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3 Great No Annual Fee Credit Cards

3 Great No Annual Fee Credit Cards

Editorial Disclosure: Editorial content, including card comparisons and card reviews are not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. may be compensated through Affiliate Programs for referrals.

• Posted: August 04, 2015 • Updated: October 22, 2018

Are you overwhelmed by all of the credit card options out there?  Worry no longer!  We’ve compiled a list of our pick for the top 3 no annual fee credit cards.  There’s a credit card with fantastic benefits to suit even the pickiest comparison shopper: 

1. Bank of America® Cash Rewards

The Bank of America® Cash Rewards Credit Card offers a generous rewards program that gives users 1% cash back on every purchase, 2% at grocery/wholesale stores and 3% on gas for the first $2,500 in combined grocery/gas purchases each quarter. If you have a Bank of America® checking or savings account, the rewards are even better—you’ll earn a 10% customer bonus each time you redeem your cash back into your Bank of America® account.    
BofA Cash Rewards

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Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

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Card Highlights:
BofA Cash Rewards
  • No annual fee
  • NEW OFFER: $200 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, 15.24% - 25.24% 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

2. Citi Simplicity® 2. Citi Simplicity®

Everyone hates being charged fees which is one reason you’ll love the Cit Simplicity®, from our partner Cit®,- NO FEES!  Not only is there no annual fee, but you also won’t be charged for late payments or experience a penalty rate EVER.  Furthermore, for the first 18 months, you’ll receive a 0% APR on balance transfers and purchases.  This card is a great choice if you want assurance that should you forget to pay your balance one month, you won’t be penalized!   

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Citi Simplicity® Card - No Late Fees Ever

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Card Highlights:
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • 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
3. Capital One® VentureOne® Rewards 3. Capital One® VentureOne® Rewards

If you love to travel, this is the card for you!  When you spend $1,000 on purchases in the first 3 months, you’ll earn 20,000 miles which are equivalent to $200 in travel.  Additionally, cardholders receive 1.25 miles for each dollar they spend.  The miles never expire, there’s no limit to how many you can earn, and there are no travel blackout dates!  Miles can be used for airline tickets, hotels, cruises, and rental cars, and when you get to your destination, you won’t be charged foreign transaction fees.  Maybe it’s time to start packing your suitcase!  

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Capital One® VentureOne® Rewards Credit Card

Apply Now

Card Highlights:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

To view our full selection of No Annual Fee credit cards, Click Here >>

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