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.

U.S. Bank Cash+™ Visa Signature® Card

Apply Now Credit Needed
Excellent Credit
  • New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
  • 2% cash back on your choice of one everyday category, like gas or groceries.
  • 1% cash back on all other eligible net purchases.
  • No limit on total cash back earned.
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.24% - 24.24%
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
Apply Now at U.S. Bank's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0%* intro on BTs for 12 months
Regular APR
15.24% - 24.24%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent Credit
See Rates & Fees

HSBC Cash Rewards Mastercard® credit card

Apply Now Credit Needed
Good/Excellent
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.24%, 18.24% or 24.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Apply Now at HSBC's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% Intro APR for 15 months
Regular APR
Variable APR of 14.24%, 18.24% or 24.24%
Annual Fee
$0
Credit Needed
Good/Excellent
See Rates & Fees

NHL® Discover it® Card

Apply Now Credit Needed
Excellent/Good
  • Choose your favorite team & show your pride – all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • 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.
  • Plus, 1% cash back on all other purchases.
  • Get 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.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
13.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

HSBC Gold Mastercard® credit card

Apply Now Credit Needed
Good/Excellent
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.24%, 16.24% or 20.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Apply Now at HSBC's
secure site
Purchases Intro APR
0% Intro APR for 18 months
Balance Transfers Intro APR
0% Intro APR for 18 months
Regular APR
Variable APR of 12.24%, 16.24% or 20.24%
Annual Fee
$0
Credit Needed
Good/Excellent
See Rates & Fees

Expedia®+ Card from Citi

Apply Now Credit Needed
Excellent Credit
  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
  • Points redeemable for $200 towards your stay at a +VIP Access™ hotel*
  • 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status for each increment of $2,500 in purchases made on the card between your January and December billing statements*
Apply Now at Citi's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.24% - 24.24%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent Credit

ABOC Platinum Rewards Credit Card

Apply Now Credit Needed
Good/Excellent
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 14.15% - 24.15%, based on your creditworthiness
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Apply Now at Amalgamated Bank of Chicago's
secure site
Purchases Intro APR
0% for 12 months
Balance Transfers Intro APR
N/A
Regular APR
14.15% - 24.15% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Good/Excellent

USAA Rewards™ American Express® Card

Apply Now Credit Needed
Good/Excellent
  • Earn one point for every dollar spent on your everyday purchases.
  • Earn 2X points per dollar on gas and groceries with no caps.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members
Apply Now at USAA's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
11.15%-27.15% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent

Discover it® chrome for Students

Discover it® chrome for Students

626 customer reviews

Apply Now Credit Needed
Fair Credit
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no sign-ups needed. Plus, 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.24% - 23.24%.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 6 months
Balance Transfers Intro APR
10.99% for 6 months
Regular APR
14.24% - 23.24% Variable
Annual Fee
$0
Credit Needed
Fair Credit
See Rates & Fees

USAA Rate Advantage Platinum Visa®

Apply Now Credit Needed
Good/Excellent
  • Enjoy one of the lowest APRs in the industry.
  • Same low rate for purchases, balance transfers and cash advances.
  • No foreign transaction fee.
  • USAA membership is available to active and former military and their eligible family members
Apply Now at USAA's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
8.15%-25.15% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent

USAA Rewards™ Visa Signature®

Apply Now Credit Needed
Good/Excellent
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members
Apply Now at USAA's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
11.15%-27.15% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent

Comparing No Annual Fee Credit Card Offers

Updated: February 22, 2018

CreditCards.com's Best No Annual Fee Credit Cards of 2018:

  • Capital One® VentureOne® Rewards Card: Best for travel
  • Blue Cash Everyday® Card from American Express: Best for groceries
  • Capital One® Quicksilver® Cash Rewards Credit Card: Best starter card
  • Chase Freedom Unlimited®: Best cash back sign-up bonus
  • Discover it® Cashback Match™: Best for Amazon purchases
  • Chase Freedom®: Best for rotating rewards
  • Bank of America® Cash Rewards Credit Card: Best for gas and groceries
  • Wells Fargo Cash Wise Visa® Credit Card: Best for mobile wallet purchases
  • The Amex Everyday® Credit Card from American Express: Best points sign-up bonus
  • Wells Fargo Platinum Visa® Card: Best for balance transfers

What Our Experts are Saying

On the Citi® Double Cash Card:

“Given that most cardholders have a clear preference for cash back rewards with no annual fee, Citi Double Cash may be the most broadly appealing card on the market,” says personal finance journalist Lisa Gerstner. “Its total rate of 2 percent cash back on all purchases is the best you’ll find on a widely available cash back card that carries no annual fee.”

“It’s just a simple set-it-and-forget-it card that fits into most anyone’s busy lifestyle,” says CreditCards.com senior industry analyst Matt Schulz. “There’s no minimum spending threshold to meet, no rotating categories to chase. It’s just 2 percent on anything you buy, anywhere and anytime you buy it. That’s a tough combination to beat.”

The Citi Double Cash card also comes with important consumer protections and insurance products as cardholder perks, adds personal finance expert Holly Johnson. “Some of the most lucrative benefits offered include Citi Price Rewind, trip cancellation and interruption coverage, and travel accident insurance. These protections are free just for being a cardholder."’

