RedditIf you have good credit and are looking for a credit card with no annual fee, you can qualify for many cash back or travel credit cards that let you earn rewards on everyday purchases.
| Credit Cards | Purchase APR | Transfer Info | Annual Fee | Credit Level |
|---|---|---|---|---|
| Bank of America® Customized Cash Rewards credit card | 0% intro APR 18.24% - 28.24% Variable APR after that | 0% intro APR 18.24% - 28.24% Variable APR after that | $0 | Excellent / Good CreditApply NowView Card Details |
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| Bank of America® Travel Rewards credit card | 0% intro APR 18.24% - 28.24% Variable APR after that | 0% intro APR 18.24% - 28.24% Variable APR after that | $0 | Excellent / Good CreditApply NowView Card Details |
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| Capital One VentureOne Rewards Credit Card | 0% intro APR 19.24% - 29.24% (Variable) APR | 0% intro APR 19.24% - 29.24% (Variable) APR No balance transfer fee | $0 | Excellent, Good CreditLearn MoreView Card Details |
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| American Express Blue Business Cash™ Card | 0% intro APR 17.49% - 25.49% Variable APR after that rates & fees | N/A | No annual fee | Good, Excellent CreditApply NowView Card Details |
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| The Blue Business® Plus Credit Card from American Express | 0% intro APR 17.49% - 25.49% Variable APR after that rates & fees | N/A | No annual fee | Good, Excellent CreditApply NowView Card Details |
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| Capital One Spark Cash Select - $500 Cash Bonus | 17.49% - 23.49% (Variable) APR | 17.49% - 23.49% (Variable) APR No balance transfer fee | $0 | Excellent, Good CreditLearn MoreView Card Details |
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| Capital One Quicksilver Cash Rewards Credit Card | 0% intro APR 19.24% - 29.24% (Variable) APR | 0% intro APR 19.24% - 29.24% (Variable) APR | $0 | Excellent, Good CreditLearn MoreView Card Details |
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| Capital One SavorOne Cash Rewards Credit Card | 19.24% - 29.24% (Variable) APR | 19.24% - 29.24% (Variable) APR | $0 | Good CreditLearn MoreView Card Details |
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| BankAmericard® credit card | 0% intro APR 16.24% - 26.24% Variable APR after that | 0% intro APR 16.24% - 26.24% Variable APR after that | $0 | Excellent / Good CreditApply NowView Card Details |
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- $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 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% 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.
- Earn 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.
- 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.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- If you're a 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.
- 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.
- Pay no annual fee and no foreign transaction fees
- You will earn a bonus of 20,000 miles after spending $500 on purchases within the first 3 months of account opening, redeemable for $200 in travel
- You will earn unlimited 1.25 miles per dollar on all purchases
- Miles won't expire and there's no cap on how many you can earn
- You will earn 5 miles per dollar on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options
- Redeem miles for travel credit, or redeem miles for trips purchased through Capital One Travel
- You can transfer miles to 15+ travel loyalty programs
- You can enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
- 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 us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 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.
- You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- You will earn a $500 bonus after spending $4,500 within the first 3 months of account opening
- You will earn unlimited 1.5% cash rewards on all purchases - with no cap or category restrictions
- Pay no annual fee
- You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel
- Rewards won't expire
- You can redeem cash back rewards for any amount
- Free employee cards, with unlimited 1.5% cash rewards on all purchases
- $0 fraud liability for card loss or theft
- You will earn a $200 bonus cash after spending $500 on purchases within the first 3 months of account opening
- You will earn unlimited 1.5% cash rewards on all purchases
- Pay no annual fee and no foreign transaction fees
- You can enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options. Terms Apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire and there's no cap on how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
- You will earn a $200 bonus cash after spending $500 on purchases within the first 3 months of account opening
- You will earn unlimited 3% cash rewards on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on other purchases
- You will earn 10% cash rewards on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- You will earn 8% cash rewards on Capital One Entertainment purchases
- You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options. Terms Apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire and there's no cap on how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
- Pay no foreign transaction fee
- Pay no annual fee
- New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- 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.
Credit Cards with No Annual Fee for the first year
In addition to the above offers, there are quite a few credit cards has no annual fee for the first year. Some of those cards offer rich bonus of as much as $2,000 or 200,000 miles. Some offer outstanding cash back or travel rewards. Such bonus and rewards worth a lot more in value.
| Credit Cards | Purchase APR | Transfer Info | Annual Fee | Credit Level |
|---|---|---|---|---|
| Capital One Venture Rewards Credit Card | 20.24% - 28.24% (Variable) APR | 20.24% - 28.24% (Variable) APR No balance transfer fee | $95 | Excellent, Good CreditLearn MoreView Card Details |
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| Capital One Spark Cash Plus | N/A | N/A No balance transfer fee | $150 | Excellent, Good CreditLearn MoreView Card Details |
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| Capital One Spark Miles for Business | 25.24% (Variable) APR | 25.24% (Variable) APR No balance transfer fee | $0 intro for first year; $95 after that | Excellent, Good CreditLearn MoreView Card Details |
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| Delta SkyMiles® Gold Business American Express Card | 19.99% - 28.99% Variable APR rates & fees | N/A | $0 introductory annual fee for the first year, then $99 | Good, Excellent CreditApply NowView Card Details |
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- You can enjoy a bonus of 75,000 miles after spending $4,000 on purchases within the first 3 months of account opening, redeemable for $750 in travel
- You will earn unlimited 2 miles per dollar on all purchases
- Miles won't expire and there's no cap on how many you can earn
- You will receive $85 credit for TSA PreCheck® or $100 credit for Global Entry
- You can enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges
- You will earn 5 miles per dollar on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options
- Redeem miles for travel credit, or redeem miles for trips purchased through Capital One Travel
- You can transfer miles to 15+ travel loyalty programs
- You will earn up to a $1,000 cash bonus; $500 after spending $5,000 within the first 3 months, and $500 after spending $50,000 in the first 6 months of account opening
- You will earn unlimited 2% cash rewards on all purchases-with no cap or category restrictions
- You will earn an annual $200 bonus cash every year you spend $200,000 or more-that's enough to cover your annual fee and then some
- You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash rewards on all purchases
- You will earn a bonus of 50,000 miles, redeemable for $500 in travel, after spending $4,500 on purchases within the first 3 months of account opening
- You will earn unlimited 2X miles per dollar on all purchases, no cap or category restrictions, and miles won't expire
- Unlimited 5 miles per dollar on hotels and rental cars purchased through Capital One Travel
- You can transfer miles to 15+ travel loyalty programs
- You can redeem miles instantly for travel purchases, from flights and hotels to ride-sharing services
- You will receive application fee credit of $85 for TSA PreCheck® or $100 for Global Entry
- $0 intro annual fee for the first year; $95 afterwards
- Free employee cards with unlimited 2 miles per dollar on all purchases
- Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- Terms and limitations apply
Additional Credit Card Offers
If you would like to explore more offers, click here to see additional credit cards.
