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:
| Credit Card | Bonus, Rewards, Perks, and 0% APR | Annual Fee |
|---|
 | 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 18.24% - 28.24% (variable) applies.
(rates & fees) | $0 |
 | Citi® Diamond Preferred® Card | 0% on purchases for 12 months and on balance transfers for 21 months. After the intro period ends, the go-to rate of 17.24% - 27.99% (variable) applies.
(rates & fees) | $0 |
 | Costco Anywhere Visa® Card by Citi | 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.2% cash back on all other purchases from Costco and Costco.com1% cash back on all other purchasesNo foreign transaction fees | $0
rates & fees |
 | AT&T Points Plus® Card from Citi | $200 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening.1 ThankYou® Point per $1 spent on all other purchases | n/a
rates & fees |
| Credit Card | Bonus, Rewards, Perks, and 0% APR | Annual Fee |
|---|
 | Chase Freedom Unlimited® | Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account openingEnjoy 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; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.0% on purchases and balance transfers for 15 months
(rates & fees) | $0 |
 | The New United Gateway℠ Card | Limited-Time Offer: Earn 30,000 bonus miles2x miles on United purchases2x miles at gas stations, on local transit and commuting1x mile on all other purchases0% on purchases for 12 months
(rates & fees) | $0 |
 | IHG One Rewards Traveler Credit Card | Our Highest Points Offer of 2025! Earn 120,000 Bonus Points3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchasesNo foreign transaction fees | $0
rates & fees |
| 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 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. After the intro period ends, the go-to rate of 20.24% - 29.24% variable applies.
(rates & fees) | $0 |
 | Hilton Honors American Express Card | 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.7X 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
rates & 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
rates & fees |
| 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.Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.No foreign transaction feesMust be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents. | $0 |
 | USAA Rate Advantage Credit Card | No foreign transaction feesMust be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.0% on balance transfers for 15 monthsMust be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents. | $0 |
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