No Annual Fee Credit Cards

No annual fee credit cards are generally only good value for a very small section of credit card users. If you rarely use your credit cards at all, then no annual fee credit cards can save you money. However, as no annual fee credit cards are the most likely type of credit card to forego interest free days on purchases, they can often accrue more in interest than you might pay on a low annual fee credit card with interest free days on purchases.

Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
10.99% 10.99%
0%
for 6 Months
44 5 $99.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
11.8% 11.8%
N/A 55 3 $40.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
12.74% 12.74%
for 12 Months
0%
for 14 Months
55 3 $99.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
12.74% 12.74%
for 12 Months
0%
for 14 Months
55 3 $99.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
12.74% 12.74%
for 12 Months
0%
for 14 Months
55 3 $99.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
13.49% 13.49%
0%
for 14 Months
55 4 $45.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
13.49% 13.49%
0%
for 16 Months
55 3 $58.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
13.49% 13.49%
5.99%
for 5 Months
55 4 $78.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
13.49% 13.49%
0%
for 16 Months
55 4 $99.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
13.49% 13.49%
5.99%
for 5 Months
55 4 $120.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
13.99% 13.99%
for 12 Months
4.99%
for 6 Months
55 4 $59.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
16.8% 16.8%
N/A 55 3 $40.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
17.99% 17.99%
0%
for 6 Months
55 3 $0.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
18.79% 18.79%
N/A 44 3 $89.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
18.79% 18.79%
N/A 55 3 $149.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
18.99% 18.99%
0%
for 6 Months
44 3 $0.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
19.49% 19.49%
0%
for 9 Months
55 3 $79.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
19.49% 19.49%
0%
for 9 Months
55 3 $79.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
19.49% 19.49%
0%
for 9 Months
55 3 $79.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
19.49% 19.49%
0.99%
for 6 Months
45 2 $250.00
Type Interest Rate Best Rate Balance Transfer Interest Free Days Star Rating Annual Fee
19.59% 19.59%
3.99%
for 6 Months
55 3 $0.00

The credit card issuer needs to guarantee some level of return on its investment, thus you will often find that no annual fee credit cards have a high rate on both purchases and cash advances while offering no interest free days. In this manner, as long as you use your credit card a couple of times in a year and are not vigilant about paying it off immediately you will end up paying close to or more than the annual fee of a low annual fee credit card.

If you only use your credit card a few times a year and repay it immediately, then you may find it useful to peruse our selection of no annual fee credit cards.

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