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Orchard Bank® Classic MasterCards
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  • Competitive APR's
  • Less than perfect credit
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    Capital One® Platinum Credit Card
  • Annual fee waived 1st year
  • Platinum Benefits
  • For people with limited credit
         See Card Terms

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    Capital One® Classic Platinum Credit Card
  • Enjoy Platinum benefits
  • Travel accident insurance
  • For people with limited credit
         See Card Terms

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    No Annual Fee Credit Cards
    No Annual Fee Credit Cards







      Below is a list of offers for No Annual Fee Credit Cards. Credit cards with no annual fee often come with a low APR as well. You can browse, compare, and apply online for one of these no annual fee credit card offers. Secure Online Applications.

    Also See:
    Credit Cards for Excellent Credit
    Credit Cards for Good Credit



    Capital One® VentureOne(SM) Rewards Credit Card


    • 1.25 miles per dollar on every purchase, every day
    • Earn 10,000 bonus miles, equal to $100 in travel
    • Redeem miles for airline tickets, hotel rooms, car rentals and more
    • No limit on the miles you can earn and miles won't expire
    • Fly free on any airline, any time with no blackout dates
    • 0% intro APR on purchases until February 2013
    • No foreign transaction fees
    • No annual fee
    • CLICK HERE TO APPLY ONLINE

      *See Terms & Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0% on purchases*
    until February 2013*
    11.9-19.9% (V)*
    None*
    Yes*
    Excellent - Good Credit*


    Capital One® Platinum Prestige Credit Card


    • 0% intro APR until May 2013 on balance transfers
    • 0% intro APR until May 2013 on purchases
    • No annual fee
    • $0 Fraud Liability if your card is lost or stolen
    • 24-hour travel assistance gives you a replacement card and cash advance
    • 24-hour roadside assistance
    • Pick an image for your card--choose the one shown here, any of the hundreds in our collection or add your own
    • CLICK HERE TO APPLY ONLINE

      *See Terms & Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    until May 2013*
    10.9-18.9% (V)*
    None*
    Yes*
    Excellent - Good Credit*


    Chase Freedom® Visa $200 Bonus Cash Back


    • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
    • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
    • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases
    • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
    • No annual fee and rewards never expire
    • CLICK HERE TO APPLY ONLINE

      *See Terms & Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    N/A*
    N/A*
    15.99%-22.99% Variable*
    None*
    Yes*
    Excellent Credit*


    Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR


    • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
    • 0% Intro APR for 12 months on balance transfers and 6 months on purchases
    • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 -3/31/12.
    • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases
    • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
    • No annual fee and rewards never expire
    • CLICK HERE TO APPLY ONLINE

      *See Terms & Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    12 months on balance transfers*
    11.99%-22.99% Variable*
    None*
    Yes*
    Excellent Credit*


    Slate® from Chase - No Balance Transfer Fee


    • No Balance Transfer Fee!*
    • 0% Intro APR for 15 months on purchases and balance transfers
    • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
    • After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
    • Avoid interest on everyday purchases
    • Pay down your balance faster
    • Zero liability on unauthorized purchases*
    • No Annual Fee*
    • CLICK HERE TO APPLY ONLINE

      *See Terms & Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    15 Months*
    11.99%-21.99% Variable*
    None*
    Yes*
    Excellent Credit*


    Chase Sapphire(SM) Card


    • Limited Time Offer! - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
    • 2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
    • Points never expire and there are no limits on how many points you can earn
    • Redeem points for travel, gift cards, merchandise, cash back and more
    • 24/7 direct access to expert service advisors (No voice recording)
    • No annual fee!
    • CLICK HERE TO APPLY ONLINE

      *See Terms & Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    N/A*
    N/A*
    13.24% Variable*
    None*
    No*
    Excellent Credit*


    Citi® Platinum Select® MasterCard®


    • 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
    • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
    • No annual fee
    • Secure, free online account management
    • CLICK HERE TO APPLY ONLINE

      *See Card Terms and Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    18 months on balance transfers and 18 months on purchases*
    11.99%-21.99% (Variable)*
    None*
    Yes*
    Excellent Credit*


