR
1.99% for 6 monthly billing cycles
Balance Transfers Intro APR
1.99% for 6 monthly billing cycles
Regular APR
10.74%-20.74% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
USAA Limitless™ Cashback Rewards Visa Signature® Credit Card
- Earn 2.5% cash back on credit card purchases when you have a free* USAA Bank checking account with a qualifying direct deposit of at least $1,000 every month.*
- Enjoy unlimited cash back on the amount you can earn.
- Earn 1.5% cash back on credit card purchases without a direct deposit.
- Pay no foreign transaction fee when you travel outside of the United States.
- See additional USAA Limitless™ Cashback Rewards Visa Signature® Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
14.90%-20.90% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
Discover it® chrome
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. Plus, 1% cash back on all your other purchases.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. based customer service.
- Get your FICO® Credit Score for free on monthly statements, on mobile and online.
- No annual fee.
- See additional Discover it® chrome details
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
11.74% - 23.74% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
USAA Cashback Rewards Plus American Express® Card
- Earn 5% cash back on your first $3,000 in gas and military purchases annually on these categories combined.
- Earn 2% cash back on your first $3,000 on supermarket purchases per year.
- Unlimited 1% cash back on all other purchases.
- See additional USAA Cashback Rewards Plus American Express® Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
12.90%-26.90% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
GM BuyPower Card from Capital One®
- 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
- No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
- 0% intro APR on purchases for 12 months, then a 13.90% – 23.90% variable APR on purchases will apply
- See additional GM BuyPower Card from Capital One® details
Purchases Intro APR
0% intro on purchases for 12 months
Balance Transfers Intro APR
N/A
Regular APR
13.90% - 23.90% (V)
Annual Fee
$0
Credit Needed
Good, Excellent
Capital One® Premier Dining Rewards Credit Card
- One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
- 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
- No annual fee
- No foreign transaction fees
- See additional Capital One® Premier Dining Rewards Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
15.49% - 24.49% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
PenFed Power Cash Rewards Visa Signature® Card
- 0% APR promo balance transfer rate for 12 mos with 3% balance transfer fee. After that, the APR for the unpaid balance and any new balance transfers will be 9.24% to 17.99%.
- APR will vary w/the market based on Prime Rate. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
- Rate and offers current as of April 1, 2017 and are subject to change.
- 1.5% Unlimited Cash Back On All Purchases w/no caps, limits or category restrictions of rewards. Flexible cash redemption options. Earn up to 2% Cash Back through the PenFed Honors Advantage program
- No Annual or Foreign Transaction Fees
- Chip Enabled for Added Security and Federally Insured by the NCUA
- Rates As Low As 9.24% APR
- See additional PenFed Power Cash Rewards Visa Signature® Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months
Regular APR
9.24%-17.99%
Annual Fee
$0
Credit Needed
Excellent
USAA Preferred Cash Rewards Visa Signature®
- Earn 1.5% cash back on every purchase
- There's no limit on the amount you can earn
- Redeem your rewards anytime online or with the USAA Mobile App.
- See additional USAA Preferred Cash Rewards Visa Signature® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
12.90%-26.90% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
PenFed Premium Travel Rewards American Express® Card
- 0% APR promo balance xfer rate for 12 mos w/3% balance xfer fee. After that, APR for unpaid balance + new balance xfers will be 9.24%-17.99%. APR will vary w/market based on Prime Rate.
- 3% balance transfer fee per transaction. Subject to credit approval.
- Rate and offers current as of April 1, 2017 and subject to change.
- Earn 5 points on airfare purchases, Earn 1 point on all other purchases
- 20,000 bonus points when you spend $2,500 within the first 3 months of opening the card account
- No annual fee and no foreign transaction fees
- Rates as low as 9.24% APR
- Chip Enabled for Added Security, Federally insured by NCUA
- See additional PenFed Premium Travel Rewards American Express® Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Excellent
Costco Anywhere Visa® Card by Citi
- Exclusively for Costco Members: Go Big with Cash Back Rewards
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- See additional Costco Anywhere Visa® Card by Citi details
Purchases Intro APR
0%* for 7 months on Purchases*
Balance Transfers Intro APR
N/A
Regular APR
16.24* (Variable)
Annual Fee
$0
Credit Needed
Excellent
PenFed Platinum Rewards Visa Signature® Card
- 0% APR promo balance xfer rate for 12 mos w/3% balance xfer fee. After that, APR for unpaid balance + new balance xfers will be 9.24%-17.99%. APR will vary w/market based on Prime Rate.
- 3% balance transfer fee per transaction. Subject to credit approval.
- $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
- Rate and offers current as of April 1, 2017 and subject to change.
- Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
- Earn 3 points on supermarket purchases, Earn 1 point on all other purchases
- No annual fee, Chip Enabled for Added Security
- Federally insured by NCUA
- See additional PenFed Platinum Rewards Visa Signature® Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Excellent
Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products!
4.8
Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products!
- Fingerhut offers all sorts of awesome products, like clothing, electronics, furniture and more.
- A WebBank/Fingerhut Credit Account could help you build your buying power by reporting your on-time payments to all three credit bureaus.
- There's no annual fee and no application fee. See the complete WebBank/Fingerhut Credit Account Terms and Conditions.
