Best No Annual Fee Credit Cards of September 2026
These are the best products for you based on your credit.
As Seen In
Best No Annual Fee Credit Cards of September 2026
Products from our Partners.
Capital One VentureOne Rewards Credit Card
on Capital One's secure site
- Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening
- 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then 18.49% - 28.49% (Variable). Balance transfer fee applies
- $0
- Excellent, Good
Chase Freedom Unlimited®
on Chase's secure site
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
- 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable
- $0
- Excellent/Good
Wells Fargo Reflect® Card
on Wells Fargo's secure site
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
- 17.49%, 23.99%, or 28.24% Variable APR on purchases and qualifying balance transfers
- $0 annual fee and up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- $0
- Excellent/Good
BankAmericard® credit card
on Bank of America's secure site
- 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. A fee of 5% of the amount of each transaction applies to all balance transfers.
- 14.99% - 25.99% Variable APR on purchases and balance transfers
- This card has no penalty APR – paying late won't automatically raise your interest rate. Other account pricing and terms apply.
- $0
- Excellent, Good
Chase Freedom Flex®
on Chase's secure site
- Earn a $200 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, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
- 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable.
- $0
- Excellent/Good
Chase Slate®
on Chase's secure site
- 0% Intro APR for 21 months on purchases and balance transfers
- 18.24% - 28.24% Variable APR
- With Chase Credit Journey®, get access to your credit score, identity monitoring, and receive customized score improvement plans from Experian™ – all for free.
- $0
- Excellent/Good
Discover it® Cash Back
on Capital One's secure site
- Discover will automatically match all the cash back you’ve earned at the end of your first year
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then 17.49% - 26.49% (Variable) APR. Balance transfer fee applies.
- $0
- Good, Excellent
Discover
Bank of America® Travel Rewards credit card
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 everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, 17.49% - 27.49% Variable APR on purchases and balance transfers thereafter. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- $0
- Excellent, Good
Wells Fargo Active Cash® Card
on Wells Fargo's secure site
- Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 12 months from account opening on purchases & qualifying balance transfers, 18.49%, 24.49%, or 28.49% Variable APR thereafter
- $0
- Excellent/Good
Citi Strata℠ Card
on Citibank's secure site
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- $0
- Excellent, Good
Bank of America® Customized Cash Rewards credit card
on Bank of America's secure site
- Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back 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% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- $0
- Excellent, Good
Citi Double Cash® Card
on Citibank's secure site
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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, 18.24% - 28.49% (Variable) APR thereafter
- $0
- Excellent, Good
Wells Fargo Autograph® Card
on Wells Fargo's secure site
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
- Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
- 0% intro APR for 12 months from account opening on purchases, 18.49%, 24.49%, or 28.49% Variable APR thereafter
- $0
- Excellent, Good
Discover it® Miles
on Capital One's secure site
- Discover gives you an unlimited match of all the miles you’ve earned at the end of your first year
- Earn unlimited 1.5x miles on every dollar of every purchase
- Easily redeem miles as a statement credit for travel purchases.
- $0
- Good, Excellent
- Discover
Capital One Quicksilver Cash Rewards Credit Card
on Capital One's secure site
- Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
- 1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, 18.49% - 28.49% (Variable) thereafter. Balance transfer fee applies
- $0
- Excellent, Good
TD Cash Credit Card
on TD Bank's secure site
- Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
- Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases.
- 0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.
- No annual fee
- Good, Excellent
Terms Apply
Blue Cash Everyday® Card from American Express
on American Express' secure site
Terms Apply
- You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
- 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- 0% on purchases for 15 months and 0% on balance transfers for 15 months. 19.49%-28.49% Variable APR thereafter.
- $0
- Good, Excellent
AMEX
Synchrony Premier World Mastercard®
on Synchrony's secure site
- No annual fee^ and $0 fraud liability
- 2% cash back* on every purchase
- 20.49% - 33.24% Variable APR as of August 28, 2026 on purchases and balance transfers
- $0
- Good Credit
Costco Anywhere Visa® Card by Citi
on Citibank's secure site
- Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel, 2% cash back on all other purchases from Costco and Costco.com, and 1% cash back on all other purchases
- Pay no annual fee and no foreign transaction fees
- $0
- Excellent
TD FlexPay Credit Card
on TD Bank's secure site
- 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening.
- 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness.
- No annual fee and enjoy Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Good, Excellent
TD Double Up Credit Card
on TD Bank's secure site
- Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
- Earn unlimited 2% Cash Back on all eligible purchases – no rotating Spend Categories, no caps or limits as long as your credit card account is open and in good standing.
- 0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.
- No annual fee
- Good, Excellent
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!
