Best No Annual Fee Credit Cards

No one enjoys paying fees, whether they’re tacked on to a monthly subscription or popping up on a credit card bill. And with credit card issuers fighting hard for your business, a number of high-quality cards are available, even ones packed with perks and no annual fee. Here are our picks for the best no-annual-fee credit cards.

Great for: Bonus cash rewards Discover it® Cash Back

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On Discover's Secure Website

Our Bottom Line

A clear cash-back leader with a laundry list of perks, including double cash back in the first year and other essential wallet-friendly features like no annual fee.

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Credit Rating Requirement: Good/Excellent
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
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Great for: Balance transfers and cash rewards Discover it® Balance Transfer

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On Discover's Secure Website

Our Bottom Line

Few cards can top this offer. The balance transfer offer and cash rewards program, alone, are best in class, but you get both in one card without having to pay an annual fee.

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Credit Rating Requirement: Good/Excellent
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. 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.
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On Bank of America's Secure Website

Our Bottom Line

If you're seeking cash-back versatility to earn premium cash rewards for gas and at grocery stores, plus a class-leading intro bonus offer and an intro APR offer, then this card is worth considering.

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Credit Rating Requirement: Good/Excellent
Highlights
  • No annual fee
  • NEW OFFER: $200 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, 15.24% - 25.24% 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
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Great for: Sign-up bonus Wells Fargo Cash Wise Visa® Card

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On Well Fargo's Secure Website

Our Bottom Line

This card offers one of the biggest cash sign-up bonuses we've come across for a no-annual-fee credit card, along with the versatility of unlimited 1.5% cash back.

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Credit Rating Requirement: Good/Excellent
Highlights

  • 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 Google 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 (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select “Apply Now” to learn more about the product features, terms, and conditions

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Great for: Bonus cash rewards and no annual fee Chase Freedom®

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On Chase's Secure Website

Our Bottom Line

The marquee feature is the fact that this offer earns up to 5% cash back, but the card is packed with a deep bench of perks that is rare in the cash back category. It's a leading pick no doubt.

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Credit Rating Requirement: Good/Excellent
Highlights

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • 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
  • 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

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Great for: Restaurants and travel Wells Fargo Propel American Express® Card

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On Well Fargo's Secure Website

Our Bottom Line

Few cards can match the sheer number of categories that earn unlimited 3x points at such high rates. Add in the other valuable perks and that explains our high ratings for the offer.

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Credit Rating Requirement: Good/Excellent
Highlights

  • New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

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On Capital One's Secure Website

Our Bottom Line

A clear market-topping pick for if you don't want to manage rewards programs. This card earns unlimited 1.5% cash back on all purchases and includes a long 0% intro APR offer.

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Credit Rating Requirement: Good/Excellent
Highlights
  • 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 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
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Great for: Intro travel bonus offer Bank of America® Travel Rewards credit card

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Our Bottom Line

No-annual-fee travel cards typically skimp on the sign-up bonus, but this card delivers with its class-leading intro bonus offer (low spending hurdle to qualify!) and other wallet-friendly perks.

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Credit Rating Requirement: Good/Excellent
Highlights
  • 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
  • NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 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 16.99% - 24.99% 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%
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Great for: Cash rewards and balance transfers Citi® Double Cash Card

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Citi® Double Cash Card
Our Bottom Line

One of the top cards on the market with up to 2% cash back on all purchases and a long balance transfer offer.

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Credit Rating Requirement: Good/Excellent
Highlights

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% - 25.24% 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

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Great for: Gas and U.S. supermarket rewards Blue Cash Everyday® Card from American Express

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Blue Cash Everyday® Card from American Express
Our Bottom Line

Worthy of a spot in your wallet if you use cards at grocery stores and prefer no-hassle cash-back rewards to more complex rewards programs. It's one of the highest earners in this category.

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Credit Rating Requirement: Good/Excellent
Highlights

  • $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 14.74% to 25.74%.
  • 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.

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To recap, here are the best cash-back credit cards

Card Rating Great For…
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Star Review Icon Star Review Icon = Fair
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Bonus cash rewards

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5.0 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
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Great For:

Balance transfers and cash rewards

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4.5 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Star Review Icon Star Review Icon Star Review Icon = Good
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Great For:

Gas and groceries

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Great For:

Sign-up bonus

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4.5 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For:

Bonus cash rewards and no annual fee

Wells Fargo Propel American Express® Card Graphic of Wells Fargo Propel American Express® Card
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4.5 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Star Review Icon Star Review Icon Star Review Icon = Good
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Great For:

Restaurants and travel

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Great For:

Flat-rate cash rewards

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4.5 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Star Review Icon Star Review Icon Star Review Icon = Good
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Great For:

Intro travel bonus offer

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4.0 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
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Great For:

Cash rewards and balance transfers

Blue Cash Everyday® Card from American Express Graphic of Blue Cash Everyday® Card from American Express
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4.0 stars Info icon We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For:

Gas and U.S. supermarket rewards