No Annual Fee Credit Cards

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.

See offers from our partners below.

Chase Freedom Unlimited®

8,818 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Apply Now at Chase's
secure site
Purchases Intro APR
0% Intro APR on Purchases for 15 months
Balance Transfers Intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
16.24% - 24.99% Variable
Annual Fee
$0
Credit Needed
Excellent/Good

The Amex EveryDay® Credit Card from American Express

Apply Now APPLY BY PHONE Credit Needed
Excellent/Good
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 24.24%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
Apply Now at American Express's
secure site

or call American Express at

877-217-0904
Terms Apply
Purchases Intro APR
0% on Purchases for 12 months
Balance Transfers Intro APR
0% on Balance Transfers for 12 months
Regular APR
14.24%-24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Blue Cash Everyday® Card from American Express

Apply Now APPLY BY PHONE Credit Needed
Excellent, Good
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 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 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
Apply Now at American Express's
secure site

or call American Express at

877-915-6432
Terms Apply
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
14.24%-25.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
See Rates & Fees

Discover it® Cashback Match™

Discover it® Cashback Match™

25,774 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
12.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Capital One® VentureOne® Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.24%-23.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Apply Now at Capital One's
secure site
Purchases Intro APR
0% intro on purchases for 12 months
Balance Transfers Intro APR
N/A
Regular APR
13.24% - 23.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

Capital One® Quicksilver® Cash Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • 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
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Apply Now at Capital One's
secure site
Purchases Intro APR
0% intro on purchases for 9 months
Balance Transfers Intro APR
0% intro on balance transfers for 9 months
Regular APR
14.24% - 24.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

Discover it® Miles

Discover it® Miles

322 customer reviews

Apply Now Credit Needed
Excellent/Good
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
10.99% for 14 months
Regular APR
12.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Chase Freedom®

Chase Freedom®

13,427 customer reviews

Apply Now Credit Needed
Excellent/Good
  • 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Apply Now at Chase's
secure site
Purchases Intro APR
0% Intro APR on Purchases for 15 months
Balance Transfers Intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
16.24% - 24.99% Variable
Annual Fee
$0
Credit Needed
Excellent/Good

Wells Fargo Cash Wise Visa® Card

Apply Now Credit Needed
Excellent/Good
  • 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 Android 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, then a 14.24%-26.24% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Apply Now at Wells Fargo's
secure site
Purchases Intro APR
0% for 12 months
Balance Transfers Intro APR
0% for 12 months
Regular APR
14.24%-26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good

Citi® Double Cash Card

Apply Now APPLY BY PHONE Credit Needed
Excellent/Good
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74% 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*
Apply Now at Citi's
secure site

or call Citi at

888-252-3753
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 18 months*
Regular APR
14.74% - 24.74%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent/Good

Comparing No Annual Fee Credit Card Offers

Updated: January 1, 2018

CreditCards.com's Top No Annual Fee Credit Cards: January 2018

  • Chase Freedom Unlimited®
  • The Amex Everyday® Credit Card from American Express
  • Blue Cash Everyday® Card from American Express
  • Discover it® Cashback Match™
  • Capital One® VentureOne® Rewards Card
  • Capital One® Quicksilver® Cash Rewards Credit Card
  • Discover it® Miles
  • Chase Freedom®
  • Wells Fargo Cash Wise Visa® Credit Card
  • Citi® Double Cash Card

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:

  • What is an annual fee?
  • Who should get a no annual fee card?
  • Common benefits of a no annual fee credit card
  • When to switch to a card with no annual fee

Take a look at what we've learned:

What is an annual fee?

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.

Who should get a no-annual-fee card?

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.