- See additional Apply Now for Fingerhut Credit and Save on Thousands of Brand Name Products! details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
See Issuer Website
Annual Fee
$0
Credit Needed
Bad, Average
PenFed Promise Visa® Card
- 4.99% APR promo balance xfer rate for 12 mos w/no balance xfer fee. After that, APR for unpaid balance + new balance xfers will be 8.99% to 17.99%. APR will vary w/market based on Prime Rate. Subject to credit approval.
- $100 bonus after spending $1,500 in purchase transactions within 3 mos of account opening.
- Rate and offers current as of April 1, 2017 and are subject to change.
- Absolutely No Fees, No Annual Fee, No Late Fee, No Cash Advance Fee
- Chip Enabled for Added Security
- Federally Insured by NCUA
- Rates As Low As 8.99% APR
- See additional PenFed Promise Visa® Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
4.99% for 12 months
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Excellent
PenFed Gold Visa® Card
- 0% APR promo balance xfer rate for 12 mos w/3% balance xfer fee. After that, APR for unpaid balance + new balance xfers will be 8.99%-17.99%. APR will vary w/market based on Prime Rate.
- 3% balance transfer fee per transaction. Subject to credit approval.
- $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
- Rate and offers current as of April 1, 2017 and subject to change.
- No annual fee, No foreign transaction fee
- No cash advance fees
- Chip enabled for added security
- Federally insured by NCUA
- See additional PenFed Gold Visa® Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months
Regular APR
See Terms
Annual Fee
See Terms
Credit Needed
Excellent
Navy Federal Credit Union GO REWARDS®
- 20,000 bonus points when you spend $3,000 within 90 days
- Earn 3x points at restaurants, 2x points on gas, and 1x points on everything else
- Earn 3% in rewards at warehouse clubs (like Costco®, BJ’s® and Sam’s Club®) through 2017- that’s double the rewards!
- No rewards limit
- No foreign fees
- No annual fee
- See additional Navy Federal Credit Union GO REWARDS® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
10.24%-18.00% variable
Annual Fee
$0
Credit Needed
Good
Capital One® Secured Mastercard®
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
- See additional Capital One® Secured Mastercard® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
24.99% (Variable)
Annual Fee
$0
Credit Needed
Bad
Chevrolet BuyPower Card from Capital One®
- 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
- No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
- 0% intro APR on purchases for 12 months, then a 13.90% – 23.90% variable APR on purchases will apply
- See additional Chevrolet BuyPower Card from Capital One® details
Purchases Intro APR
0% intro on purchases for 12 months
Balance Transfers Intro APR
N/A
Regular APR
13.90% - 23.90% (V)
Annual Fee
$0
Credit Needed
Good, Excellent
Discover it® chrome for Students
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
- Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
- See additional Discover it® chrome for Students details
Purchases Intro APR
0% for 6 months
Balance Transfers Intro APR
10.99% for 6 months
Regular APR
13.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
Average
Discover it® Secured Card
- No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
- A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
- Reports to the three major credit bureaus. Plus, get your FICO® Credit Score for free on monthly statements, on mobile and online.
- Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- Tools to assist you; email alerts, text reminders and 24/7 customer service.
- See additional Discover it® Secured Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
10.99% for 6 months
Regular APR
23.74% Variable
Annual Fee
$0
Credit Needed
No Credit, Bad, Average
Capital One® VentureOne® Rewards Credit Card
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
- Fly any airline, stay at any hotel, anytime
- Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
- Travel when you want with no blackout dates
- No foreign transaction fees
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- See additional Capital One® VentureOne® Rewards Credit Card details
Purchases Intro APR
0% intro on purchases for 12 months
Balance Transfers Intro APR
N/A
Regular APR
12.99% - 22.99% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
Chase Slate® Credit Card
- Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open.
- 0% intro APR for 15 months on purchases and balance transfers from account opening.
- Free monthly FICO score and credit Dashboard
- No penalty APR - Paying late won't raise your interest rate
- No annual fee.
- See additional Chase Slate® Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
15.74%–24.49%
Annual Fee
$0
Credit Needed
Good, Excellent
Wells Fargo Cash Back CollegeSM Card
- 0% APR on new purchases and balance transfers for 6 months
- 12.15% to 22.15% ongoing APR, based on your creditworthiness
- 3% cash rewards on gas, grocery, drugstore for first six months
- 1% cash rewards on virtually all other net purchases
- Extra cash rewards earning potential and deals at your favorite stores when you shop our Earn More Mall
- No annual fee
- See additional Wells Fargo Cash Back CollegeSM Card details
Purchases Intro APR
0% for 6 months
Balance Transfers Intro APR
0% for 6 months
Regular APR
12.15% - 22.15% Variable
Annual Fee
$0
Credit Needed
Average
BankAmericard Cash Rewards Credit Card for Students
- Start building your financial future—while earning more cash back for the things you buy most.
- 1% cash back on purchases everywhere, every time.
- 2% at grocery stores and wholesale clubs and 3% on gas, up to $2,500 in grocery/wholesale club/gas quarterly spend.
- No annual fee.
- No changing categories and no expiration on rewards.
- $150 online cash rewards bonus if you make at least $500 in purchases in the first 90 days.
- See additional BankAmericard Cash Rewards Credit Card for Students details
Purchases Intro APR
0% for 12 billing cycles
Balance Transfers Intro APR
3%
of each transaction (minimum $10)
Regular APR
13.99% - 23.99%
Annual Fee
$0
Credit Needed
Average