Home >> Best No Annual Fee Credit Cards

Best No Annual Fee Credit Cards

There are 6 Credit Cards

Read More

Sponsored Links

BankAmericard® Credit Card

0% Intro APR† for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, a Variable APR currently 12.99% - 22.99% will apply. View More >

Amazon Prime Rewards Visa Signature Card

Worth checking out if you’re an avid Amazon shopper, this metal credit card earns 5% back at Amazon and Whole Foods and offers an Amazon gift card upon approval. You’ll need an Amazon Prime membership to apply. View More >

Savor® Rewards from Capital One®

Going out to eat is a bit more fun when you can hand over a shiny metal credit card. The Capital One® Savor® Cash Rewards Credit Card (Review) can fit that bill and offers an excellent cash back rate at restaurants, along with some useful bonus categories that complement the foodie aura this card exudes. View More >

Home Depot Consumer Credit Card

The Chase Ink Business Preferred offers a broad range of bonus categories that help cardholders maximize their rewards. Since the points you earn are ridiculously flexible, this card is ideal for business owners who want to redeem rewards in more than one way. View More >

Costco Anywhere Visa® Card by Citi

Earn Costco cash rewards anywhere Visa is accepted. Plus, no annual fee with your paid Costco membership.* Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, redeemable for cash or merchandise at US Costco Warehouses, including Puerto Rico. View More >

CareCredit Credit Card

CareCredit is different from a regular credit card. The card can be used to pay for medical expenses at the 200,000+ U.S. medical facilities that are part of Synchrony Bank’s CareCredit Network. View More >

No Annual Fee Credit Cards For Long 0% Balance Transfer APR >>

If you need a card with a long 0% intro APR for purchases, it will be hard to beat the U.S. Bank Visa® Platinum Card.

Read More

Citi Simplicity® Card

This is a simple card with no annual fee that offers an excellent intro APR on both purchases and balance transfers. If you want to get rid of the debt you’ve accumulated from other credit cards, this could be the Citibank card for you.
View More >

Citi® Diamond Preferred® Card

If you’re looking for some extra time to pay off large purchases, the Citi Diamond Preferred Card could be your best bet. You won’t earn any rewards, but you’ll get one of the longest 0% introductory APRs on the market as well as some useful benefits like a concierge service and shopping protections.
View More >

Citi® Double Cash Card

The Citi® Double Cash Card is a no-annual-fee favorite. With a flat cashback rate on all purchases and a bonus amount added as you pay them off, you’ll find simple and strong rewards. Citibank occasionally offers an intro APR on balance transfers. When it does, you’ll typically find an impressive promotion.
View More >

Rotating Bonus Categories >>

A typical rotating bonus category earns 5%, while other cards are limited to earning 2% or 3% cash back, says Daniel Gillaspia, travel and rewards expert and founder of the travel rewards blog UponArriving. Category choices are gas, online shopping, dining, travel, drugstores, or home improvement/furnishings.

Read More

Chase Freedom®

This popular no annual fee Chase Visa card offers 5% cash back in categories that rotate every three months. If you don’t like being tied down to just a few bonus categories, the Freedom gives you opportunities to earn on different purchases throughout the year.
View More >

Discover it® Cash Back

As far as no annual fee cash back cards go, the Discover it® Cash Back ranks among the best. You’ll get 5% cash back in quarterly rotating categories, up to $1,500 spent per quarter (then 1%; activation required). And Discover will double that for your first year! There’s also a solid 0% introductory APR for purchases and balance transfers.
View More >

Food (Restaurants and Groceries) >>

The Bank of America® Cash Rewards Credit Card (Review) is one of the most flexible cash back cards around, with a 3% bonus category you can change every month. Dining is one of your choices, along with quite a few other useful options, and you’ll always get grocery stores for one of your smaller categories.

