You don't have to pay an annual fee to get the credit card you want. If you want decent rewards without having to spend extra money on an annual fee, then no annual fee cards are suitable for you. Find low rates, cash back, and rewards with these great cards from our partners - all with no annual fee.
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Updated: January 1, 2018
Credit cards without an annual fee offer much-appreciated savings, a hassle-free experience and other benefits, say experts.
"Yearly fees prevent consumers from buying what they really want," says Julie Pukas, head of U.S. Bankcard and Merchant Solutions at TD Bank. "Our 2017 Consumer Spending Index revealed that millennials spend nearly $300 more than the average respondent on dining, a total of approximately $2,000 annually. Without the burden of an annual fee, consumers are able to spend money on the things they want while earning cash back on their purchases.
"Some consumers may save their credit card rewards points so that they can pay off their annual fee," says Pukas. "By switching to a card with no yearly fee, they can put those rewards to something they really want, like flights, dining out and more."
The trick is to identify whether one suits your lifestyle. Here, we look at:
Take a look at what we've learned:
An annual fee is a charge some credit cards impose, often because the card has rich rewards or benefits to offer. That said, there are cards of all types without an annual fee, so shop around. You can even find cards with which you can earn points or cash back.
A no annual fee credit card is great for someone who is looking for a balance transfer card, trying to build credit or wants a rewards card without the hassle of an annual fee. With a balance transfer card or 0% APR card, you avoid interest charges for a limited time – this may be a card you don't plan to use much in the future, so an annual fee isn't wanted. If you need a secured card or a card for bad or fair credit, you'll want to see if there is an annual fee, which can be another cost when cash is short. Many rewards cards have annual fees, but there are some without one, which is ideal if you don't plan to use the card extensively.
|Card||Annual Fee||0% Intro APR on Purchases||Regular APR|
|Chase Freedom Unlimited®||$0||15 months||16.24% - 24.99% Variable|
|The Amex Everyday® Credit Card from American Express||$0||12 months||14.24% - 24.24% Variable|
|Blue Cash Everyday® Card from American Express||$0||15 months||14.24% - 25.24% Variable|
|Discover it® Cashback Match™||$0||14 months||11.99% - 23.99% Variable|
|Capital One® VentureOne® Rewards Card||$0||12 months||13.24% - 23.24% Variable|
|Capital One® Quicksilver® Cash Rewards Credit Card||$0||9 months||14.24% - 24.24% Variable|
|Discover it® Miles||$0||14 months||11.99% - 23.99% Variable|
|Chase Freedom®||$0||15 months||16.24% - 24.99% Variable|
|Wells Fargo Cash Wise Visa® Credit Card||$0||12 months||14.24% - 26.24%* Variable|
|Citi® Double Cash Card||$0||N/A||14.74% - 24.74%* Variable|
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