You don’t always have to pay hefty annual fees to enjoy credit card rewards programs like cash back and travel miles. There are plenty of value-packed credit cards with no annual fees on the market today. With a good-to-excellent credit score of around 670 or higher, you can take your pick. You can also find no annual fee credit cards for lower credit scores as well.
When shopping for the best no annual fee credit card, it’s smart to consider your spending habits and rewards goals. Are you a daily spender looking to earn cash back on groceries, gas, and other essential purchases? Are rewards for travel, dining and entertainment discounts more important to you? Or do you need a low introductory APR on balance transfers or large purchases? These answers will help you narrow your search.
Our Bankrate experts rated the best no annual fee credit cards for 2021 on several key factors. Cash back rates and categories, travel rewards programs and affordable APRs lead our criteria, while perks like sign-up bonuses and easy rewards redemption round out the list. In our no annual fee credit card reviews below, you can easily compare the details of each top pick, plus see expert recommendations for specific spending and rewards needs.
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Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.