Enjoy the benefits of card ownership without having to pay an annual fee for the privilege every year. Whether you're looking for a good rewards program or a low interest rate, a card with a $0 annual fee fits into anyone's budget.
Credit Cards with No Annual Fees: April 2018
This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the advertiser's affiliate programs.
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 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 16.49-25.24%. 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 can earn $20 cash back 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 16.49-25.24%. 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 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 14.49% to 25.49%. 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® for Students has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
  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 16.49-25.24%. 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
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
| | Our Review: With 1.5% cash back and no annual fee, does Chase Freedom Unlimited live up to the hype? Read this in-depth review to see how it stacks up... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 0% for 15 months | 16.49% - 25.24% Variable | $0 |
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At American Express' Secure Site | | - $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 14.49% to 25.49%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- 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
| | | | Our Review: If you want a cash back credit card with the same rewards categories year-round and no annual fee, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on Purchases for 15 months | 0% on Balance Transfers for 15 months | 14.49% - 25.49% Variable | $0 |
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At American Express' 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 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
- $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
- 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.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- Terms Apply.
- See Rates & Fees
| | | | Our Review: If you tend to charge at least 20 purchases a month on your credit card, you may want to consider switching to the Amex EveryDay® Credit Card from American Express. Read on for the reasons why the rewards credit card may be a good addition to your wallet... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on purchases for 15 months | 0% on balance transfers for 15 months | 14.49% - 25.49% Variable | $0 |
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At American Express' Secure Site | | - Special Offer: Earn up to $500 cash back
- Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
- Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
- No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
- 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
- 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
- 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
- Terms and limitations apply
- See Rates & Fees
| | | | Our Review: Do you want a simple way to earn cash back with no annual fee? True to its name, the SimplyCash® Plus Business Credit Card from American Express helps small-business owners earn cash back on purchases without having to think much about it. And they can get bonus cash back for purchases in specific categories, which we'll discuss below... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on Purchases for 9 months | N/A | 13.74% - 20.74% Variable | No annual fee |
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At Barclays' Secure Site | | - A low, variable APR on purchases, balance transfers and cash advances
- No annual fee
- No balance transfer fees
- No foreign transaction fees
- Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
- Free online access to FICO® Credit Score
| | Our Review: With a low APR on balance transfers and purchases, no balance transfer fees, and a community-driven approach, the Barclaycard Ring™ Mastercard® might be the world's best social credit card... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 10.49% Variable | $0 |
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At American Express' Secure Site | | - Get rewarded for business as usual. Earn 2X 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*.
- More buying power for your business* means more opportunities to earn points. That's everyday business with the new 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 15 months, then a variable rate, currently 12.74%, 16.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
| | | | Our Review: The Blue Business℠ Plus Credit Card from American Express combines everyday rewards with no annual fee. Keep reading to find out what makes this Amex credit card a right pick for freelancers and growing businesses... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on Purchases for 15 months | 0% on Balance Transfers for 15 months | 12.74% - 20.74% Variable | $0 |
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| U.S. Bank Business Edge™ Platinum offers 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.49% - 19.49%. There is no annual fee. | | | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 12 billing cycles* | 0%* for 12 billing cycles* | 11.49% - 19.49%* (Variable) | $0* |
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At HSBC's Secure Site | | - Earn unlimited 1.5% cash rewards on all purchases.
- Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
- 10% Anniversary Bonus on all Cash Rewards earned once a year.
- No Annual Fee.
- 0% Intro APR for 15 months on balance transfers, then a 14.49%, 18.49% or 24.49% variable APR.
- No Foreign Transaction Fees.
- $0 liability for unauthorized purchases.
- Terms Apply.
- See Rates & Fees
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | 0% Intro APR for 15 months | Variable APR of 14.49%, 18.49% or 24.49% | $0 |
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| U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® offers $200 cash back after you spend $1,000 in eligible net purchases on your card in the first 90 days. This card earns 3% cash back on all cellular, gas and office supply store net purchases. You'll get 1% cash back on all other net purchases. Net purchases are purchases minus credits and returns. There are no cap on total rewards and the rewards never expire. In addition, there is a 25% Annual Cash Rewards bonus, up to $250. There is no annual fee. | | | | Our Review: Earn rewards on purchases in common business categories such as cellular, gas, and at office supply stores with the U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 9 billing cycles* | N/A | 13.49% - 24.49%* (Variable) | $0* |
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| U.S. Bank Business Edge™ Select Rewards offers 20,000 bonus points after you spend $1,000 in net purchases during the first 90 days after opening your account. This card earns 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment. You earn 1 point per dollar on all other net purchases. Net purchases are purchases minus credits and returns. There is no cap on total points you can earn. There is no annual fee. | | | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 9 billing cycles* | N/A | 13.49% - 24.49%* (Variable) | $0* |
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