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:

HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card

HSBC Cash Rewards Mastercard® credit card

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Excellent/Good Credit
Why We Like It
Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
Rewards Rate
  • 10% - 10% anniversary bonus on all cash rewards earned once a year
  • 1.5% - Earn unlimited 1.5% cash rewards on all purchases
Annual Fee
  • $0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

Excellent/Good

Credit Needed
680
850
Intro APR
(Purchases)
0%
Introductory APR on credit card purchases for the first 12 months from account opening
Intro APR
(Balance Transfer)
0%
Introductory APR on balance transfers for the first 12 months from account opening
Regular APR
15.24%, 19.24% or 25.24%
Variable APR will apply after the Introductory Period
Annual Fee
$0

Capital One® SavorOne℠ Cash Rewards Credit Card

Capital One® SavorOne℠ Cash Rewards Credit Card

Capital One® SavorOne℠ Cash Rewards Credit Card

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Excellent/Good Credit
Why We Like It
$150 cash rewards after spending $500 in the first 3 months
Rewards Rate
  • 3% - Earn unlimited 3% cash back on dining and entertainment
  • 2% - Earn 2% at grocery stores
  • 1% - Earn 1% on all other purchases
Annual Fee
  • $0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

Excellent/Good

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
0%
for 15 months
Regular APR
16.24% - 26.24%
(Variable)
Annual Fee
$0

Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

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Excellent/Good Credit
Why We Like It
20,000 miles after spending $1,000 on purchases in the first 3 months
Rewards Rate
  • 10X - Earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • 1.25X - Earn 1.25X miles on every purchase, every day
Annual Fee
  • $0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • $0 annual fee and no foreign transaction fees
  • Earn a 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
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Excellent/Good

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 12 months
Intro APR
(Balance Transfer)
N/A
Regular APR
14.24% - 24.24%
(Variable)
Annual Fee
$0

Citi Rewards+ Card

Citi Rewards+<sup>&#8480;</sup> Card

Citi Rewards+ Card

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Excellent/Good Credit
Why We Like It
15,000 bonus points after you spend $1,000 in purchases with your card within 3 months
Rewards Rate
  • 2X - Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
  • 1X - Earn 1X Points on All Other Purchases.
Annual Fee
  • $0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • 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
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year

Excellent/Good

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
0%
for 15 months
Regular APR
15.49% - 25.49%
(Variable)
Annual Fee
$0