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® Cash Rewards credit card - $200 Cash Rewards Bonus Offer

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

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

Unavailable
Please try again later
Why We Like It
Use the bonus category to earn 3% cash back at grocery stores and wholesale clubs. $200 cash bonus when you make at least $1,000 in purchases in the first 90 days.
Rewards Rate
  • 3% - Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 2% - Earn 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 1% - Earn unlimited 1% cash back on all other purchases
Annual Fee
  • $0
Unavailable
Please try again later

Benefits & Key features

  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
See Terms
Intro APR
(Balance Transfer)
See Terms
Regular APR
See Terms
Annual Fee
$0

BankAmericard® credit card

BankAmericard® credit card

BankAmericard® credit card

Unavailable
Please try again later
Why We Like It
Long introductory-APR period for both purchases and balance transfers
Rewards Rate
  • None -
Annual Fee
  • $0
Unavailable
Please try again later

Benefits & Key features

  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
See Terms
Intro APR
(Balance Transfer)
See Terms
Regular APR
See Terms
Annual Fee
$0

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Learn More
on creditcards.com's secure website.
Why We Like It
With a 15 month introductory period of 0% APR on balance transfers and purchases as well as attractive cash back rewards, this card is a must-have
Rewards Rate
  • 3% - Earn 3% cash back at U.S. supermarkets
  • 2% - Earn 2% at gas stations and department stores
  • 1% - Earn 1% on all other purchases
Annual Fee
  • $0
Learn More
on creditcards.com's secure website.

Benefits & Key features

  • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. 
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is awarded as Reward Dollars that can be redeemed as a statement credit, gift cards, or merechandise.
  • A Credit Card that gives you cash back with a 0% Intro APR Offer on purchases and balance transfers for 15 months.
  • After that, your APR will be a variable rate, currently 12.99%-21.99% based on your creditworthiness and other factors.
  • No Annual Fee.
  • Terms and restrictions apply.

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
0%
15 months
Intro APR
(Balance Transfer)
0%
15 months
Regular APR
13.99% - 24.99%
(Variable)
Annual Fee
$0

American Express Cash Magnet® Card

American Express Cash Magnet® Card

American Express Cash Magnet® Card

Learn More
on creditcards.com's secure website.
Why We Like It
1.5% cash back on all purchases and a generous 15 month period of 0% APR on purchases and balance transfers
Rewards Rate
  • 1.5% - Get a flat 1.5% cash back on all purchases
Annual Fee
  • $0
Learn More
on creditcards.com's secure website.

Benefits & Key features

  • Receive a $150 bonus when you spend at least $1,000 in purchases with 3 months of opening a new card.
  • Get 1.5% Cash Back on all purchases.
  • Cash back can be redeemed for statement credits, gift cards, or merchandise. 
  • A Cash Back card with a 0% introductory APR for the first 15 months on purchases and balance transfers.
  • After that, your APR will be a variable rate, currently 13.99% - 24.99% based on your creditworthiness and other factors.
  • More and more businesses are accepting American Express® Cards.
  • No annual fee.
  • Terms and Restrictions apply. 

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
0%
15 months
Intro APR
(Balance Transfer)
0%
15 months
Regular APR
13.99% - 24.99%
(Variable)
Annual Fee
$0