Best No Annual Fee Credit Cards of 2022

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Earn Cash Rewards with Credit Cards and Pay No Annual Fee

Credit cards with no annual fee give responsible users a payment tool at no cost. At the same time, they allow people to accumulate cash back, earn points, receive bonus, or even receive perks such as free flights or hotel stays. Below you will find some of the best no annual fee credit cards for consumers and small businesses.

2% Cash Back on all Purchases: $200 Bonus, unlimited 2% Cash Rewards

Wells Fargo Active Cash® Card offers $200 bonus cash. You only need to spend $1,000 on purchases in 3 months to qualify for the $200 bonus. In addition, you can earn unlimited 2% cash back on all purchases. It has no annual fee.

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 16.49%, 21.49%, or 26.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
15 months from account opening
Regular APR
16.49%, 21.49%, or 26.49% Variable
Annual Fee (rates & fees)
$0

Cash Rewards Credit Card: $200 Bonus, up to 3% Cash Back

Bank of America® Customized Cash Rewards credit card offers $200 bonus cash. You only need to spend $1,000 on purchases in 90 days to qualify for the $200 bonus, which is easily attainable. In addition, you can earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings, 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. It has 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.
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
15 billing cycles
Regular APR
14.74% - 24.74% Variable APR on purchases and balance transfers
Annual Fee
$0

Citi Custom Cash: $200 Bonus, up to 5% Cash Back

Citi Custom Cash℠ Card offers $200 bonus cash. You only need to spend $750 on purchases in 90 days to qualify for the $200 bonus. In addition, you can earn up to 5% cash back on purchases in your top eligible spend category each billing cycle. It has no annual fee.

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
15.49% - 25.49% (Variable)
Annual Fee
$0

Chase Freedom Unlimited: $200 Bonus and up to 5% Cash Back

Chase Freedom Unlimited® offers $200 bonus cash back after qualified spending. It also offers up to 5% cash back on grocery store purchases.

  • Bonus: You will receive up to $300 additional bonus cash back. You will earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Rewards: You will earn 5% on Chase travel purchased through Ultimate Rewards, 3% on dining and drugstores, and 1.5% on all other purchases. Your cash back rewards do not expire as long as your account is open.
  • Intro APR: Enjoy 0% Intro APR for 15 months on purchases.
  • Annual Fee: This credit card has no annual fee. You can keep the card without having to pay a fee.

Amex Blue Business Cash: 2% Cash Back on up to $50,000 purchases annually

American Express Blue Business Cash™ Card offers 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 14.74% - 22.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Intro APR
0% on Purchases
Intro APR Period
12 months from date of account opening
Regular APR
14.74% - 22.74% Variable
Annual Fee (rates & fees)
No annual fee

U.S. Bank Altitude Go Visa Signature Card

U.S. Bank Altitude Go Visa Signature Card offers 4X points on takeout, food delivery and dining and 2X points at grocery stores, grocery delivery, gas stations and on streaming services. Reward points can be redeemed towards cash back at the rate of 100 points for $1.

  • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
  • 4X points on dining, takeout, and restaurant delivery.
  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
  • 1X point on all other eligible purchases.
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 16.49% - 25.49%.
  • No Annual Fee
  • Points never expire
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
  • Terms and conditions apply.


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