Advertiser Disclosure

No Annual Fee Credit Cards

It’s becoming increasingly common for credit cards to charge consumers an annual fee, especially for cards that with come with perks or travel rewards. If you’re someone who isn’t interesting in paying for the privilege of using a credit card, don’t worry—there are still excellent credit card options available which won’t charge you an annual fee. Below you’ll find a diverse range of no annual fee credit cards, all of which benefit different types of consumers. The following are our most popular no annual fee credit cards provided by our partners:

Bank of America® Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card
Intro APR for Balance Transfer
N/A
Regular APR
16.49% - 24.49%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.49% - 24.49% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 12 billing cycles
Intro APR
(Balance Transfer)
N/A
Regular APR
16.49% - 24.49%
Variable APR on purchases and balance transfers
Annual Fee
$0

Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card
Intro APR for Balance Transfer
0%
Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
14.74% - 24.74%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 12 billing cycles
Intro APR
(Balance Transfer)
0%
Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
14.74% - 24.74%
Variable APR on purchases and balance transfers
Annual Fee
$0

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
Intro APR for Balance Transfer
0%
intro on balance transfers for 15 months
Regular APR
14.49% - 24.49%
Variable
Annual fee
$0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.49%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
0%
intro on balance transfers for 15 months
Regular APR
14.49% - 24.49%
Variable
Annual Fee
$0

Citi ThankYou® Preferred Card

Citi ThankYou<sup>&reg;</sup> Preferred Card
Intro APR for Balance Transfer
0%
15 months on Balance Transfers*
Regular APR
15.24% - 25.24%*
Variable
Annual fee
$0*
Apply Now
Excellent Credit

Benefits & Key features

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.24% - 25.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

Excellent Credit

Credit Needed
720
850
Intro APR
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
0%
15 months on Balance Transfers*
Regular APR
15.24% - 25.24%*
Variable
Annual Fee
$0*

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity<sup>&reg;</sup> Card - No Late Fees Ever
Intro APR for Balance Transfer
0%*
18 months on Balance Transfers*
Regular APR
15.74% - 25.74%*
Variable
Annual fee
$0*
Apply Now
Excellent/Good Credit

Benefits & Key features

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
  • 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

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%*
for 18 months
Intro APR
(Balance Transfer)
0%*
18 months on Balance Transfers*
Regular APR
15.74% - 25.74%*
Variable
Annual Fee
$0*