Read More

Discover It® Student Chrome

If you are on the go, the Discover it® Student chrome may be a better option for you. It will allow you to earn 2% cashback at gas stations and restaurants on up to $1,000 in combined purchases each quarter. No sign-ups or activation here. You simply shop and earn cashback. All other purchases will earn a 1% cash back automatically.
View More >

Discover it® Secured

Discover it® Secured is 2019’s best secured credit card because it has a $0 annual fee and rewards cardholders with 1% to 2% cashback on purchases. The Discover it Secured card also doubles the rewards cardholders earn the first year. Very few secured cards even offer rewards.
View More >

Wells Fargo Propel American Express® card

If you’re new to travel credit cards the Propel could be a good place to start. It has no annual fee and provides the opportunity to earn points back on travel, gas, restaurants, and some eligible streaming services (a rare feature). You’ll also get a solid 0% intro APR on purchases and balance transfers.
View More >

Savor® Rewards from Capital One®

Going out to eat is a bit more fun when you can hand over a shiny metal credit card. The Capital One® Savor® Cash Rewards Credit Card (Review) can fit that bill and offers an excellent cash back rate at restaurants, along with some useful bonus categories that complement the foodie aura this card exudes.
View More >

Blue Cash Preferred® Card from American Express

The upgraded version of the highly rewarding Blue Cash Everyday from American Express, the Preferred card offers even more cash back at U.S. supermarkets and U.S. gas stations. It does however come with a $95 annual fee, but you might hardly notice it after taking advantage of the handy benefits and high cash back value the card provides.
View More >

Ink Business Cash℠ Credit Card

The Ink Business Cash℠ Credit Card can be a lucrative card for small-business owners who spend heavily in their top bonus categories and want a card with an annual fee of $0. And it welcomes new cardholders with a generous sign-up bonus. But its most lucrative rewards are capped, which hurts big spenders. And while its other rewards and features are decent, better options exist for heavy travelers willing to pay an annual fee. The Ink Business Cash℠ Credit Card is a capable cash-back rewards card, but some business owners will find a better fit elsewhere, even among other Chase business credit cards.
View More >

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred offers an unusual amount of value for the price. A good pick for both frequent flyers and occasional travelers, the card not only has a solid rewards program and a mammoth sign-up bonus, but it also includes some of the most generous travel insurance benefits you’ll find for a card with an annual fee of less than $100.
View More >
View More Food (Restaurants and Groceries) >>

No Annual Fee Credit Cards For Bad Credit >>

Secured cards are designed for people with bad, limited, or no credit, so they usually come with pretty unfavorable terms. But the Discover it Secured is different, and even provides a decent rewards program. Not only that, your cash back is doubled for the first year! That’s even better than some reward credit cards.

Read More

Capital One® Secured Mastercard®

If you need to build or repair your credit, the Capital One Secured Mastercard provides a simple, inexpensive opportunity to do so. You’ll need to provide an initial security deposit to establish your line of credit, up to a maximum of $1,000, but you’ll be able to increase it in time.
View More >

Discover it® Secured

Discover it® Secured is 2019’s best secured credit card because it has a $0 annual fee and rewards cardholders with 1% to 2% cashback on purchases. The Discover it Secured card also doubles the rewards cardholders earn the first year. Very few secured cards even offer rewards.
View More >

First Progress Platinum Select Mastercard® Secured Credit Card

First Progress offers three secured credit cards for people who are new to credit or rebuilding their credit. These cards have the same application requirements and similar features, but offer a choice between a lower annual fee or lower interest rate. The Platinum Select Mastercard® Secured Credit Card is the middle option.
View More >

OpenSky Secured Visa Credit Card

One of the biggest barriers to building credit is not having a bank account. If you don’t have either, the OpenSky Secured Visa Credit Card from Capital Bank, N.A. can help you, and for a reasonable price. You won’t need any credit at all to get a card, and you won’t need a bank account either, although you may need to find some creative ways to pay the security deposit and your bill.
View More >

Citi® Secured Mastercard®

While offering no rewards and limited benefits, the Citi Secured Mastercard presents a good way to build credit whether you’re new or working your way back from having bad credit. It requires a security deposit to fund your credit limit, but Citi may eventually return your deposit if you show responsible credit habits.
View More >

Milestone Gold Mastercard

The Milestone Gold Mastercard from The Bank of Missouri is an unsecured credit card designed to help you build or rebuild your credit history. Depending on your credit situation and how you use the card, however, it could get expensive.
View More >
View More No Annual Fee Credit Cards For Bad Credit >>

No Annual Fee Credit Cards For Travel Rewards >>

No-annual-fee travel credit cards offer rewards for no yearly cost of card ownership. This can be appealing to frugal or infrequent travelers. Keep in mind, however, that these cards lack the richer rewards and perks of cards that do charge annual fees. For some travelers, paying an annual fee is worth it thanks to those incentives, which can include things like travel credits, bonus rewards, airport lounge access, free checked bags, priority boarding, hotel status and more.

