Mastercard Credit Cards with No Annual Fee
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If you’re interested in reducing the fixed costs of credit card use, you’d be well-served to peruse these no annual fee Mastercards (some of which are from WalletHub partners). Merchants in more than 210 countries and … show more
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Showing 1 – 10 of 20
Purchase Intro APR
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0% for 18 billing cycles
Transfer Intro APR
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0% for 18 billing cycles for any balance transfers made in the first 60 days
Regular APR
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14.49% - 24.49% Variable
Additional Info
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- 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 More Details & Reviews About TheBankAmericard® credit card
Purchase Intro APR
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0% for 15 billing cycles
Transfer Intro APR
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0% for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
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15.49% - 25.49% Variable
Rewards Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Additional Info
- No annual fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 21 monthsTransfer Fee: 5% (min $5)
Regular APR
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16.24% - 26.24% (V)
Additional Info
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
- See More Details & Reviews About TheCiti Simplicity® Card - No Late Fees Ever
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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15.74% - 25.74% (V)
Rewards Details
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores 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
Additional Info
- 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One® SavorOne® Cash Rewards Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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26.99% (V)
Additional Info
- Pay no annual fee
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help strengthen your credit for the future with responsible card use
- See More Details & Reviews About TheCapital One® Platinum Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.49% - 25.49% (V)
Rewards Details
- Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
Additional Info
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
- Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
- Balance Transfers do not earn cash back.
- The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
Secured Card
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Min Deposit of $49, $99 or $200
One-Time Fees
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None
Regular APR
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26.99% (V)
Additional Info
- 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
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- 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 More Details & Reviews About TheCapital One® Secured Mastercard®
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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20.24% (V)
Rewards Details
- Complimentary Amazon Student Prime (Lifetime Value worth $59)
- 1% cash back on all purchases
Additional Info
- An award winning college credit card for all students - both from the US and visiting from abroad. (For international students, an SSN is not required to apply)
- Cellphone Protection
- Extended Warranty
- $0 Annual Fee
- 20.24% variable APR
- See More Details & Reviews About TheDeserve® Edu Mastercard for Students
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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23.99% (V)
Additional Info
- The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
- Use your card anywhere Mastercard® is accepted — worldwide.
- A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
- Get help staying on track with Auto Pay and account alerts.
- With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
- Manage your account 24/7 online, by phone, or in our mobile app.
- The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi's discretion
- See More Details & Reviews About TheCiti® Secured Mastercard®
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.40% - 24.40% (V)
Rewards Details
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- Select Your Rewards Your Way
Additional Info
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
- No Annual Fee or Foreign Transaction Fee
- No Foreign Transaction Fee
- See More Details & Reviews About TheAmalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
NO FOREIGN FEE
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Questions & Answers
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Featured Credit Cards
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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