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No Annual Fee Credit Cards

With these cards, you can still get a low rate and generous cash back and rewards, even though there’s no annual fee. Consider these cards from our partners and see how they stack up. Note that some of the cards have no annual fee in the first year, but charge a fee in the following years.

Mastercard® Gold Card™

Apply Quickly online by filling out a secure online application.
Annual Fees $995
Credit Needed Excellent Credit

Apply Now

Highlights

  • 24K-Gold Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 for each Authorized User)

Mastercard® Black Card™

Apply Quickly online by filling out a secure online application.
Annual Fees $495
Credit Needed Excellent Credit

Apply Now

Highlights

  • Stainless Steel – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)

Mastercard® Titanium Card™

Apply Quickly online by filling out a secure online application.
Annual Fees $195
Credit Needed Excellent Credit

Apply Now

Highlights

  • Brushed Stainless Steel – Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User

Charity Charge World Mastercard® Credit Card

Apply Quickly online by filling out a secure online application.
Annual Fees $0
Credit Needed Good/Excellent

Apply Now

Highlights

  • Donate your cash back to any nonprofit or religious organization of your choice.
  • Earn an unlimited 1% cash back that’s automatically donated on your behalf through your everyday purchases.
  • No Annual Fee.
  • An easy way to make a difference (at no cost to you).
  • 100% Tax-Deductible.
  • 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 Credit Card Applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the ” Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site.

Disclosure
*Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are those of the author alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. The credit card offers that appear on this site are from credit card issuers from which Advanced Personal Finance Credit Cards receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. Advanced Personal Finance Credit Cards does not include all credit card offers that might be available to consumers in the marketplace.

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