Common benefits of a no-annual-fee credit card

  • You don't have to worry about earning enough points or miles. "Annual-fee credit cards aren't inherently bad. With some, you can get enough back in rewards and perks to make the fee worth it. But if you don't use your credit card much, you might be losing money," says Ben Luthi, financial expert at Student Loan Hero. So, look at whether you benefit enough to justify an annual fee.
  • Keep it simple. "Another reason you might want to opt for a no-annual-fee card is the simplicity," says Luthi. "You don't have to worry about making sure you're breaking even."
  • It's a good option when building credit. A number of cards for fair or bad credit offer no annual fee, making this an easy way to avoid a fee while you're building credit. Note, though, that there can be other fees that can trip you up – read the fine print before making a decision. Also, make sure the card issuer reports to all 3 major credit bureaus to ensure that your good credit habits are recorded.
  • It's excellent for someone just starting out with cards. If you are new to credit cards, a card with no annual fee is a good choice so that you can practice with the card without worrying about using enough points or cash back to offset the annual fee.
  • Enjoy a higher available credit. If you want to have a higher available credit, but you don't plan to use the card often, getting a card without an annual fee is a good choice. A high available credit with a low balance is a great way to help you build your credit. However, make sure you put at least a small charge on the account each month (and pay in full and on time each month), because on-time payments are the leading way to build credit.

When to switch to a card with no annual fee

  • Your rewards value doesn’t add up. "Fee-based credit cards can offer some excellent rewards, but they aren’t a one-size-fits-all solution," says financial writer and former banker Sandra Parsons of aTheoryofChange.com. "If you’re paying an annual fee for your credit card, you need to crunch the numbers to make sure the value of the cash back or points you earn exceeds the value of the annual fee. If it does, then you want to check to make sure the net value of your rewards (accounting for the annual fee) is higher than the value you could earn with a no-fee card. If not, you would be better off switching."
  • You have a high balance. If you have a balance you want to transfer to a 0% intro APR card, a balance transfer card without an annual fee can be a good choice, says Michael Tamez, investment blogger with Sunshine Gold Investments. That way, once you pay off the balance, you can continue to build credit without having to use the card heavily to pay for the annual fee.
  • You use cash often. If you don’t use your credit card often, and the annual fee is eating you up, the switch to a card with no annual fee may be the best option.
  • You want the benefits without the fee. "The good news is that there are several no-annual-fee cards that offer amazing perks," says Luthi. "Some offer high cashback rates and some even offer sign-up bonuses. And while you won’t get a lot of the same perks that you’d get with a premium credit card, you can still get benefits like a 0% APR promotion on purchases and balance transfers, no foreign transaction fees, price protection, and rental car insurance."
  • One final tip before making a decision. If you’re thinking about switching cards, take advantage of the waived-fee period of some products first. Says Aaron Aggerwal, assistant vice president of credit cards at Navy Federal Credit Union: "Many credit card companies waive their annual fee in the first year, so use this time to test out your spending and see how to get the most out of your card." Then, you can decide if a card with no annual fee works best for you.

Want some more information?

Check out our reviews for cash back cards and travel rewards cards to see some of the strongest offers. Just make sure you check the annual fee on each one!

Recap - Our Top No Annual Fee Credit Cards

CardAnnual Fee0% Intro APR on PurchasesRegular APR
Chase Freedom Unlimited®$015 months16.24% - 24.99% Variable
The Amex Everyday® Credit Card from American Express$012 months14.24% - 24.24% Variable
Blue Cash Everyday® Card from American Express$015 months14.24% - 25.24% Variable
Discover it® Cashback Match™$014 months11.99% - 23.99% Variable
Capital One® VentureOne® Rewards Card$012 months13.24% - 23.24% Variable
Capital One® Quicksilver® Cash Rewards Credit Card$09 months14.24% - 24.24% Variable
Discover it® Miles$014 months11.99% - 23.99% Variable
Chase Freedom®$015 months16.24% - 24.99% Variable
Wells Fargo Cash Wise Visa® Credit Card$012 months14.24% - 26.24%* Variable
Citi® Double Cash Card$0N/A14.74% - 24.74%* Variable

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* For additional rates, fees and costs see issuer's website for detailed pricing and terms.