On the Discover it® Miles Card:

If you plan to use your rewards for travel, the Discover it Miles card is one of the most generous no annual fee cards you can get – especially in the first year. The travel card offers a flat 1.5 miles for every dollar you spend and then doubles your first-year earnings. “That brings your total annual earnings to 3 percent, which is pretty sweet,” says Johnson.

“Those looking for a versatile rewards card with no annual fee can’t go wrong with the Discover it Miles card,” says CreditCards.com Editor-in-Chief Daniel P. Ray. “With double miles in the first year, you can get a big head start on that dream trip of yours.”

Full Details on No Annual Fee Credit Cards

You don’t have to pay a high annual fee to earn a big return on a rewards credit 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.

When you see the advantages of cards with annual fees, you may think that they are the way to go. But cards without an annual fee can be worth your while in the right circumstances. Here, we look at:

  • How much do you save by not having an annual fee?
  • Benefits of no annual fee cards
  • When are cards with annual fees worth it?
  • How to choose between different no annual fee cards

Take a look at what we've learned:

How much do you save by not having an annual fee?

You can save money by avoiding an annual fee if you don’t plan to spend too high of an amount. For example, with the Blue Cash Everyday, which has no annual fee, and the Blue Cash Preferred, which has a $95 annual fee, with a $3,200 spend on groceries, the Blue Cash cards come out within a penny of each other:

Spend $3,200 a year on groceries:

CardCash BackTotal Minus Annual Fee
Blue Cash Everyday3% x $3,200 = $96$96
Blue Cash Preferred6% x $3,200 = $192$97

If you spend less, the Blue Cash Everyday is worth your while. If you spend more, then the Blue Cash Preferred is the best pick. Also, the Preferred has a higher sign-up bonus than the Blue Cash Everyday.

Take another example. The Capital One Venture Rewards has a significantly higher sign-up bonus than the Capital One VentureOne Rewards – 50,000 miles as opposed to 20,000. Also, the $95 annual fee for the Venture Rewards is waived the first year. But what about after the first year?

CardRewardsRewards Minus Annual Fee
VentureOne Rewards1.25 miles x $12,750 = $159$159
Venture Rewards2 miles x $12,750 = $255$160

So, you see that the VentureOne Rewards is worth your while if you plan to spend less than $12,750 a year after the first year.

Benefits of no annual fee cards

  • No ongoing charge. If you pay on time and in full each month, you can avoid late fees and interest charges, as well as no annual fee if that is a feature of the card.
  • Good for the long term. If it’s a card you plan to keep beyond the first year, but not one you plan to use aggressively, then a no annual fee card can be a good choice.
  • A variety of types of cards. No annual fee cards can be cash back, balance transfer or other options.
  • Good for small amounts of spending. If you don’t plan to be a big spender with your card, you don’t need a card with richer rewards, which often come with an annual fee.
  • Nice rewards. No annual fee cards can offer 2% back flat rate, 5% back on select categories, $150 sign-up bonus and more.

When are cards with annual fees worth it?

  • If the annual fee is waived. Sometimes, cards with annual fees waive the fee the first year of card membership, maximizing your savings.
  • If you plan to spend a lot. Every card has a threshold that can make it worth your while to get a card with an annual fee.
  • If the sign-up bonus is generous. Cards with annual fees can have superior sign-up bonuses.
  • If the rewards are particularly rich. The rewards for a card with an annual fee may be stronger than those with no annual fee.
  • If the benefits are excellent. Look at the benefits of the cards you are eyeing, such as free first checked bag, free late check-out or access to airport lounges.

How to choose between different no annual fee cards

  • Are there specific categories? Check out the categories, such as groceries, restaurants, gas and more, because you can get rich rewards this way.
  • Is there a companion card? If so, there might be one with a waived annual fee the first year, such as the Venture Rewards. Base which one you choose on how much you plan to spend.
  • Are you looking for a flat rate? These cards are great for using the card without thinking about it – they can come with up to 2% cash back.
  • Are there rich categories? A couple of cards offer rotating categories of 5% back. Be mindful of the requirements, though, because with these cards, you have to sign up for the new bonuses each quarter.
  • Sign-up bonus? Many come with sign-up bonuses, which are worth comparing. Or you instead might get double cash back at the end of your first year or double your cash when you pay your bill.

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 Best No Annual Fee Credit Cards

CardAnnual Fee0% Intro APR on PurchasesRegular APR
Capital One® VentureOne® Rewards Card$012 months13.24% - 23.24% Variable
Blue Cash Everyday® Card from American Express$015 months14.24% - 25.24% Variable
Capital One® Quicksilver® Cash Rewards Credit Card$09 months14.24% - 24.24% Variable
Chase Freedom Unlimited®$015 months16.24% - 24.99% Variable
Discover it® Cashback Match™$014 months13.24% - 24.24% Variable
Chase Freedom®$015 months16.24% - 24.99% Variable
Bank of America® Cash Rewards Credit Card$012 billing cycles14.24% - 24.24% Variable
Wells Fargo Cash Wise Visa® Credit Card$012 months14.24% - 26.24%* Variable
The Amex Everyday® Credit Card from American Express$015 months14.24% - 25.24% Variable
Wells Fargo Platinum Visa® Card$015 months16.40% - 26.24% Variable

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