    Citi® Platinum Select® Visa®


    • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
    • $0 Liability on unauthorized purchases
    • Citi® Identity Theft Solutions
    • Secure, free online account management
    • CLICK HERE TO APPLY ONLINE

      *See Card Terms and Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    18 months on balance transfers and 18 months on purchases*
    11.99%-21.99% (Variable)*
    None*
    Yes*
    Excellent Credit*


    Citi® Diamond Preferred® Card


    • 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
    • Citi® Identity Theft Solutions
    • $0 liability on unauthorized purchases
    • Secure, free online account management
    • CLICK HERE TO APPLY ONLINE

      *See Card Terms and Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    18 months on balance transfers and 18 months on purchases*
    11.99%-21.99% (Variable)*
    None*
    Yes*
    Excellent Credit*


    Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back


    • $100 cash back after $500 in purchases within the first 3 months of account opening
    • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
    • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
    • Full 1% cash back on all other purchases and eligible cash advances
    • CLICK HERE TO APPLY ONLINE

      *See Card Terms and Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    12 months on balance transfers and purchases*
    12.99-22.99% (Variable)*
    None*
    Yes*
    Excellent Credit*


    Citi® Simplicity Card


    • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
    • Peace of mind through direct access to a service representative, no late fees and no penalty rate
    • No annual fee*
    • CLICK HERE TO APPLY ONLINE

      *See Card Terms and Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    18 months on balance transfers and purchases*
    12.99 - 21.99% (Variable)*
    None*
    Yes*
    Excellent Credit*


    Citi Forward® Card


    • Credit Needed: Excellent
    • $100 in gift cards - When you redeem the 10,000 bonus ThankYou Points recieved after you make $650 in purchases and sign up for paperless statements within the first 3 months
    • 0% intro APR for 12 months on balance transfers and 7 months on purchases. After that, 12.99%-22.99% variable
    • 5 points for every $1 spend at resturants and on books, movies, and music.
    • No Annual Fee
    • CLICK HERE TO APPLY ONLINE

      *See Card Terms and Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    12 months on balance transfers and 7 months on purchases*
    12.99%-22.99% (Variable)*
    None*
    Yes*
    Excellent Credit*


    Citi ThankYou(SM) Preferred Card


    • $100 gift card - When you redeem the 10,000 bonus ThankYou Points recieved after $500 in purchases within 3 months of account opening
    • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that the APR will be 12.99%-22.99% based on creditworthiness*
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
    • No annual Fee*
    • CLICK HERE TO APPLY ONLINE

      *See Card Terms and Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    12 months on balance transfers and purchases*
    12.99-22.99% (Variable)*
    None*
    Yes*
    Excellent Credit*


    Citi® Hilton HHonors™ Visa Signature® Card


    • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
    • Earn 6 HHonors Bonus Points for each $1 spent at participating hotels within the Hilton Worldwide portfolio.*
    • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
    • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
    • CLICK HERE TO APPLY ONLINE

      *See Card Terms and Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    N/A*
    N/A*
    14.24 (Variable)*
    None*
    N/A*
    Excellent Credit*


    Discover® More Card


    • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
    • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
    • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
    • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
    • 24/7 access to a U.S. based Account Manager within 60 seconds
    • $0 Fraud Liability plus mobile and email fraud alerts
    • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
    • CLICK HERE TO APPLY ONLINE

      *Click apply to view rates, fees, rewards, limitations and other important information
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    15 months on Purchases &
    15 months on Balance Transfers*
    10.99%-20.99% Variable*
    None*
    Yes*
    Excellent Credit*


    Discover® Motiva Card


    • Earn Cashback Bonus for your good credit management
    • 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
    • Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
    • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
    • 24/7 access to a U.S. based Account Manager within 60 seconds
    • $0 Fraud Liability plus mobile and email fraud alert options
    • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
    • CLICK HERE TO APPLY ONLINE

      *Click apply to view rates, fees, rewards, limitations and other important information
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    a full 15 months on Purchases &
    a full 15 months on Balance Transfers
    10.99% - 20.99% Variable*
    None*
    Yes*
    Excellent Credit*


