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No Annual Fee

No Annual Fee Credit Cards

Save Money with Credit Cards with No Annual Fees
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.


Blue Cash Everyday Card from American Express
Read ReviewApply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Earn $200 back 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% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • 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, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
$0

Ink Business Cash Credit Card
Read ReviewApply for Ink Business Cash Credit Card
At Chase's Secure Site
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases
Our Review: Read this in-depth Ink Business Cash review before you apply. With no annual fee, small business owners can earn cash rewards fast, but is it right for you?... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
N/A
13.24% - 19.24% Variable
$0

Ink Business Unlimited Credit Card
Read ReviewApply for Ink Business Unlimited Credit Card
At Chase's Secure Site
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Our Review: Chase Ink Business Unlimited card offers a huge sign-up bonus, 1.5% cash back on all purchases, and no annual fee. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
N/A
13.24% - 19.24% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months from date of account opening
N/A
13.24% - 19.24% Variable
No annual fee


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 12 months from date of account opening
N/A
13.24% - 19.24% Variable
No annual fee

American Express Cash Magnet Card
Read ReviewApply for American Express Cash Magnet Card
At American Express' Secure Site
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you'd like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Our Review: American Express Cash Magnet® Card gives you unlimited 1.5% cash back on your purchases. Is it a good card? Read on to see how it stacks up... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 15 months
N/A
13.99% - 23.99% Variable
$0

Hilton Honors American Express Card
Read ReviewApply for Hilton Honors American Express Card
At American Express' Secure Site
  • Earn 100,000 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.
  • Plus, earn a $100 statement credit after your first purchase on the Hilton Honors Card within your first 3 months.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • 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
Our Review: Hilton Honors American Express Card is a popular hotel credit card. So what's the catch? Read on to see if the Hilton AMEX is worth applying for... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.74% - 24.74% Variable
$0


$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 20 billing cycles*
0%* for 20 billing cycles*
9.99% - 17.99%* (Variable)
$0*


Introductory Bonus Cash BackCash Back Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Intro APR for 12 months
0% Intro APR for 12 months
Variable APR of 13.99% - 22.99% will apply after the Introductory Period
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months on qualifying balance transfers
14.49% - 24.99% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 18 months
0% for 18 months on qualifying balance transfers
16.49% - 24.49% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months on qualifying balance transfers
14.49% - 24.99% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Introductory APR on purchases for 15 billing cycles
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
13.99% - 23.99% Variable APR on purchases and balance transfers
$0


Read Review
Our Review: Bank of America Travel Rewards gives you 1.5x points for every purchase. But does it make a good travel reward card? Read on... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Introductory APR on purchases for 12 billing cycles
N/A
14.99% - 22.99% Variable APR on purchases and balance transfers
$0


Introductory Bonus Cash BackCash Back RewardsBonus Cash BackGas RewardsOffice RewardsNo Expiration on RewardsNo Limits on Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 15 billing cycles*
0%* for 15 billing cycles*
11.99% - 22.99%* (Variable)
$0*


Introductory Bonus OfferPoint RewardsNo Limits on Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 9 billing cycles*
N/A
11.99% - 22.99%* (Variable)
$0*


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Introductory APR on purchases for 18 billing cycles
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
12.99% - 22.99% Variable APR on purchases and balance transfers
$0

Delta SkyMiles Blue American Express Card
Apply for Delta SkyMiles Blue American Express Card
At American Express' Secure Site
  • Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months.
  • No Annual Fee.
  • Earn 2X Miles per dollar at restaurants, now worldwide.
  • Earn 2X Miles per dollar spent on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • No Foreign Transaction Fees.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
  • See Rates & Fees
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.74% - 24.74% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Intro APR for 18 months
0% Intro APR for 18 months
Variable APR of 13.99% - 22.99% will apply after the Introductory Period
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 billing cycles
N/A
12.24% - 22.24% Variable APR on purchases and balance transfers
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 billing cycles
N/A
12.24% - 22.24% Variable APR on purchases and balance transfers
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 7 billing cycles
N/A
10.24% - 21.24% Variable APR on purchases and balance transfers
$0


