Credit Cards with No Annual Fee

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Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Advantages of No-Annual-Fee Cards

No-annual-fee credit cards offer several advantages that make them appealing to a wide range of consumers. Here are some key advantages of choosing a credit card with no annual fee:

Cost Savings: The most obvious benefit is that you won’t have to pay an annual fee to use the credit card. This can result in significant cost savings over time, especially for individuals who don’t use credit cards frequently or extensively.

Accessible for All Credit Levels: No-annual-fee cards are often more accessible to individuals with various credit levels, including those who are building or repairing their credit. These cards may have fewer stringent eligibility requirements compared to premium cards with annual fees.

Simple and Straightforward: No-annual-fee cards are straightforward, with fewer costs to consider. There are no hidden fees related to annual membership, making it easier for cardholders to understand and manage their expenses.

Ideal for Infrequent Card Users: If you use a credit card infrequently or primarily for emergencies, a no-annual-fee card can be a cost-effective option. You won’t incur charges simply for holding the card.

Introductory Offers: Some no-annual-fee cards still come with introductory offers, such as 0% APR for a certain period or rewards programs. This allows users to benefit from perks without the commitment of an annual fee.

Building Credit History: For individuals looking to or establish or improve their credit history, no-annual-fee cards can provide an entry point into the world of credit without the burden of an annual fee.

Backup Card: Having a no-annual-fee card as a backup can be convenient. Even if you primarily use another card, a no-annual-fee card can serve as a spare in case of emergencies or situations where your primary card may not be accepted.

List of Credit Cards with No Annual Fee

Here is a list of available personal credit cards that have no annual fee:

Citi Credit Cards

Credit CardBonus, Rewards, Perks, and 0% APRAnnual Fee
Citi Rewards+ Card

Citi Rewards+® Card

  • 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.
  • 0% on purchases and balance transfers for 15 months
    (rates & fees)
  • $0
    Citi Custom Cash Card

    Citi Custom Cash® Card

  • $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.
  • 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel portal through 6/30/2025.
  • 0% on purchases and balance transfers for 15 months
    (rates & fees)
  • $0
    Citi Double Cash Card

    Citi Double Cash® Card

  • $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.
  • 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel portal through 12/31/24.
  • 0% on balance transfers for 18 months
    (rates & fees)
  • $0
    Costco Anywhere Visa Card by Citi

    Costco Anywhere Visa® Card by Citi

  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No foreign transaction fees
  • $0
    rates & fees
    Citi Diamond Preferred Card

    Citi® Diamond Preferred® Card

    0% on purchases for 12 months and on qualifying balance transfers for 21 months
    (rates & fees)
    $0

    Wells Fargo Credit Cards

    Credit CardBonus, Rewards, Perks, and 0% APRAnnual Fee
    Wells Fargo Autograph Card

    Wells Fargo Autograph Card

  • 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
  • Unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.
  • 0% on purchases for 12 months from account opening
    (rates & fees)
  • $0
    Wells Fargo Active Cash Card

    Wells Fargo Active Cash® Card

  • $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Unlimited 2% cash rewards on purchases.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • 0% on purchases and qualifying balance transfers for 15 months from account opening
    (rates & fees)
  • $0
    Wells Fargo Reflect Card

    Wells Fargo Reflect® Card

  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • 0% on purchases and qualifying balance transfers for 21 months from account opening
    (rates & fees)
  • $0

    Bank of America Credit Cards

    Credit CardBonus, Rewards, Perks, and 0% APRAnnual Fee
    Bank of America Unlimited Cash Rewards credit card

    Bank of America® Unlimited Cash Rewards credit card

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Unlimited 1.5% cash back on all purchases.
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies.
  • $0
    Bank of America Customized Cash Rewards Credit Card

    Bank of America® Customized Cash Rewards credit card

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • 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.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies.
  • $0
    Bank of America Travel Rewards Credit Card

    Bank of America® Travel Rewards credit card

  • 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 as long as your account remains open.
  • No foreign transaction fees
  • 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.
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • 0% on purchases and qualifying balance transfers for 15 billing cycles. After the intro period ends, the go-to rate of 19.24% - 29.24% variable applies.
  • $0

    Chase Credit Cards

    Credit CardBonus, Rewards, Perks, and 0% APRAnnual Fee
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • 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!
  • 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!
  • Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 20.49% - 29.24% variable applies.
  • $0
    United Gateway Card

    United Gateway Card

  • Limited-time offer: Earn 30,000 bonus miles
  • 2 miles per $1 spent on United purchases, at gas stations and on local transit and commuting
  • 1 mile per $1 spent on all other purchases
  • 0% on purchases for 12 months. After the intro period ends, the go-to rate of 21.99% - 28.99% variable applies.
  • $0
    IHG One Rewards Traveler Credit Card

    IHG One Rewards Traveler Credit Card

  • 80,000 bonus points
  • 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
  • No foreign transaction fees
  • $0
    Ink Business Cash Credit Card

    Ink Business Cash® Credit Card

  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • 0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies.
  • $0
    Ink Business Unlimited Credit Card

    Ink Business Unlimited® Credit Card

  • $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Unlimited 1.5% cash back on every purchase made for your business
  • 0% on purchases for 12 months. After the intro period ends, the go-to rate of 18.49% - 24.49% variable applies.
  • $0

    American Express Credit Cards

    Credit CardBonus, Rewards, Perks, and 0% APRAnnual Fee
    The American Express Blue Business Cash Card

    The American Express Blue Business Cash™ Card

  • $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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.
  • $0
    (fees)
    The Blue Business Plus Credit Card from American Express

    The Blue Business® Plus Credit Card from American Express

  • 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 2X Membership Rewards points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • $0
    (fees)
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

  • $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • 0% on purchases and balance transfers for 15 months
    (rates & fees)
  • $0
    (fees)
    Hilton Honors American Express Card

    Hilton Honors American Express Card

  • 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
  • 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • 3X Points for all other eligible purchases on your Card.
  • No foreign transaction fees
  • $0
    (fees)
    Delta SkyMiles Blue American Express Card

    Delta SkyMiles® Blue American Express Card

  • 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
  • 2X Miles per dollar spent on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and 1X Mile on all other eligible purchases.
  • No foreign transaction fees
  • $0
    (fees)

    USAA Credit Cards

    Credit CardBonus, Rewards, Perks, and 0% APRAnnual Fee
    USAA Preferred Cash Rewards Credit Card

    USAA Preferred Cash Rewards Credit Card

  • Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
  • Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
  • No foreign transaction fees
  • $0
    (fees)
    USAA Rate Advantage Credit Card

    USAA Rate Advantage Credit Card

  • No foreign transaction fees
  • 0% on balance transfers for 15 months
    (rates & fees)
  • $0
    (fees)

    Additional Credit Cards with No Annual Fee

    In addition to the above offers, many other no-annual-fee credit cards feature excellent rewards too.

    >> Click here to see more credit cards with no annual fee <<

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