No Annual Fee Credit Cards
You don't have to pay to play. The best no-annual-fee credit cards still offer strong rewards, solid cash back rates, and valuable benefits — without charging you just to keep the card. We've compared the top options so you can earn more and pay nothing.
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Top Picks
VISA
Cash Back
Rewards
Travel
Balance Transfer
No Annual Fee
0% Intro APR
Gas
Credit Score
680
850
Good - Excellent
Intro Offer
$200 cash back
See website for Details*
Annual Fee
$0
Rewards Rate
Up to 5%
Foreign Fee
3% of each transaction in U.S. dollars
Purchase APR
0% for 15 mo
Balance Transfer
0% for 15 mo
Regular APR
18.24% - 27.74% Variable
Apply Now
On Chase's website
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
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- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Rates & fees apply. View the
Rates & Fees.
Mastercard
Cash Back
Rewards
Travel
Balance Transfer
No Annual Fee
Gas
Dining
Credit Score
680
850
Good - Excellent
Intro Offer
$200 cash back
Annual Fee
$0
Rewards Rate
Up to 5%
Foreign Fee
3%
Purchase APR
N/A
Balance Transfer
0% for 18 mo
Regular APR
17.49% - 27.49% (Variable)
Apply Now
On Citi's website
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
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- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Rates & fees apply. View the
Rates & Fees.
Mastercard
Rewards
Travel
Balance Transfer
No Annual Fee
No Foreign Fees
0% Intro APR
Dining
Credit Score
680
850
Good - Excellent
Intro Offer
Earn $200 Cash Back
after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Foreign Fee
0%
Purchase APR
0% for 12 mo
Balance Transfer
0% for 12 mo
Regular APR
18.49% - 28.49% (Variable)
Apply Now
On Capital One®'s website
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
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- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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 and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
Mastercard
Rewards
Travel
No Annual Fee
No Foreign Fees
Credit Score
680
720
Good
Intro Offer
Miles
Annual Fee
$0
Rewards Rate
1.25 Miles per dollar on every purchase, every day
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- $0 annual fee and no foreign transaction fees
- Earn 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
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- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
Mastercard
Rewards
Travel
Balance Transfer
No Annual Fee
0% Intro APR
Gas
Credit Score
680
850
Good - Excellent
Intro Offer
$1,000
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0% for 15 mo
Balance Transfer
0% for 15 mo
Regular APR
18.49% - 28.49% (Variable)
Apply Now
On Citi's website
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
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- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
Rates & fees apply. View the
Rates & Fees.
Mastercard
Rewards
No Annual Fee
No Foreign Fees
Gas
Credit Score
300
620
Bad - Limited
Annual Fee
$0
Rewards Rate
1.5% Cash Back on every purchase, every day
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
Apply Now
On Capital One®'s website
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
Mastercard
No Annual Fee
Credit Score
300
680
Bad - Fair
Annual Fee
See terms
Foreign Fee
3% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90% Fixed
Apply Now
On The Bank of Missouri's website
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
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- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.
Rates & fees apply. See issuer's website for full terms.
Mastercard
Rewards
Travel
Balance Transfer
No Annual Fee
No Foreign Fees
0% Intro APR
Credit Score
680
850
Good - Excellent
Intro Offer
Earn 20000 Miles
once you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Rewards Rate
1.25 Miles per dollar on every purchase, every day
Foreign Fee
0%
Purchase APR
0% for 15 mo
Balance Transfer
0% for 15 mo
Regular APR
18.49% - 28.49% (Variable)
Apply Now
On Capital One®'s website
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
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- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
Rates & fees apply. View the
Rates & Fees.
VISA
Rewards
Travel
Balance Transfer
No Annual Fee
No Foreign Fees
0% Intro APR
Credit Score
680
850
Good - Excellent
Intro Offer
25,000
online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Annual Fee
$0
Rewards Rate
1.5 points per $1 spent on everyday purchases
Foreign Fee
0%
Purchase APR
0%
Balance Transfer
0%
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
Apply Now
On Bank of America's website
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
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- 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Rates & fees apply. See issuer's website for full terms.
Mastercard
Balance Transfer
No Annual Fee
0% Intro APR
Credit Score
680
850
Good - Excellent
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0% for 12 mo
Balance Transfer
0% for 21 mo
Regular APR
16.49% - 27.24% (Variable)
Apply Now
On Citi's website
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
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- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
Rates & fees apply. View the
Rates & Fees.
Editorial Note: Opinions expressed here are the author's alone. This content has not been reviewed, approved, or otherwise endorsed by any credit card issuer. Rates and fees are subject to change; always verify on the issuer's website.
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