Read Review
Our Review: With bonus cash back, low interest rate and no annual fee, Discover It is a good card for many. Is it right for you? Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 21 months*
14.74% - 24.74%* (Variable)
$0*


Read Review
Our Review: With a $200 cash back offer 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 PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
N/A
14.99% - 23.74% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 21 months*
14.74% - 24.74%* (Variable)
$0*


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 15 months
N/A
12.99% - 23.99% Variable
$0


Read Review
Our Review: With no annual fee and the opportunity to earn cash back twice, the Citi Double Cash card beats out many cashback credit cards. But are there catches? Read on for the full details... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0%* for 18 months*
13.99% - 23.99%* (Variable)
$0*


Read Review
Our Review: If you have credit card debt, Chase Slate's no balance transfer fee promotion and introductory APR offer is tempting. But is there a catch? Read this review before transferring your balance... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
14.99% - 23.74% Variable
$0


Read Review
Our Review: College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It Student Cash Back. With the combined generous rewards program, intro APR on new purchases and no late fee on the first late payment, it's clear to see why this Discover student credit card is among the most popular offers for college students on the market today... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
26.99% (Variable)
$0


Read Review
Our Review: Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cash back with no rotating bonus categories or annual fees. Read on to find out if it's worth having... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% intro on purchases for 15 months
N/A
15.49% - 25.49% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% intro on purchases for 12 months
N/A
15.49% - 25.49% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
26.99% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 months
N/A
13.99% - 23.99% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 months
N/A
13.99% - 23.99% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 14 months
0% for 14 months
11.99% - 22.99% Variable
$0


Read Review
Our Review: Discover it Miles rewards users with 1.5x miles and no annual fee (a rarity among travel credit cards). Plus, as a promotion, the card will match the miles you earn at the end of your first year... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 14 months
10.99% for 14 months
11.99% - 22.99% Variable
$0


Read Review
Our Review: Capital One Platinum Credit Card is a no-frills, no annual fee credit card for people with average credit. Read this review before you apply... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
24.99% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
26.99% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
10.99% for 6 months
22.99% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
22.49%* (Variable)
$0


Read Review
Our Review: The Citi Costco card offers high cash back for gas and Costco purchases, but there are limitations to know before you apply. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.24%* (Variable)
$0

Disclaimer: The information for the American Express Blue Business Cash™ Card, The Blue Business® Plus Credit Card from American Express, U.S. Bank Business Platinum, HSBC Cash Rewards Mastercard® credit card, Wells Fargo Cash Wise Visa® card, Wells Fargo Platinum Visa card, Wells Fargo Propel American Express® card, Bank of America® Cash Rewards credit card, Bank of America® Travel Rewards credit card, U.S. Bank Business Cash Rewards World Elite™ Mastercard®, U.S. Bank Business Select Rewards Card, BankAmericard® credit card, HSBC Gold Mastercard® credit card, Bank of America® Business Advantage Cash Rewards Mastercard® credit card, Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, Bank of America® Platinum Plus® Mastercard® Business card, Discover it® Cash Back, Citi Simplicity® Card, Chase Freedom Unlimited®, Citi Diamond Preferred® Card, Amex EveryDay® Credit Card from American Express, Citi® Double Cash Card, Chase Slate, Discover it® Student Cash Back, Spark Classic from Capital One, Capital One Quicksilver Cash Rewards Credit Card, Capital One VentureOne Rewards Credit Card, Journey Student Rewards from Capital One, Capital One Spark Cash Select for Business, Spark Miles Select from Capital One, Discover it® chrome, Discover it® Miles, Capital One Platinum Credit Card, Secured Mastercard® from Capital One, Discover it® Student chrome, Discover it® Secured, Citi® Secured Mastercard®, and Costco Anywhere Visa® Card by Citi 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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About CreditDonkey
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.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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