Read More

Capital One® VentureOne® Rewards Credit Card

The Capital One VentureOne Rewards is a general-use card that offers 1.25X miles per dollar on all purchases, and you can exchange those miles at a number of airline loyalty programs where you may find a higher value.
View More >

Bank of America® Cash Rewards Credit Card

The Bank of America® Cash Rewards Credit Card (Review) is one of the most flexible cash back cards around, with a 3% bonus category you can change every month. Dining is one of your choices, along with quite a few other useful options, and you’ll always get grocery stores for one of your smaller categories.
View More >

Discover it® Miles

Discover it® Miles is a very good travel rewards credit card, especially the first year. Instead of giving new cardholders a few hundred dollars in rewards for spending thousands within a few months of opening an account, as is common with some of the best rewards cards, Discover it Miles doubles all the miles you earn the first year as an anniversary gift.
View More >

Signup Bonus Credit Card >>

The signup bonus — one of the most valuable and coveted credit card features, with the potential to put a huge dent in your spending or help you score free flights and hotel stays. Many rewards cards come with signup bonuses, also known as introductory bonuses or welcome bonuses. These bonus offers can provide a surprising amount of value, with returns on spending ranging from around 20% on average to more than 50% in some cases.

Read More

AAdvantage® Aviator™ Red World Elite Mastercard®

The AAdvantage® Aviator™ Red World Elite Mastercard® replaced the US Airways Dividend Miles® Mastercard®, in response to the merger of American Airlines with US Airways. If you’re a frequent AA flyer this card could be a valuable addition to your wallet, providing nice benefits like Companion Certificates, free checked bags and preferred boarding privileges.
View More >

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred offers an unusual amount of value for the price. A good pick for both frequent flyers and occasional travelers, the card not only has a solid rewards program and a mammoth sign-up bonus, but it also includes some of the most generous travel insurance benefits you’ll find for a card with an annual fee of less than $100.
View More >

No Annual Fee Credit Cards For Flat-Rate Rewards >>

Paying an annual fee on a credit card can be worth it if it gets you substantially higher rewards. But in many cases, credit cards that don’t charge annual fees offer better long-term value than those that do. No-annual-fee credit cards make it easy to come out ahead, regardless of your spending. Plus, you’ll be able to keep your card open for a long time at no cost, increasing the average age of your accounts, which has a positive effect on your credit score.

Read More

Paypal Credit Card

PayPal is best known for being one of the first platforms for sending and receiving money via its own app. However, in addition to enabling payments, it also has credit card for consumers to use.PayPal Credit is an unsecured line of credit that you apply for and can use online anywhere PayPal is accepted.It provides cash back and a simple rewards .There’s no annual fee.You can redeem cash back directly to your PayPal balance or bank account.
View More >

Chase Freedom®

This popular no annual fee Chase Visa card offers 5% cash back in categories that rotate every three months. If you don’t like being tied down to just a few bonus categories, the Freedom gives you opportunities to earn on different purchases throughout the year.
View More >

American Express Cash Magnet® Card

This card’s perks are especially impressive considering it charges no annual fee. Among other benefits, you’ll enjoy free shipping at dozens of online stores with a complimentary ShopRunner membership and a chance at no-interest financing through Amex’s “Pay It Plan It” program.
View More >

Discover it® Miles

Discover it® Miles is a very good travel rewards credit card, especially the first year. Instead of giving new cardholders a few hundred dollars in rewards for spending thousands within a few months of opening an account, as is common with some of the best rewards cards, Discover it Miles doubles all the miles you earn the first year as an anniversary gift.
View More >
View More No Annual Fee Credit Cards For Flat-Rate Rewards >>

No Annual Fee Credit Cards For Rotating Bonus Categories >>

The Discover it® Cash Back (Review) is our top pick for rotating cash back categories thanks to its unique Cashback Match. You’ll earn 5% back in categories that change every three months, up to $1,500 spent per quarter (activation required).

