Find a No Annual Fee Credit Card
Cards that don't charge an annual fee can still provide great benefits, perks, and rewards. Note, some of the cards below don't charge an annual fee for the first year, but charge one after that. Compare cards from our partners that don't charge an annual fee now.
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No Annual Fee

Chase Freedom Unlimited®

Apply Now at Chase's
secure site
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
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Apply Now at Chase's
secure site
Purchases Intro APR
0% for 15 months
Balance Transfers Intro APR
0% for 15 months
Regular APR
15.99% - 24.74% Variable
Annual Fee
$0
Credit Needed
Excellent/Good

Blue Cash Everyday® Card from American Express

Apply Now at American Express's
secure site
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
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Apply Now at American Express's
secure site
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
13.99%-24.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
See Rates & Fees

Chase Freedom®

Apply Now at Chase's
secure site
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
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Apply Now at Chase's
secure site
Purchases Intro APR
0% for 15 months
Balance Transfers Intro APR
0% for 15 months
Regular APR
15.99% - 24.74% Variable
Annual Fee
$0
Credit Needed
Excellent/Good

Barclaycard CashForward™ World Mastercard®

Apply Now at Barclaycard's
secure site
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases.
  • Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee
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Apply Now at Barclaycard's
secure site
Purchases Intro APR
0% for 15 months
Balance Transfers Intro APR
0% for 15 months (on balance transfers made within 45 days of account opening)
Regular APR
15.99%, 20.99% or 25.99% Variable
Annual Fee
$0
Credit Needed
Excellent

The Amex EveryDay® Credit Card from American Express

Apply Now at American Express's
secure site
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 23.99%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees
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Apply Now at American Express's
secure site
Purchases Intro APR
0% on Purchases for 12 months
Balance Transfers Intro APR
0% on Balance Transfers for 12 months
Regular APR
13.99%-23.99% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Citi® Double Cash Card — 18 month BT offer

Apply Now at Citi's
secure site
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
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Apply Now at Citi's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 18 months*
Regular APR
14.49% - 24.49%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent/Good

BankAmericard® Credit Card

Apply Now at Bank of America's
secure site
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • 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
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Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 15 billing cycles
Balance Transfers Intro APR
0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
Regular APR
12.99% - 22.99% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Bank of America® Travel Rewards Credit Card

Apply Now at Bank of America's
secure site
  • 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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
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Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 12 billing cycles
Balance Transfers Intro APR
N/A
Regular APR
15.99% - 23.99% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Bank of America® Cash Rewards Credit Card

Apply Now at Bank of America's
secure site
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
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Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases for 12 billing cycles
Balance Transfers Intro APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Hilton Honors™ Card from American Express

Apply Now at American Express's
secure site
  • Limited Time Offer: Earn 50,000 Hilton Honors Bonus Points after you spend $1,000 in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional 25,000 Bonus Points after you make an additional $1,000 in purchases with your new Card within your first 6 months. Offer expires on 10/4/2017.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Gold status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
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Apply Now at American Express's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.24%-20.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees