Best No Annual Fee Credit Cards | CompareCredit.com

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Best No Annual Fee Credit Cards

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Citi® Diamond Preferred® Card

(4,663 reviews)

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on Citibank's secure site

  • 0% for 18 months on Balance Transfers
  • 0% for 18 months on Purchases
  • 14.74% - 24.74% (Variable)
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Diamond Preferred® Card

Capital One Quicksilver Cash Rewards Credit Card

(2,797 reviews)

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on Capital One's secure site

  • $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • 1.5% Cash Back on every purchase, every day
  • 0% intro on purchases for 15 months, 15.49% - 25.49% (Variable) thereafter
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • One-time $200 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
  • 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 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees

Citi® Double Cash Card – 18 month BT offer

(3,018 reviews)

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on Citibank's secure site

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 0% for 18 months on Balance Transfers
  • No annual fee and $0 liability on unauthorized charges
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Capital One SavorOne Cash Rewards Credit Card

(851 reviews)

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on Capital One's secure site

  • $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • 3% Cash Back on dining & entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases
  • 0% intro on purchases for 15 months, 15.49% - 25.49% (Variable) thereafter
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee

Bank of America® Cash Rewards credit card

(1,804 reviews)

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on Bank of America's secure site

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days
  • 13.99% - 23.99% Variable APR on purchases and balance transfers
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap

Bank of America® Travel Rewards credit card

(680 reviews)

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on Bank of America's secure site

  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn unlimited 1.5 points per $1 spent on all purchases
  • Redeem points for a statement credit to pay for flights on any airline
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 14.99% - 22.99% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap

Blue Cash Everyday® Card from American Express

(1,381 reviews)

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on American Express' secure site

Rates & Fees

  • $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% 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% Cash Back on other purchases
  • $0
  • Good, Excellent
  • AMEX
Product Details
  • Click "APPLY NOW" to apply online
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

BankAmericard® credit card

(105 reviews)

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on Bank of America's secure site

  • 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
  • 0% Introductory APR on purchases for 12 billing cycles
  • 12.99% - 22.99% Variable APR on purchases and balance transfers
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Contactless Cards - The security of a chip card, with the convenience of a tap

See additional details for BankAmericard® credit card

Discover it® Cash Back

(2,091 reviews)

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on Discover's secure site

Rates & Fees

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Dollar-for-dollar match of all cash back earned the first year
  • No annual fee, no foreign transaction fees and award-winning customer service
  • $0
  • Good, Excellent
  • Discover
Product Details
  • Click "APPLY NOW" to apply online
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

See additional details for Discover it® Cash Back

Chase Freedom Unlimited®

(218 reviews)

Apply Now

on Chase's secure site

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR on Purchases for 15 months
  • 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases
  • $0
  • Excellent/Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®


No Annual Fee Credit Cards

With so many banks competing for a spot in your wallet, you no longer have to have a credit card with an annual fee in order to receive excellent perks and rewards. No annual fee credit cards come on all different shapes and sizes – there is one for just about any consumer. Whether you’re looking for cash back, travel rewards, or low interest rates on purchases and balance transfer, there is a no annual fee credit card that can meet your needs.

No Annual Fee Cards and Low Interest Rates

Anyone who is carries a balance on their credit card will likely also want their card to have no annual fee. And luckily, almost every card that is designed for low interest comes with no annual fee. If you’re looking to save money by avoiding interest charges, then it makes sense that you wouldn’t want to paying an extra yearly charge just to carry your card. In addition to no annual fee, you should also pay attention to if a card charges other fees like balance transfer fees, foreign transaction fees, and late fees.

No Annual Fee Credit Cards with Rewards

Using a no annual fee credit card that offers cash back or rewards is almost like getting free money – you pay no additional cost to carry the card and earn a certain perchance back on your purchases. These days there are no annual fee credit cards that offer some very generous rewards. You can get up to 2% cash back on purchases and sign up bonuses of $150 after meeting spending requirements.

There are no annual fee cards that offer travel rewards too. Earn up to 1.5x miles on every purchase and enjoy flexible redemptions with any airline or hotel. Many of the no annual fee travel cards also come with no foreign transaction fees which makes them a great option when traveling outside of the country.

Why Pay An Annual Fee?

When deciding which credit card is best for you, it’s important to take a close look at your finances to understand what exactly you need out of a credit card. There are some cases when paying an annual fee makes sense ­– for example, people who spend thousands of dollars a month on their credit card but never carry a balance might be able to reap more rewards from a card with an annual fee. But at the end of the day, no annual fee credit cards can be incredibly lucrative as well. Take a look at the no annual fee credit cards above and see which one is the best fit for you. Apply securely online today and start saving!