Personal Credit Cards with No Annual Fee

Advantages of No-Annual-Fee Personal Cards

Personal credit cards with no annual fee can be advantageous for a number of reasons.

Cost Savings: The most apparent benefit is the absence of an annual fee, which means you won’t incur a yearly charge for simply having the card. Therefore, no-annual-fee credit cards are popular among individuals who want to minimize credit card costs.

Accessibility: No-annual-fee credit cards are often more accessible to a broader range of consumers. In general, premium travel cards usually require applicants to have excellent credit profile. But for credit cards with no annual fee, people with varying credit profiles usually may qualify, making these cards a good option for those who may be establishing or rebuilding their credit.

Simplicity: No-annual-fee cards typically come with straightforward terms. Consequently, you don’t have to worry about justifying the annual fee through rewards or benefits, making them simpler to understand and manage.

Introductory Offers: Some no-annual-fee cards offer introductory perks, such as cash back rewards, sign-up bonuses, or 0% APR on purchases or balance transfers. These features can provide value without the cost of an annual fee.

Backup or Occasional Use: A no-annual-fee card can be an excellent backup or secondary credit card. It is there when you need it without the financial commitment of an annual fee.

Building Credit History: For individuals looking to build or rebuild their credit, no-annual-fee cards can be a low-risk option to establish a positive credit history without the added cost.

List of Personal Credit Cards with No Annual Fee

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

Citi Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	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	$0
	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. 0% on purchases and balance transfers for 15 months	$0
	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
	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	$0
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on qualifying balance transfers for 21 months	$0

Wells Fargo Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	Wells Fargo Autograph℠ Card	Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 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	$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	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 Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	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 18.24% - 28.24% variable applies.	$0
	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 - now with expanded categories, 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. 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services). 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 18.24% - 28.24% variable applies.	$0
	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 18.24% - 28.24% variable applies.	$0

Chase Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	Chase Freedom Unlimited®	Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases. 0% on purchases and balance transfers for 15 months	$0
	Chase Slate Edge℠	0% on purchases and balance transfers for 18 months	$0
	United Gateway℠ Card	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
	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

American Express Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	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, U.S. gas stations, and on U.S. online retail purchases of up to $6,000 per calendar year in purchases in each category, then 1%. 0% on purchases and balance transfers for 15 months (rates & fees)	$0 (fees)
	Hilton Honors American Express Card	100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged 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	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)

Marcus by Goldman Sachs Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	My GM Rewards® Mastercard®	15,000 bonus points after spending $1,000 in your first 3 months - that's $150 in value when you redeem with GM. 4X points for every $1 spent on all purchases, and 7X total points for every $1 spent on GM purchases. Points don't expire as long as your account remains open. No foreign transaction fees 0% on purchases for 9 months	$0

USAA Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	USAA Preferred Cash Rewards Credit Card	Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back. No foreign transaction fees 0% on purchases for 15 months	$0
	USAA Rate Advantage Credit Card	No foreign transaction fees 0% on balance transfers for 15 months	$0

Comenity Bank Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	Sony Visa® Credit Card	$125 in statement credit when you use the Sony Visa Credit Card to spend $500 within 60 days of account opening. Offer expires on 3/31/24. 5x points on Entertainment** (ie concerts, sporting events, movies, digital downloads like movies, music & e-books) 5X points when you shop the Sony Store and at authorized retailers*** 1x point on all other purchases anywhere Visa is accepted**	$0
	PlayStation® Visa® Credit Card	$100 statement credit when you open and use the PlayStation Card to spend $400 in purchases within 60 days of account opening. Offer ends 12/31.* 5X points when you shop directly from PlayStation (on games, consoles, accessories, subscriptions and more).** 5X points when you shop the Sony Store and at authorized retailers*** 1x point on all other purchases anywhere Visa is accepted**	$0