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.
Top Picks
Credit Score
Intro Offer
Cash Back
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)
On Capital One®'s website
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
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- No rotating categories or sign-ups needed to earn cash rewards
- Cash back won't expire for the life of the account and there's no limit to how much you can earn
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
Credit Score
Intro Offer
$200
online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee
$0
Rewards Rate
2% cash back on all purchases for the first year from account opening
Foreign Fee
3%
Purchase APR
0%
Balance Transfer
0%
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
On Bank of America's website
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
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- No annual fee.
- Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 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.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Credit Score
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
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
On Capital One®'s website
- 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
- 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
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- No rotating categories or sign-ups needed to earn cash rewards
- Cash back won't expire for the life of the account and there's no limit to how much you can earn
- No foreign transaction fee
- No annual fee
- You're covered by $0 Fraud Liability for unauthorized charges
- Top rated mobile app
Credit Score
Intro Offer
10,000
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Annual Fee
$0
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
19.49%-28.49% Variable
On American Express Consumer Cards's website
- Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
- No Annual Fee.
- Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
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- Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
- Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
- No Foreign Transaction Fees.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Credit Score
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0%
Balance Transfer
0%
Regular APR
14.99% - 25.99% Variable APR on purchases and balance transfers
On Bank of America's website
- New! 0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Credit Score
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0%
Balance Transfer
0%
Regular APR
14.99% - 25.99% Variable APR on purchases and balance transfers
On Bank of America's website
- New! 0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
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- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.