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No Annual Fee Credit Cards

5.0 5.0 - 95 reviews for top rated card

No annual fee credit cards are those that don't have yearly or monthly membership fees for at least the first year and can therefore be free to use as long as you pay your bill in full and on time every month. As such, these cards are popular for a number of reasons, including their applicability to credit building. A no fee credit card that is in good standing provides a free monthly infusion of positive information to all your major credit reports, even when you don’t use it to make purchases. However, it is important to keep in…show more

    Chase Freedom® - $200 Bonus


    chase freedom credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 13.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $200
    • Earn Rate 1% - 5% cash back
    • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between October 1 – December 31, 2014 at Amazon.com, Zappos.com and select department stores
    • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants, and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases

    Blue Cash Everyday® Card from American Express


    blue cash credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 12.99%-21.99%
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $50 + 1yr of Amazon Prime
    • Earn Rate 1% - 3% cash back
    • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
    • You will receive $50 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 19.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1.25 miles / $1
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

    Capital One® Venture® Rewards Credit Card


    capital one venture rewards credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 13.9% - 20.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Miles
    • Initial Bonus 40,000 miles
    • Earn Rate 2 miles / $1
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
    • Earn unlimited 2X miles on every purchase, every day.
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

    Citi® Double Cash Card


    citi cashreturns mastercard
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 2% cash back
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 20153% Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival world mastercard credit card with no annual fee
    • 0% Purchases Not Offered
    • 0% Transfers 12 months3% Fee
    • Regular Rate 14.99% - 18.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1 - 2 miles/$1
    • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel and dining and 1X miles on all other purchases
    • Miles don't expire as long as your account is open, active and in good standing
    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival world mastercard credit card
    • 0% Purchases Not Offered
    • 0% Transfers 12 months3% Fee
    • Regular Rate 14.99% or 18.99%
    Apply Now at issuer's secure site
    • Annual Fee None 1st yr, $89 after
    • Rewards Miles
    • Initial Bonus 40,000 miles
    • Earn Rate 2 miles/$1
    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that’s enough to redeem for a $400 travel statement credit.
    • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    capital one quicksilverone cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 2015None Fee
    • Regular Rate 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee $39
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1.5% cash back
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Cash back doesn't expire and there’s no limit to how much you can earn

    Chase Sapphire Preferred® Card


    chase sapphire preferred credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None 1st yr, $95 after
    • Rewards Points
    • Initial Bonus 40,000 points
    • Earn Rate 1 - 2 points / $1
    • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards℠.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
    • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
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    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

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    Ask our Experts
    EXPERT’S ANSWERS

    Why do some of the best credit cards have annual fees?

    By: John Kiernan, Personal Finance Editor It’s understandable if you’re confused as to why many of the credit cards catered to people with the best credit scores have annual fees. I mean, one would think that the best consumers would get the best cards and that the best cards would have no fees. While counterintuitive, some of the best credit cards have annual fees because in opening a card with an annual fee, consumers are making an implicit agreement to use their cards often. No one would want pick a fee card vs. a no fee card unless they’re planning on using it. Given that usage leads to additional revenue, banks are willing to give better rewards and benefits in return for the customer’s “commitment.” In other words, you have a win-win situation where both consumers and banks are better off.

    Are there any credit cards without fees whatsoever?

    By: Odysseas Papadimitriou, CardHub CEO When people talk about no fee credit cards, they usually mean those without monthly or annual membership fees. However, some consumers are interested in finding a true no fee credit card--one that doesn’t have past due fees, over-limit fees, balance transfer fees or foreign exchange fees in addition to not having membership fees. And while there are indeed certain credit cards--like the Citi Simplicity card--that are devoid of most such fees, everyone interested in one should understand two important things:

    First, if you have reason to want a card without over-limit and past due fees, you shouldn't be looking for a credit card at all because the damage you’ll do to your credit by missing payments or going over limit will surely outweigh the monetary value of any fee levied for these offenses. This is especially true in this post-CARD Act era, where penalty fees have decreased significantly, given that they must be commensurate to the offenses that caused them (e.g. if you exceed your limit by $5, the fee for doing so can be no more than $5).

    Secondly, there’s no perfect credit card. Everything has pros and cons, and credit cards with no fees across the board undoubtedly sacrifice other key account terms. This is the very reason why cards without balance transfer fees have higher transfer APRs, rewards cards without fees have less attractive perks, and so on. When looking for a card, you should therefore focus only on the attributes that will really matter, given your lifestyle and spending habits. After all, if you plan on using your card for rewards, why would you care if it has a balance transfer fee?

