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

Citi® Double Cash Card — 18 month BT offer

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  • Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases
  • To earn cash back, pay at least the minimum due on time
  • 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.*
  • Balance Transfers do not earn cash back
  • 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
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Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 18 months on Balance Transfers*
Regular APR
15.74% - 25.74%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent, Good

Citi Simplicity® Card - No Late Fees Ever

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  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day — just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
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Apply Now at Citi's
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Purchases Intro APR
0%* for 12 months on Purchases*
Balance Transfers Intro APR
0%* for 21 months on Balance Transfers*
Regular APR
16.24% - 26.24%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent, Good

SimplyCash® Plus Business Credit Card from American Express

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  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *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
  • Terms apply
  • See Rates & Fees
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Apply Now at American Express's
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Purchases Intro APR
0% on purchases for 15 months
Balance Transfers Intro APR
N/A
Regular APR
14.49% - 21.49% Variable
Annual Fee
$0
Credit Needed
Excellent Credit
See Rates & Fees

Costco Anywhere Visa® Card by Citi

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  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas 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 annual fee with your paid Costco membership*
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Apply Now at Citi's
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Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.49%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent

Hilton Honors American Express Card

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  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases 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.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
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Apply Now at American Express's
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Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.99%-26.99% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Blue Cash Everyday® Card from American Express

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  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
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Apply Now at American Express's
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Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
15.24%-26.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
See Rates & Fees

The Blue Business℠ Plus Credit Card from American Express

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  • Get rewarded for business as usual. 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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 and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • 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
15.49% - 21.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
See Rates & Fees