Credit Cards» No Annual Fee Credit Cards

No Annual Fee Credit Cards

  • What are no annual fee cards?
  • Who should get one?
  • What are some pros and cons?
  • Tips on no annual fee credit cards

What are no annual fee cards?

Are you in the market for an inexpensive card that lets you take advantage of credit card perks for free? No annual fee cards from our partners allow you to save money each year on credit card expenses while often earning rewards for everyday purchases.

Who should get one?

Cards with no annual fee are designed for and offered to those with good to excellent credit. You may not qualify if your credit isn't in tip-top shape.

Those who don't want to pay to have a rewards credit card and individuals who generally pay off their balance in full each month can benefit from a no annual fee card. Due to the 0% introductory APR that some of these cards feature, they may also be advantageous to those that want to make a big purchase and pay it off slowly over a set period of time. Taking advantage of the 0% APR intro period and spreading out payments can make a big purchase easier to swallow.

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What are some pros and cons?

Cards with no annual fee keep your costs low and allow you to keep more of the rewards you earn. Rewards differ according to the card, but some offer cash back, hotel stays and airline miles. The downside is that these cards often come with higher APRs, making them impractical for those who typically carry a balance. Some also have very limited perks.

Tips on no annual fee credit cards

It's important to compare credit card options thoroughly. Many of these cards offer perks for everyday spending, while others are more basic. By choosing a card that fits your lifestyle, you can save more on travel, restaurants and your favorite products.

Browse our extensive list of cards with no annual fee to start earning rewards today.

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Capital One® VentureOne® Rewards Credit Card
on Capital One's
secure website
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • New! Earn 10 miles per dollar on hotels when you pay with your VentureOne card at hotels.com/venture; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.49%-23.49% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro On Purchases
Intro APR
12 Months
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
13.49% - 23.49% Variable
$0
Excellent, Good
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Apply Now
Blue Cash Everyday® Card from American Express
on American Express's
secure website
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% On Purchases
Intro APR
15 Months
Intro APR Period
0% On Balance Transfers
Intro APR
15 Months
Intro APR Period
14.49%-25.49% Variable
$0
Excellent, Good
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Apply Now
Capital One® Quicksilver® Cash Rewards Credit Card
on Capital One's
secure website
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • 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
  • 0% intro APR on purchases for 9 months; 14.49%-24.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.49%-24.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro On Purchases
Intro APR
9 Months
Intro APR Period
0% Intro On Balance Transfers
Intro APR
9 Months
Intro APR Period
14.49% - 24.49% Variable
$0
Excellent, Good
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Apply Now
Chase Freedom Unlimited®
on Chase's
secure website
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.49% - 25.24% Variable
$0
Excellent/Good
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Apply Now
Discover it® Cashback Match™
on Discover's
secure website
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • No annual fee.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
14 Months
Intro APR Period
0%
Intro APR
14 Months
Intro APR Period
13.49% - 24.49% Variable
$0
Excellent/Good
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Apply Now
Chase Freedom®
on Chase's
secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.49% - 25.24% Variable
$0
Excellent/Good
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Apply Now
Bank of America® Cash Rewards Credit Card
on Bank of America's
secure website
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Introductory APR On Purchases
Intro APR
12 Billing Cycles
Intro APR Period
0% Intro APR
Intro APR
12 Billing Cycles For Balance Transfers Made In The First 60 Days
Intro APR Period
14.74% - 24.74% Variable APR On Purchases And Balance Transfers
$0
Excellent/Good
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Apply Now
Wells Fargo Cash Wise Visa® Card
on Wells Fargo's
secure website
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.49%-26.49% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
12 Months
Intro APR Period
0%
Intro APR
12 Months
Intro APR Period
14.49%-26.49% Variable
$0
Excellent/Good
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Apply Now
Citi® Double Cash Card
on Citi's
secure website, or call
888-252-3753
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
0%
Intro APR
18 Months*
Intro APR Period
14.99% - 24.99%* Variable
$0*
Excellent/Good
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Apply Now
The Amex EveryDay® Credit Card from American Express
on American Express's
secure website, or call
877-217-0904
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% On Purchases
Intro APR
15 Months
Intro APR Period
0% On Balance Transfers
Intro APR
15 Months
Intro APR Period
14.49%-25.49% Variable
$0
Excellent/Good