No Annual Fee Credit Cards

Upgrade Card

Credit Recommended:
Excellent, Good, Fair, Average
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended:
Excellent, Good, Fair, Average
Credit Line
$500 - $50,000
Regular APR
Annual Fee
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended
Excellent, Good, Fair, Average


  • Choose the Upgrade Card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000.
  • No Fees – No annual fees and no fees to use your card.
  • Quick and easy application – find out if you qualify in minutes.
  • Checking your line won’t hurt your credit score.
  • Free access to credit monitoring, alerts and features to help you understand your credit.
  • Use wherever Visa is accepted. (cannot be used at an ATM)
Advertiser Disclosure

No Annual Fee Credit Cards

With so many credit cards out there, it can be hard to decide which one is right for you. The best credit cards with no annual fee can help you earn rewards faster and manage your finances effectively, often at a lower cost to you.

Understanding Credit Cards With No Annual Fee

There are a few different fees some people may have to pay when they have a credit card. Credit card companies make most of their money charging interest, but some also charge an annual fee. This expense is a little like buying a ticket to keep using the card every year. What if you could get one for free? Since these costs can range from $25 to hundreds of dollars, avoiding the fee may mean more money in the bank for you. Many cards do not have that annual expense, so you might be better off looking at these first.

Benefits of Credit Cards Without Annual Fees

All kinds of credit cards offer rewards like cash back or points you can use toward travel or other purchases. You can often get access to these benefits whether or not the card has an annual fee. The main difference is that you do not have to try to balance those rewards with the money you have to pay just so you can use the card. When you know you will not get charged this fee every year (or every month, in some cases), you do not have to worry about remembering to pay it off before getting charged with a late fee or having it detract from the value of the rewards you might earn.

How to Compare the Best Credit Cards for Fair Credit With No Annual Fee

Credit cards are not created equal, so you still need to compare the other features before making a choice. Look at these aspects:

  • Annual interest rate, and whether it is fixed or variable
  • Balance transfer fees and rates
  • How much you earn in rewards, plus ways to redeem them
  • Late fees
  • Grace period before the company starts charging interest

By analyzing these terms, you can select the card that suits your financial goals.Credit cards can be a useful tool to build credit and get rewarded for spending money. Choosing one with no annual fee could allow you to enjoy those benefits faster.

*See online credit card application for details on the terms and conditions.

As featured on:
Huffpost Inc Nasdaq

Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category. may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.