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Credit cards with no annual fee 2022

Compare over 70 no-annual-fee credit cards.

Compare credit cards with no annual fee

Use our table to compare credit cards without an annual fee. To begin, select your credit score, select the features you want and the rewards type. Select a specific card issuer if you have one in mind or select all providers and browse through the selection of cards.

Name Product Annual fee Balance transfer APR Purchase APR Filter values
Capital One Quicksilver Cash Rewards Credit Card
$0
0% intro for the first 15 months (then 14.99% to 24.99% variable)
0% intro for the first 15 months (then 14.99% to 24.99% variable)
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Capital One VentureOne Rewards Credit Card
$0
0% intro for the first 15 months (then 14.99% to 24.99% variable)
0% intro for the first 15 months (then 14.99% to 24.99% variable)
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Blue Cash Everyday® Card from American Express
$0
N/A
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Delta SkyMiles® Blue American Express Card
$0
N/A
15.74% to 24.74% variable
Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Terms apply, see rates & fees
Capital One SavorOne Cash Rewards Credit Card
$0
0% intro for the first 15 months (then 14.99% to 24.99% variable)
0% intro for the first 15 months (then 14.99% to 24.99% variable)
3% cash back on dining, entertainment, streaming services and grocery stores (excluding superstores like Walmart and Target), plus 1% on all other purchases. 8% cash back at Vivid Seats through January 2023
Capital One Platinum Secured Credit Card
$0
26.99% variable
26.99% variable
A no-annual-fee secured card that separates itself from the pack with a $200 credit limit after making a more affordable than average deposit of $49, $99 or $200.
Chase Freedom Unlimited®
$0
0% intro for the first 15 months (then 14.99% to 23.74% variable)
0% intro for the first 15 months (then 14.99% to 23.74% variable)
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Chase Freedom Flex℠
$0
0% intro for the first 15 months (then 14.99% to 23.74% variable)
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Capital One Platinum Credit Card
$0
26.99% variable
26.99% variable
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
Journey Student Rewards from Capital One
$0
26.99% variable
26.99% variable
Earn 1% cash back on all purchases or get 1.25% cash back for months you pay on time.
Upgrade Card
$0
N/A
8.99% to 29.99% variable
A smarter way to pay. No fees Credit lines from $500 to $25,000 Use wherever Visa® is accepted
Tomo Credit Card
$0
N/A
N/A
A credit-building card with no fees, no APR, and no credit check.
Petal® 2
$0
N/A
12.99% to 26.99% variable
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
Upgrade Cash Rewards Card
$0
N/A
8.99% to 29.99% variable
Unlimited 1.5% cash back on payments
Upgrade Bitcoin Rewards
$0
N/A
8.99% to 29.99% variable
Unlimited 1.5% back in bitcoin
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
$0
12.9% to 22.9% variable
0% intro for the first 12 months (then 12.9% to 22.9% variable)
Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days
Credit One Bank® Platinum Rewards Visa with No Annual Fee
$0
N/A
23.99% variable
A 2% cashback credit card with no annual fee for applicants with excellent credit. Earn 2% back on eligible gas, groceries, mobile phone, internet, cable and satellite TV services.
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The best no-annual-fee credit cards of 2022

It can be overwhelming to compare too many credit card options. To help you narrow your search, Finder’s credit card experts chose the best credit cards without an annual fee.

How to compare no-annual-fee credit cards

There are so many great no-annual-fee cards out there that it can be hard to choose the right one. To help you narrow down your options, here’s what to consider:

  • Rewards program. Many no-annual-fee cards come with a rewards program. You can either get a card with a high cashback rate on select categories like travel, dining, groceries or gas, or you can get a card with the same rewards rate on all purchases.
  • Interest-free period. A 0% intro APR period on purchases, balance transfers or both is a common feature of no-annual-fee credit cards. You can get up to 15 months of an interest-free period with a rewards credit card or up to 20 months with a card with no rewards program.
  • Signup bonus. A signup bonus can give you a burst of rewards soon after you’re approved for a card. Many no-annual-fee cards have bonuses worth between $50 and $300, and some cards even more.
  • Choices depend on your credit score. Your credit score has a big effect on which cards you’ll be approved for. For rewards cards and products with intro APRs, you’ll usually want to apply with a good to excellent credit score of 670 or higher. If your score is lower than that, consider a no-annual-fee secured credit card to build your credit.