    What sets no annual fee credit cards apart from one another?

    By: Odysseas Papadimitriou, CardHub CEO Choosing a no annual fee credit card can be difficult, given the obvious similarities between the cards in this genre. However, the no fee card you get simply depends on how you plan to use it. If you aren’t planning on using your card at all, the exact card you get obviously doesn’t matter. On the other hand, if you’re planning on using your card to make purchases and are confident that you will be able to pay your bill in full every month, your sole focus should be on maximizing the rewards that you will earn. Lastly, should you need a way to minimize finances charges, your focus should be on finding the card with either the longest 0% introductory interest rate and/or the lowest regular APR.

    How do issuers make money off credit cards with no annual fees?

    By: Odysseas Papadimitriou, CardHub CEO Annual and monthly fees simply represent one of a credit card company’s many revenue streams. Credit card companies also charge interchange fees to merchants whenever credit cards are swiped at their stores, assess interest to customers who do not pay their bills in full every month and apply miscellaneous fees, such as those for late payments and going over limit (if you opt-in for the ability to do so). As long as a customer actually uses his card, credit card companies therefore have a number of ways to make money off no annual fee credit cards.

    Conversely, if a customer does not use his no fee credit card, the issuer is bound to lose money, given the fixed costs of credit card operations (e.g. mailing statements, customer service, etc). That is why credit card companies highly favor membership fees. They provide a consistent, dependable source of revenue, ensuring that credit card companies will make money off their products, even when customers don’t generate any interchange fee or interest revenue.
    COMMUNITY DISCUSSION

    Help others find the best no annual fee credit cards by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    November 8, 2014
    Photo of Gerald Z.
    By:
    I
    chose discover card because they were gave me all the options over other cards and I just like
    their convenience, customer service and the patiencethey had with me
    October 14, 2014
    Photo of Marino J.
    By:
    I currently use Macy’s AMEX and it has no annual fee. I love it because I don’t need to pay the annual fee which I think is a waste of money. There are plenty of credit cards out there that if you qualify has no annual fees whatsoever. The best part of this credit card is because it’s from AMEX, I am eligible to participate in various AMEX promos like discounts to certain stores or cash back.
    October 7, 2014
    Photo of John H.
    By:
    I had a no fee credit card several years ago, but unfortunately, I ran into some problems with being laid off and losing my wife. It went to collections and I eventually paid it off over three years. I tried to reapply, but I was told I could not get a new one. My credit score was below 600, and I was told it would take at least five years of good credit before I could reapply. So I am doing the right things such as paying my bills on time, and balancing my check book. Maybe I’ll be able to get on top of things once again.
    August 18, 2014
    Photo of Kirk D.
    By:
    I have a Discover Card with no annual fee. There are no conditions that connect annual fees to spending levels. It is great not to have to worry about extra debts piling up due to fees. Along with the bonus rewards and low rates, the no annual fee makes this a very desirable card. I will never get a card with an annual fee again.
    June 28, 2014
    Photo of Jason S.
    By:
    I have a Citibank Platinum Select Visa, and it has no annual fee. Whether it's a large fee billed once a year, or divided up into twelve payments once a month, not having this extra fee gives me a lot more freedom and less worry about paying off my debt. It would annoy me to get to a zero balance but still find myself charged an annual fee, and this card skips that, treating me more like a customer rather than a cash machine. To me, having an annual fee is almost like having a secured card - you end up paying for the privilege of using credit. Having a more
    May 30, 2014
    Photo of Shelia K.
    By:
    i have a card with no annual fee.i Have to use the card for shopping so much in order not to have an annual fee.in other words at least 30 percent that I have to use my card in order not to have an annual or monthly fee.even when I use my card at an atm card machine I don't have to pay.it's been a good card and I will never change my card service as long as I don't have to have an annual fee.This card is a blessing to me and my family.
    May 10, 2014
    Photo of Jay S.
    By:
    I have the Chase Freedom card and it's great. having no annual fees is a big selling point for me when it comes to picking out a credit card. this one also has great cash back options and bonus rewards.
    November 23, 2013
    Photo of Sandra E.
    By:
    What's the catch on Fair, average 0r bad credit?
    November 25, 2013
    Photo of Card H.
    Hi Sandra. I am not sure what you're asking. Could you repeat your question please?
    November 11, 2013
    Photo of Phyllis H.
    By:
    Low interest rate and no annual fees.