Read More

U.S. Bank Visa® Platinum Card

With no rewards program or signup bonus, this card offers one of the longest 0% intro APR periods for both purchases and balance transfers on a credit card. For no annual fee, you’ll also get a more uncommon, but handy benefit: Up to $600 in Cell Phone Protection.
View More >

Chase Freedom®

This popular no annual fee Chase Visa card offers 5% cash back in categories that rotate every three months. If you don’t like being tied down to just a few bonus categories, the Freedom gives you opportunities to earn on different purchases throughout the year.
View More >

Discover it® Cash Back

As far as no annual fee cash back cards go, the Discover it® Cash Back ranks among the best. You’ll get 5% cash back in quarterly rotating categories, up to $1,500 spent per quarter (then 1%; activation required). And Discover will double that for your first year! There’s also a solid 0% introductory APR for purchases and balance transfers.
View More >

Travel Rewards with No Annual Fee >>

The Capital One® VentureOne® Rewards Credit Card (Review) is the top no fee travel card because it offers a decent reward rate for every purchase you make, with the ability to transfer your miles to a variety of airline partners. It can help you travel for free without putting an extra strain on your wallet, as long as you avoid interest and other fees.

Read More

Delta SkyMiles® Reserve Business Card

The Delta SkyMiles Reserve Credit Card from American Express offers some of the most sought after perks frequent flyers crave, including complimentary airport lounge access. You won’t earn a lot of miles for award flights on non-travel purchases, but your Delta spending will put you on the fast track to elite status in the airline frequent flyer program. If you love traveling in comfort and you’re loyal to Delta Air Lines, this card warrants consideration.
View More >

United℠ Explorer Card

The United Explorer Card definitely isn’t your run-of-the-mill airline credit card. Between TSA PreCheck fee credit, annual lounge visits and Luxury Hotel & Resort Collection access, the card is jam-packed with perks that will enhance your trips from start to finish — not just when you’re in the air.
View More >

Citi Rewards+℠ Card

With the Citi Rewards+℠ Card, you can make the most of your everyday purchases by earning double ThankYou® Points at the supermarket and gas stations, for the first $6,000 per year and then 1 point on all other purchases. You can redeem for things like gift cards or for travel rewards. One of Citi's best rewards credit cards, the Citi Rewards+℠ Card gives you all this with a low introductory APR and no annual fee.*
View More >

No Annual Fee Credit Cards For Long 0% Purchase APR >>

If you need a card with a long 0% intro APR for purchases, it will be hard to beat thses cards.

Read More

Wells Fargo Propel American Express® card

If you’re new to travel credit cards the Propel could be a good place to start. It has no annual fee and provides the opportunity to earn points back on travel, gas, restaurants, and some eligible streaming services (a rare feature). You’ll also get a solid 0% intro APR on purchases and balance transfers.
View More >

Chase Freedom®

This popular no annual fee Chase Visa card offers 5% cash back in categories that rotate every three months. If you don’t like being tied down to just a few bonus categories, the Freedom gives you opportunities to earn on different purchases throughout the year.
View More >

Amex EveryDay® Credit Card

The Amex EveryDay® Credit Card (Review) is a rare breed because it offers a top-notch balance transfer deal — a long intro period and no transfer fee — along with a solid rewards program (most great balance transfer cards don’t have very good rewards).
View More >

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday Card from American Express is a solid rewards card, offering cash back at U.S. supermarkets and U.S. gas stations, as well as a valuable statement credit. It comes with some handy benefits too, like access to Amex Offers and some shopping/travel protections. And as an added bonus, it carries no annual fee.
View More >
View More No Annual Fee Credit Cards For Long 0% Purchase APR >>

Editing method and disclaimer

All the credit cards recommended by CardsPro come from our editorial team to organize and summarize through the real feedback of users on the Internet and the evaluation results of other professionals. We do not charge any fees from the recommended credit card issuers, we do our best to ensure the validity of the recommendations, but it does not ensure that we fully meet your needs and the accuracy of the information. When you make a decision with reference to the credit card information recommended on this website, the information of the credit card issuer shall prevail, and we declare that we will not bear any responsibility and consequences.