No-annual-fee cards by bank

American Express
  • Blue Cash Everyday® Card from American Express (Terms apply, see rates & fees)
  • American Express Cash Magnet® Card
  • Hilton Honors American Express Card (Terms apply, see rates & fees)
  • Delta SkyMiles® Blue American Express Card (Terms apply, see rates & fees)
  • Blue from American Express® Card
  • Amex EveryDay® Credit Card
Bank of America
  • Bank of America® Customized Cash Rewards
  • Bank of America® Travel Rewards Credit Card
  • Norwegian Cruise Line® World Mastercard®
  • Susan G. Komen® Cash Rewards Visa®
  • MLB® Credit Card
  • World Wildlife Fund Credit Card
  • U.S. Pride® Credit Card
  • Royal Caribbean® Visa Signature® Credit Card
  • Celebrity Cruises® Visa Signature® Credit Card
  • BankAmericard® Secured Credit Card
  • Bank of America® Customized Cash Rewards for Students
  • Bank of America® Travel Rewards for Students
Barclaycard
  • RCI Elite Rewards® Mastercard®
  • Diamond Resorts World Mastercard®
  • Holland America Line Rewards Visa® Card
  • JetBlue Card
  • Barnes & Noble Mastercard®
  • Carnival® World Mastercard®
  • Choice Privileges® Visa Signature® Card
  • NFL Extra Points Credit Card
  • Priceline Rewards™ Visa® Card
  • Princess Cruises Rewards Visa® Card
  • Upromise® Mastercard®
  • Wyndham Rewards® Earner℠ Card
Chase
  • Chase Freedom Unlimited®
  • Chase Freedom Flex℠
  • Marriott Bonvoy Bold® credit card
  • IHG® Rewards Club Traveler Credit Card
  • United Gateway℠ Card
  • Amazon Prime Rewards Visa Signature Card
  • Disney® Visa® Card
  • AARP® Credit Card from Chase
Capital One
  • Capital One Platinum Credit Card
  • Capital One VentureOne Rewards Credit Card
  • Capital One Quicksilver Cash Rewards Credit Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Journey Student Rewards from Capital One
  • Capital One Platinum Secured Credit Card
  • Walmart Rewards™ Mastercard®
Citi
  • Citi Rewards+® Card
  • Citi® Double Cash Card
  • Citi Simplicity® Card
  • Expedia® Rewards CARD from Citi
  • AT&T Access Card from Citi
  • Citi® Secured Mastercard®
  • Citi® Diamond Preferred® Card
Discover
  • Discover it® Cash Back
  • Discover it® Chrome Gas & Restaurant Card
  • Discover it® Miles Travel Credit Card
  • Discover it® Student Cash Back
  • Discover it® Chrome for Students
  • Discover it® Secured
  • NHL Discover it® Card
PenFed
  • PenFed Power Cash Rewards Visa Signature® Card
  • PenFed Platinum Rewards Visa Signature® Card
  • PenFed Gold Visa® Card
TD Bank
  • TD Cash Credit Card
US Bank
  • U.S. Bank Cash+™ Visa Signature® Card
  • U.S. Bank Visa® Platinum Card
Wells Fargo
  • Wells Fargo Platinum Card
  • Wells Fargo Cash Wise Visa® Card
  • Wells Fargo Propel American Express® Card
  • Wells Fargo Visa Signature® Card
  • Wells Fargo Rewards® Card
  • Wells Fargo Cash Back College℠ Card

What is an annual fee?

An annual fee is a yearly cost to keep a credit card. If your card has one, the annual fee is charged automatically each year, typically during the month you opened your account.

With a no-annual-fee card, you won’t have to pay this cost, which helps you minimize the expense of owning a credit card.

Annual fees typically range from as low as $30 to as high as $550. Some providers waive the annual fee in the first year, giving cardholders 12 months to enjoy their cards at no cost. That said, a card with an annual fee typically comes with more perks and benefits that can offset the fee.

When is paying an annual fee worth it?

Typically, paying an annual fee can be justified for those who spend heavily on a particular category that offers the highest rewards. For example, the Blue Cash Everyday® Card from American Express earns 3% back at US supermarkets on up to $6,000 annually and 1% after that. On the other hand, the Blue Cash Preferred® Card from American Express earns much higher rewards in the same category, but charges an annual fee. The Blue Cash Preferred® offers 6% back at U.S. supermarkets on up to $6,000 per year, then 1%, and you can redeem rewards for a statement credit. However, the card costs $$95 annually (Terms apply, see rates & fees) after your first year.

Here’s how both compare:

Annual spendingBlue Cash Everyday cash backBlue Cash Preferred cash back
$6,000 on US supermarkets$180$360 cash back
$3,000 on gas$60$90
$300 on streaming services$3$18
$1,500 at department stores$30$15
Annual fee cost$0–$95
Total cash back after paying the annual fee$273$388

Who should get a no-annual-fee credit card?

Whether you choose a no-annual-fee credit card depends on what you need out of your card financially. Here’s a quick rundown of whether you might apply for one.

Get a no-annual-fee credit card if:

  • You only plan on using your card occasionally. Having a card that features an annual fee but only using that card occasionally is often a needless drain on your wallet.
  • You want a card to help you build credit. It’s helpful to get a card without an annual fee if you’re focused on building credit and you don’t want your card to get in the way of your finances.
  • You’re not interested in numerous perks and features. While cards with annual fees typically more than make up for their fees with their perks, you’ll be paying that fee for no reason if you don’t often use your card’s extra features.

Pick something else if:

  • You plan on using your card’s perks and features. So long as you’re using those extra perks that come with your annual fee card, you’ll usually more than make up for the card’s cost.
  • You have no other choice and you need to build credit. Sometimes an annual fee is the “buy-in” cost of a credit-building card when you have poor credit. In this case, it can make sense to pay the annual fee, especially if you couldn’t easily build credit otherwise.

Are there no-annual-fee credit cards with rewards?

Yes, a lot of no-annual-fee credit cards offer rewards. Depending on the card, you can earn cash back, points or travel miles. For example, the Chase Freedom Flex℠ offers 5% cash back in rotating categories on up to $1,500 in combined purchases each activated quarter (1% after reaching the cap), 5% on travel purchased through Chase, 3% on dining and drugstores and 1% on all other purchases.

Bottom line

A no-annual-fee card can help you keep costs down. It can also offer great rewards and benefits you didn’t expect.

If you want more options, there are plenty of credit cards to compare. Check out our guide to the best credit cards of 2021.

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