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, some of which are from our partners.

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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Rates & Fees

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

  • 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 14.74%-27.24% 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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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 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
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings    
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases 
  • You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same. 
  • No expiration on rewards 
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers 
  • If you're a Preferred Rewards client, you can get a 25% - 75% rewards bonus on every purchase  
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Great for: Gas and U.S. supermarket rewards Blue Cash Everyday® Card from American Express

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On American Express' Secure Website

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 15.24% to 26.24%.
  • 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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Rates & Fees

Great for: Unlimited flat-rate cash rewards American Express Cash Magnet™ Card

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On American Express' Secure Website

Our Bottom Line

This unlimited 1.5% cash back card is simple and effective. It also comes with a big cash back bonus for a relatively low spending requirement. 

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Credit Rating Requirement: Good/Excellent
Highlights
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • $0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No Annual Fee.
  • Terms Apply.
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Rates & Fees

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

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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 17.24-25.99%. 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: Sign-up bonus Wells Fargo Cash Wise Visa® Card

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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 16.24%-28.24% 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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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; 15.24%-25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24%-25.24% 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
  • 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 17.24% - 25.24% 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 15.74% - 25.74% based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • No categories to track, no caps on cash back
  • No annual fee

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As credit card perks have gotten better and better, banks have added or raised annual fees for their cards accordingly. With many of the best credit cards, you’ll need to pay an annual fee of $95, $225, or even upwards of $400 per year.

You’re not out of luck if you’re against paying for a credit card, though. There’s plenty of no annual fee credit cards out there, and as our list of the best cards proves, no annual fee doesn’t mean no benefits. You can still earn plenty of cash back or travel rewards, or score a low interest offer to save yourself some money, without paying a dime for your card.

How we picked the winners

To determine which no annual fee cards deserve to rank among the best of the best, we used three criteria:

1. Rewards rate -- We only chose cards that earned competitive rewards rates either in cash back or travel rewards points.

2. Sign-up bonus -- Even with no annual fee cards, many banks sweeten the deal by offering impressive sign-up bonuses. This could be a set dollar amount after you meet a spending minimum or, in the case of Discover cards, a match of the cash back you earn in your first year.

3. Intro APR offer -- 0% APR offers are commonplace among no annual fee cards. We looked at how long each card’s intro period was and whether it covered purchases, balance transfers, or both.


Why you can trust me

For several years, I’ve been using credit cards not just to build and maintain a high credit score, but to earn money back and build travel rewards I could use for free trips. I’ve tried over a dozen credit cards, and by getting several different no annual fee cards, I was able to earn over $800 in bonus cash back within three months.

Which types of no annual fee cards are available?

You can find both cash-back credit cards and travel rewards credit cards that have no annual fee.

No annual fee cash-back cards are much more common, and in fact, most cash-back cards don’t charge an annual fee. With cash-back cards, you earn a certain amount back on every purchase. You can then redeem that cash back in the form of a statement credit, deposit to a bank account, or a check sent to you in the mail, depending on the card.

Even though travel rewards cards usually have annual fees, this isn’t always the case. There are a select few no annual fee travel cards, and these cards earn points that you can redeem for travel. The redemption process may involve using your points to book the travel you want or applying your points as a statement credit towards a previous travel purchase.

Is a no annual fee credit card right for you?

A no annual fee card is never a bad idea, since you don’t need to pay anything to have one. Still, these credit cards fit some consumers much better than others. You should think about getting a no annual fee card if any of the following are true:

  • You’re trying to keep costs down -- When you’re on a strict budget, it’s important to avoid unnecessary expenses. No annual fee credit cards are a great way to earn cash or points back on your spending without adding another bill in the process.
  • You don’t travel much -- The majority of the no annual fee cards are cash-back cards. Although you can get a no annual fee travel card, frequent travelers would normally be better off with one of the higher-end travel rewards cards. These cards will have more travel perks, and those can easily outweigh the annual fee.
  • You want to carry more than one credit card -- It’s not for everyone, but carrying multiple credit cards can help you earn more back on your everyday spending. For example, instead of only having a card that earns you 1.5% back, you could also carry one that earns you more on gas and groceries. No annual fee cards are perfect for this, because you can combine them without paying extra.

