No Annual Fee Credit Cards - Reviews
We’ve taken a look at a wide variety of no-annual-fee cards, comparing and rating them based on the value of their rewards, ease of redemption, and perks and features. Whether you are looking for a cash back, airline, hotel or general rewards card, our reviews are designed to help you uncover the best values you can get with no annual fee.
Chase Freedom Unlimited®
Last reviewed: January 29, 2021
The Chase Freedom Unlimited card offers a good sign-up bonus and an impressive average rewards rate, including a 1.5% cash back rate on general purchases, making it a great starter card for collecting Chase Ultimate Rewards.
Discover it® Balance Transfer
Last reviewed: November 16, 2020
A good value for cardholders who need to transfer a balance, but don’t want to give up earning new rewards, the Discover it Balance Transfer card pairs a generous balance transfer promotion with a solid first year bonus.
*This page includes information about the Discover it® Balance Transfer product, which is no longer offered by Discover. The information for the Discover it® Balance Transfer has been collected independently by CreditCards.com. The card details on this page have not been reviewed or provided by the card issuer. This card is no longer available on our site.
Discover it® Cash Back
Last reviewed: February 11, 2021
The Discover it Cash Back card offers a substantial amount of value for cardholders who don’t mind keeping track of rotating bonus categories; but what really sets this card apart from its competitors is its consumer-friendly terms and ultra generous sign-up bonus, which matches the amount of cash back you earn at the end of the card member’s first year.
Navy Federal Credit Union cashRewards Card
Last reviewed: January 7, 2021
With a low APR and up to 1.5 percent cash back on every purchase, this modest credit union card is a great choice for cardholders who plan to carry a balance and want low-maintenance rewards at an affordable price.
Discover it® chrome
Last reviewed: January 8, 2021
A good card for foodies and commuters, the Discover it chrome credit card features an outstanding sign-up bonus that matches your rewards at the end of the year and a solid bonus on restaurant and gas purchases.
PenFed Power Cash Rewards Visa Signature® Card
Last reviewed: April 1, 2021
The PenFed Power Cash Rewards Visa Signature card awards 2 percent cash back, but only PenFed members can apply.
Discover it® Miles
Last reviewed: March 1, 2021
The Discover it Miles card offers a range of high-end travel perks and an industry-leading rewards rate for the card’s first 12 months, but the benefits drop off significantly after the first year.
Bank of America® Cash Rewards credit card
Last reviewed: April 5, 2021
The Bank of America Cash Rewards card offers an exceptional rewards rate on a category of the user’s choice, allowing increased flexibility. But a $2,500 spending cap on bonus category rewards limits how much cardholders can earn.
Chase Freedom Flex℠
Last reviewed: March 31, 2021
The Chase Freedom Flex card’s unique blend of year-round and quarterly-rotating rewards categories should offer great variety. It may be especially appealing to frequent travelers who want to avoid an annual fee or pair with a premium Chase travel card.
RBFCU CashBack Rewards card
Last reviewed: February 23, 2021
Customers of RBFCU can’t do much better than this highly rewarding cash back card, though it’s only available in Texas.
Hilton Honors American Express Card
Last reviewed: March 25, 2021
The Hilton Honors card offers a generous number of bonus points on hotel and everyday purchases; but because Hilton’s Honors aren’t worth as much as the average credit card rewards point, cardholders need a larger number of points to purchase rewards-funded travel.