Best No Annual Fee Credit Cards

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Paying an annual fee on your credit card can be worth the cost if you earn more with rewards. However, if you’re looking to keep your fees low or just want another line of credit, you can’t beat an annual fee of $0.

Citi® Double Cash Card – 18 month BT offer

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4.9/5.0 from 318 Offer Ratings
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The Citi Double Cash Credit Card is the perfect card for earning cash back on all purchases without having to follow category restrictions throughout the year. What makes this card so unique is the ability for consumers to earn additional cash back just for making on-time payments. With this card, you’re basically earning double cash back for doing what you already do on a monthly basis; making purchases and paying your bill. What’s more, you don’t need to enroll in any program and there’s no cap on the cash back you can earn.


Cardmembers will also enjoy an intro APR of 0% for 18 months on Balance Transfers. The on-going interest rate is 13.99% – 23.99% (Variable) based on your creditworthiness and you pay no annual fee.

Discover it® Cash Back

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When it comes to cash-back credit cards the Discover it® Cash Back is in a league of its own. 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically Enjoy Discover's sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. That means if you earn $300 in cash back in your first year, Discover will match it, making your total cash back for the year $600! Log into your Discover account each quarter to activate the 5% cash-back bonus. The popular spending categories include gas stations, wholesale clubs, grocery stores, restaurants and Amazon.com. With your first-year sign-up bonus, take home an incredible 10% cash back on category spending. Finance purchases with an intro APR of 0% for 14 months, then 11.99% - 22.99% Variable APR after that. Get all this for $0 annual fee.

BankAmericard® credit card

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If you're looking for a break on interest, check out this top-tier $0 annual fee card. Finance a new purchase with generous 0% Intro APR for 18 billing cycles for purchases then 12.99% - 22.99% Variable APR after that intro period is up - that means no monthly interest charges will pile up for almost two years if you end up carrying a balance month-to-month. Plus, this card also helps you stop paying high interest charges on an outstanding balance with 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR after that. And unlike some other cards, there is no penalty APR. That means a late payment won’t automatically raise your interest rate. The balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater. This card might not have a huge suite of flashy rewards, but if you're looking to save money on interest charges the BankAmericard® credit card is hard to beat.

Citi® Diamond Preferred® Card

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Best Low Interest Card with No Annual Fee - For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi® Diamond Preferred® Card, from our partner Citi, card could be a great choice for you. This card offers an incredible intro APR of 0% for 18 months on Balance Transfers and 0% for 18 months on Purchases along with no annual fee. Not only is the regular APR of 14.74% - 24.74% (Variable) highly competitive amongst other offers, but the Citi® Diamond Preferred® Card also offers a multitude of cardholder perks. This card offers $0 liability on unauthorized purchases and Citi® Identity Theft Solution which can give you peace of mind while you shop. Cardholders will also have free access to their FICO® Scores. Overall, the Citi® Diamond Preferred® Card is a great offer for anyone looking for a simple credit card that offers a long 0% intro APR and no annual fee.

Bank of America® Customized Cash Rewards credit card

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The Most Flexible Cash Back Card - The Bank of America® Customized Cash Rewards credit card is one of our favorites because it offers something pretty uncommon among rewards cards – choice. Its three-tiered rewards program gives 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. And since you can switch up that 3% category each month, from travel to dining to online shopping, you can have an unprecedented amount of control over how you earn your rewards. Couple that with a long period of 0% Intro APR for 15 billing cycles for purchases and 13.99% - 23.99% Variable APR after that billing period is over and no annual fee and you have a card that’s hard to ignore. After all, what’s better than getting to take control of your cash back?

Chase Freedom Flex℠

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The Chase Freedom Flex℠ card has made a huge splash in the marketplace with one of the most generous suites of cashback rewards we’ve ever seen: Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. No matter where you use this card, there are almost always opportunities to put cash back in your pocket. Plus, Chase Freedom Flex℠ can also be a great way to finance a large upcoming expense or big-ticket item with 0% Intro APR on Purchases for 15 months and then 14.99% - 23.74% Variable APR after that. That gives you over a year to pay off your purchase without monthly interest charges adding up. And did we mention that this all comes with a very compelling sign-up bonus and $0 annual fee? Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Discover it® Miles

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The Discover it® Miles will match all the miles you earn in the first year. This means that if you earn 35,000 miles, Discover will match it by giving you another 35,000 miles for a total of 70,000 miles. That could turn into a blockbuster travel bonus depending on your spending. With this card, you don’t have to worry about blackout dates or rotating categories. It has automatically earn unlimited 1.5x miles on every dollar of every purchase - with no annual fee.. This card's APR is 0% intro apr for 14 months on purchases, then 11.99% - 22.99% Variable APR, one of the longest 0% intro APR periods for travel cards. There is no annual fee.

Discover it® chrome

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3.7/5.0 from 44 Offer Ratings
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If you like 0% intro APR on purchases and balance transfers for over a year, no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment, the Discover it® chrome credit card comes with everything you want! The APR is 0% intro for 14 months on both purchases and balance transfers, then 11.99% - 22.99% variable. With the Discover it® chrome credit card you can earn cash back on your next road trip with 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. plus, earn unlimited 1% cash back on all other purchases – automatically. Rewards can be redeemed at any time and never expire. As an exclusive offer, Discover will automatically match all the cash back you've earned at the end of your first year of cardmembership. In addition to the host of cash back opportunities, this credit card also offers a free Credit Scorecard with FICO® Credit Score.

Citi Rewards+® Card

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4.2/5.0 from 75 Offer Ratings
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The Only Card That Rounds Up Points to 10% Back - Earn more points on every purchase (even the little ones). The Citi Rewards+® Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. You also get 10% points back for the first 100,000 ThankYou® Points redeemed per year. This attractive new rewards card from Citi includes long intro-periods of zero interest on both purchases and balance transfers and a nice sign-up bonus, all with $0 annual fee. Cardholders Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. There is a low spending requirement to earn the sign-up bonus. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. Take advantage of the intro APR on purchases: 0% for 15 months, then 13.49% - 23.49% (variable) and the intro APR on balance transfers: 0% for 15 months on balance transfers, then 13.49% - 23.49% (variable). Our take? This is a great everyday rewards card.