    Miles by Discover® Card


    • Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
    • 1 Mile on every $1 you spend
    • 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
    • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
    • Flexible redemption options like travel credits, merchandise, gift cards or cash
    • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
    • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
    • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
    • CLICK HERE TO APPLY ONLINE

      *Click apply to view rates, fees, rewards, limitations and other important information
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    6 months on Purchases &
    6 months on Balance Transfers*
    10.99%-16.99% Variable*
    None*
    Yes*
    Excellent Credit*


    Discover® Student Card


    • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
    • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
    • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
    • Up to 1% unlimited Cashback Bonus on everything else you buy
    • $0 Fraud Liability plus mobile and email fraud alert options
    • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
    • CLICK HERE TO APPLY ONLINE

      *Click apply to view rates, fees, rewards, limitations and other important information
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0% on Purchases*
    9 Months*
    13.99%-20.99%(V)*
    None*
    N/A*
    Limited/Good Credit*


    Discover® Student Open Road Card


    • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
    • Double Cashback Bonus® at gas stations and restaurants.*
    • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
    • Up to 1% unlimited Cashback Bonus on everything else you buy
    • $0 Fraud Liability plus mobile and email fraud alert options
    • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
    • CLICK HERE TO APPLY ONLINE

      *Click apply to view rates, fees, rewards, limitations and other important information
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    9 Months*
    13.99%-20.99%(V)*
    None*
    N/A*
    Limited/Good Credit*


    Simmons First VisaŽ Platinum


    • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
    • Low 7.25% variable standard purchase APR and platinum benefits
    • No balance transfer fee for balances transferred in response to this online offer
    • No Annual Fee
    • CLICK HERE TO APPLY ONLINE

      *See Terms & Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    N/A*
    N/A*
    7.25% Variable*
    None*
    Yes*
    Excellent Credit*


    Simmons First VisaŽ Platinum Rewards


    • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
    • Low 9.25% variable standard purchase APR and platinum benefits
    • No balance transfer fee for balances transferred in response to this online offer
    • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
    • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
    • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
    • No annual fee
    • CLICK HERE TO APPLY ONLINE

      *See Terms & Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    N/A*
    N/A*
    9.25% Variable*
    None*
    Yes*
    Excellent Credit*


    Blue Cash Everyday(SM) Card from American Express®


    • Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
    • No annual fee, flexibility to pay over time
    • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
    • NO spend minimum, NO enrollment, and NO rotating rewards categories
    • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
    • CLICK HERE TO APPLY ONLINE

      *See Terms & Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    0% on Purchases
    for 12 months*
    17.24%-22.24% Variable*
    None*
    Yes*
    Excellent Credit*


    Blue Sky from American Express(SM)


    • No annual fee
    • Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime
    • Pay your bill all at once, or over time. It's up to you.
    • Blue Savings Program: big deals on big brands, all the time
    • Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
    • Get approved in 60-seconds
    • CLICK HERE TO APPLY ONLINE

      *See Terms & Conditions
    Intro APR
    Intro Period
    Regular APR
    Annual Fee
    Balance Transfer
    Credit Needed
    0%*
    0% on Purchases
    for 12 months*
    17.24%-22.24% Variable*
    None*
    Yes*
    Excellent Credit*


    FICO Credit Scores
    Excellent Credit 750-850
    Good Credit 660-749
    Fair Credit 620-659
    Bad/Poor Credit 350-619
    No Credit 0-0
    Do You Know Your Credit Score? Find Out Now!

    Get Your Triple Credit Score
    What is a Credit Score?

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases,
    your credit score will determine whether you will be approved for a credit card.
    Credit Score Facts

    1. Credit Scores range from 300-850, the higher the better
    2. Most lenders base approval on your credit score.
    3. Higher Scores mean lower payments and better deals.
    4. Higher Scores mean Lower interest rates.
    5. Scores are determined by 5 main categories:
    • Payment History
    • Amounts Owed
    • Length of Credit History
    • Type of Credit Used
    • New Credit

     





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    See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Online " button you can review the credit card terms and conditions on the credit card issuer's web site.
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