No Annual Fee Credit Cards
A card does not need an annual fee to offer useful rewards and benefits. Compare cards with no annual fee to find cash back, travel rewards, and everyday features without paying to keep the account open.
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Top Picks
Mastercard
Rewards
No Annual Fee
No Foreign Fees
Gas
Dining
Credit Score
680
720
Good
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)
- 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
Rates & fees apply. View the
Rates & Fees.
VISA
Cash Back
Rewards
Balance Transfer
No Annual Fee
0% Intro APR
Student
Credit Score
680
850
Good - Excellent
Intro Offer
$250
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
1.5% cash back on all purchases
Foreign Fee
3%
Purchase APR
0%
Balance Transfer
0%
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
- Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
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- No annual fee.
- Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
- 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.
Rates & fees apply. See issuer's website for full terms.
Mastercard
Rewards
No Annual Fee
No Foreign Fees
Dining
Credit Score
680
720
Good
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)
- 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
Rates & fees apply. View the
Rates & Fees.
AMEX
Rewards
Travel
No Annual Fee
No Foreign Fees
Credit Score
680
850
Good - Excellent
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
Apply Now
On American Express Consumer Cards's secure website
Terms apply. Approval is not guaranteed.
- 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.
Rates & fees apply. View the
Rates & Fees.
Mastercard
No Annual Fee
0% Intro APR
Credit Score
680
850
Good - Excellent
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
- 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.
Rates & fees apply. See issuer's website for full terms.
Mastercard
No Annual Fee
0% Intro APR
Credit Score
680
850
Good - Excellent
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
- 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.
Rates & fees apply. See issuer's website for full terms.
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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