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Updated June 16, 2016

Credit Cards with No Annual Fees: October 2018

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Want a good credit card with no annual fee? You can still score big rewards, such as travel miles or cash back, and skip the annual fee. You just have to know where to look.

This is the page to start your search. Here is our list of credit card promotions with no annual fee.

Compare the offers below to find one that's right for you.

Tip: Pay careful attention to each credit card's rewards program and its interest rates before making your choice.

  • If you usually pay in full each month, look for no annual fee rewards credit cards that earn rewards on the types of things you purchase the most. Also look at what you can do with the rewards once you get them. Think cash back and travel - not merchandise.

  • Otherwise, if you tend to have a credit card balance, focus your search on low interest rates and promotional APRs.

Generally speaking, a no annual fee card is best for consumers who don't spend a lot, or who are looking for a secondary card to cover specific spending categories (e.g.: dining out at restaurants). Otherwise, if you're a big spender or frequent traveler, consider a premium credit card instead. Yes, they come with an annual fee, but they also usually come with more rewards and more benefits.

No Annual Fee with Rewards

Chase Freedom Unlimited
Apply for Chase Freedom Unlimited
Chase Freedom Unlimited lets you earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening. You earn unlimited 1.5% cash back on every purchase. There is also a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. The balance transfer fee is 5% of the amount transferred, $5 minimum. The cash back rewards will not expire as long as your card account remains open. There is no annual fee.

Consider this card if you want to earn cashback on your purchases. It will give you 1.5% cash rewards on all your purchases. There is no rotating bonus categories to worry about and no quarterly enrollment to remember.

No Annual Fee for College Students

Discover Student It Card will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 5% cash back in bonus categories that change each quarter (up to the quarterly maximum; requires free activation each quarter). All other purchases earn 1% cash back. Plus, you earn a $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

Consider this card if you are a college student looking to build credit and earn cash back.

Visa No Annual Fee

Chase Freedom lets you earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. There is a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. The balance transfer fee is 5% of the amount transferred, $5 minimum.

This is the fun part: You can 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. Unlimited 1% cash back on all other purchases. The cash back rewards do not expire as long as your card account remains open. There is no annual fee.

American Express No Annual Fee

Blue Cash Everyday
Apply for Blue Cash Everyday Card from American Express
Blue Cash Everyday offers a $150 statement credit after you spend $1,000 on purchases within the first three months of opening your new credit card account. This card earns 3% cash back at U.S supermarkets (on up to $6,000/year in purchases, then 1%), 2% cash back at U.S gas stations and at select U.S. department stores, and 1% on other purchases.

The cash back is received in the form of Reward Dollars that can be redeemed for statement credits, gift cards, and merchandise. There is a 0% intro APR for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%. There is no annual fee. Terms apply.

Consider this card if you have excellent credit and you spend a lot on groceries and gas. With the Blue Cash Everyday from American Express (a CreditDonkey advertiser), you'll earn 3% cash back at U.S. supermarkets (on up to $6k/year in purchases, then you'll get 1% back) and 2% cash back at U.S. gas stations and select U.S. department stores, like Kohl's and Macy's. The rewards program is consistent, so you don't have to think about rotating reward categories.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Freedom and Discover it® Student Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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