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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Discover it® Miles
on Discover's
secure website
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
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Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
14 Months
Intro APR Period
10.99%
Intro APR
14 Months
Intro APR Period
13.49% - 24.49% Variable
$0
Excellent/Good
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Bank of America® Travel Rewards Credit Card
on Bank of America's
secure website, or call
877-915-7732
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.49% - 24.49% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
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
N/A
Intro APR
N/A
Intro APR Period
16.49% - 24.49% Variable APR On Purchases And Balance Transfers
$0
Excellent/Good
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Wells Fargo Platinum Visa® Card
on Wells Fargo's
secure website
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.90%-26.74% variable APR; balance transfer fees apply
  • 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 Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $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
18 Months
Intro APR Period
0%
Intro APR
18 Months
Intro APR Period
16.90%-26.74% Variable
$0
Excellent/Good
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Susan G. Komen® Cash Rewards Visa® credit card from Bank of America
on Bank of America's
secure website
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $8 million from Bank of America from this program since 2009.
  • 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 annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.49% - 24.49% Variable APR. 3% fee (min $10) applies to balance transfers.
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
14.49% - 24.49% Variable APR On Purchases And Balance Transfers
$0
Excellent/Good
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Citi® Diamond Preferred® Card
on Citi's
secure website, or call
877-342-7930
  • 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 14.74% - 24.74%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.74% - 24.74%, 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 balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%*
Intro APR
12 Months On Purchases*
Intro APR Period
0%*
Intro APR
21 Months On Balance Transfers*
Intro APR Period
14.74% - 24.74%* Variable
$0*
Excellent/Good
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Discover it® chrome
on Discover's
secure website
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • 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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Citi ThankYou® Preferred Card
on Citi's
secure website
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.24% - 25.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
15 Months On Purchases*
Intro APR Period
0%
Intro APR
15 Months On Balance Transfers*
Intro APR Period
15.24% - 25.24%* Variable
$0*
Excellent Credit
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MLB™ Cash Rewards Mastercard® from Bank of America
on Bank of America's
secure website
  • $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • 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 annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.49% - 24.49% variable APR. 3% fee (min $10) applies to balance transfers
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
14.49% - 24.49% Variable APR On Purchases And Balance Transfers
$0
Excellent/Good
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Citi Simplicity® Card
on Citi's
secure website, or call
877-328-9712
  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee...Ever
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%*
Intro APR
18 Months On Purchases*
Intro APR Period
0%*
Intro APR
18 Months On Balance Transfers*
Intro APR Period
15.74% - 25.74%* Variable
$0*
Excellent/Good
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BankAmericard® Credit Card
on Bank of America's
secure website, or call
877-827-8836
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.49% - 24.49% Variable APR. 3% fee (min $10) applies to 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
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Introductory APR On Purchases
Intro APR
15 Billing Cycles
Intro APR Period
0% Intro APR
Intro APR
15 Billing Cycles For Balance Transfers Made In The First 60 Days
Intro APR Period
14.49% - 24.49% Variable APR On Purchases And Balance Transfers
$0
Excellent/Good