Ad Disclosure

No Annual Fee Credit Cards

If given the choice between two credit cards, which are identical save for the fact that one has an annual fee and the other does not, everyone would opt for the latter option. Things aren’t always so clear-cut, however. Some of the best rewards credit cards have annual fees, for example, but their earnings easily cover the cost. It all depends on what you get in return for what you spend.

If credit building is your objective or you plan to use your card very little, then opening one of these no annual fee credit cards (some of which come…show more

    3.5 2,159 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until May 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 21.9% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • 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 per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases until May 2016; 11.9%-21.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card
    • Auto rental insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See All Reviews & Details About The Capital One® VentureOne® Rewards Credit Card
    4 930 reviews

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 21 months
    • 0% Transfers 21 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • No late fees - EVER.
    • No penalty rate - EVER.
    • No annual fee - EVER.
    • Save time when you call with fast, personal help, 24 hours a day.
    • See All Reviews & Details About The Citi Simplicity® Card
    3.5 355 reviews

    Citi® Double Cash Card


    citi double cash card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1% - 2% cash back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • 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
    • Additional Info
    • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • No Annual Fee
    • See All Reviews & Details About The Citi® Double Cash Card
    3.5 2,401 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • 0% Purchases until February 2016
    • 0% Transfers until February 20163% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until February 2016; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere
    • See All Reviews & Details About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,362 reviews

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • NEW Free Monthly FICO® Score and Credit Dashboard
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See All Reviews & Details About The Chase Slate®
    3.5 1,005 reviews

    Blue Cash Everyday® Card from American Express


    american express blue
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    • Annual Fee $0
    • Rewards Rate 1% - 3% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 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% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% 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.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
    • See All Reviews & Details About The Blue Cash Everyday® Card from American Express
    3.5 1,027 reviews

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige
    • 0% Purchases until August 2016
    • 0% Transfers until August 20163% Transfer Fee
    • Regular Rate 10.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Get 0% intro APR on all purchases until August 2016; 10.9%-20.9% variable APR after that
    • Balance transfers also have a 0% intro APR until August 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Enjoy extended warranty protection on eligible items purchased with your card
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • Pick the monthly due date that works best for you
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • See All Reviews & Details About The Capital One® Platinum Prestige Credit Card
    4 1,769 reviews

    Chase Freedom®


    chase freedom
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1% - 5% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Named a Best Card for Cash Back by MONEY® Magazine
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add you 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 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
    • 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
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
    • No annual fee and rewards never expire as long as your account is open
    • See All Reviews & Details About The Chase Freedom®
    3 701 reviews

    Barclaycard® Rewards MasterCard®


    barclaycard credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 24.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points/$1
    • Rewards Bonus None
    • Minimum Credit Fair
    • Rewards Details
    • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
    • Use the points you earn like cash to pay for almost any purchases you've made.
    • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
    • Additional Info
    • Complimentary FICO® Scores as a benefit to active card members. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
    • No annual fee.
    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
    • See All Reviews & Details About The Barclaycard® Rewards MasterCard®
    4 266 reviews

    U.S. Bank Visa® Platinum Card


    us bank platinum credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 9.99% - 20.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-20.99%
    • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
    • Zero fraud liability*for unauthorized transactions if your card is ever lost or stolen
    • Fraud Protection detects and notifies you of any unusual card activity to help keep your account safe
    • Chip technology for enhanced card security
    • Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account
    • *No annual fee
    • The card is only available to residents in: AZ,AR,CA,CO,ID,IL,IN,IA,KS,KY,MN,MO,MT,NE,NV,ND,OH,OR,SD,TN,UT,WA,WI,WY,NM
    • See All Reviews & Details About The U.S. Bank Visa® Platinum Card
    X
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

    Not sure?
    Try our free credit check. It takes 20
    seconds and doesn't require personal info.

    Free Credit Check
    I Want


     
    Based on your other criteria:
    No cards have a Regular
    Rate below %.
     

    Credit Card Networks


    Fewer Filters
    Balance Transfer Fee?



    Foreign Transaction Fee?



    Smart Chip Technology

    Ask our Experts

    Expert’s Answers

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

    By: John Kiernan, Personal Finance EditorIt’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 CEOWhen 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 CEOChoosing 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 CEOAnnual 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

    Ask a question or help others find the best no annual fee credit cards by sharing some tips.

     
    Apr 23, 2015
    By:
    My favorite card without an annual fee is the American Express Blue Cash Everyday card. I use this card for almost everything from my monthly phone bill to groceries to gasoline for my car. I love that there are no special rotating categories for extra cash back. The rewards program is straightforward and I know which purchases will reap the most benefit. Most importantly the lack of an annual fee makes this card a real money saver and something everyone should have in their wallet. I don’t have a single complaint about this card. I love it!
    Mar 30, 2015
    By:
    My favorite no annual fee card is definitely the Citi Double Cash card. There isn't a single thing that I would change about it. It took me a bunch of comparing between this and another card before I finally decided on this one and I have been more than happy with my decision ever since. I'd recommend it to anyone looking for a card with no annual fee!
    Nov 8, 2014
    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
    Oct 14, 2014
    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.
    Oct 7, 2014
    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.
    Aug 18, 2014
    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.
    Jun 28, 2014
    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 no annual fee card like mine helps my credit work for me, not against me.
    May 30, 2014
    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
    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.
    Nov 23, 2013
    By:
    What's the catch on Fair, average 0r bad credit?
    Nov 25, 2013
    Photo of Card H.
    Hi Sandra. I am not sure what you're asking. Could you repeat your question please?
    Credit Cards Prepaid Cards Gift Cards Tools