How to choose a no annual fee card

You can narrow down your options with no annual fee cards by asking yourself a few questions:

  • Do you need a 0% intro APR for purchases or balance transfers?

  • Would you rather earn cash back or travel rewards?

  • Which cards will earn you the most back?

Not everyone will need a 0% intro APR, but if you do, that should be your priority. These offers can save you a considerable amount of money on large purchases or on credit card debt that you transfer to your new card.

Depending on your lifestyle, you may be more interested in getting a card that earns cash back or travel points. Deciding between the two is a quick way to trim the number of cards you have to compare.

Once you know whether you want a cash-back card or a travel rewards card, you can check rewards rates and sign-up bonuses on those cards. If you want to be thorough, you can compare your standard monthly expenses to each card’s rewards rate to figure out which will earn you the most back. That may sound like a lot of math, but it’s actually easier than you’d think once you have your budget in front of you.

Avoiding credit card fees

A no annual fee card helps you avoid one type of credit card fee, but there are plenty of others out there that can cost you money. To keep yourself free of fees, make sure you’re aware of the situations when your card issuer could charge you one.

  • Late fees -- If you don’t pay your credit card bill on time, your card issuer can charge you a fee of up to $28 the first time around and $39 for each late payment thereafter. You can usually contact your card issuer and get them to waive one late fee, but you’ll only get one mulligan.
  • Cash advance fees -- Getting a cash advance can be one of the costliest credit card mistakes. Not only is there a fee of either $5 or 10% of the cash advance amount, whichever is greater, but card issuers also often charge a higher interest rate on these advances.
  • Foreign transaction fees -- When you use your credit card for international purchases, there may be a foreign transaction fee, with the most common fee amount being 3% of the transaction. If you think you’ll be traveling internationally, you should look for no annual fee cards with no foreign transaction fees.
  • Returned payment fees -- If your payment gets returned due to insufficient funds in your bank account, your card issuer can charge you a returned payment fee of up to $38. Returned payments are especially costly because they can also result in a late payment fee from your card issuer and an insufficient funds fee from your bank.

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To recap, here are the best no-annual-fee cards

Card Rating Great For…
Discover it® Cash Back Graphic of Discover it® Cash Back
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Star Review Icon = Poor
Great For:

Bonus cash rewards

Wells Fargo Propel American Express® Card Graphic of Wells Fargo Propel American Express® Card
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Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Great For:

Restaurants and travel

Discover it® Balance Transfer Graphic of Discover it® Balance Transfer
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Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Great For:

Balance transfers and cash rewards

Bank of America® Cash Rewards credit card Graphic of Bank of America® Cash Rewards credit card
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Great For:

Gas and groceries

Blue Cash Everyday® Card from American Express Graphic of Blue Cash Everyday® Card from American Express
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Great For:

Gas and U.S. supermarket rewards

American Express Cash Magnet™ Card Graphic of American Express Cash Magnet™ Card
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Great For:

Unlimited flat-rate cash rewards

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Great For:

Bonus cash rewards and no annual fee

Wells Fargo Cash Wise Visa® Card Graphic of Wells Fargo Cash Wise Visa® Card
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Great For:

Sign-up bonus

Capital One® Quicksilver® Cash Rewards Credit Card Graphic of Capital One® Quicksilver® Cash Rewards Credit Card
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Great For:

Flat-rate cash rewards

Bank of America® Travel Rewards credit card Graphic of Bank of America® Travel Rewards credit card
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Great For:

Intro travel bonus offer

Citi® Double Cash Card Graphic of Citi® Double Cash Card
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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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Cash rewards and balance transfers