No annual fee credit cards |

No annual fee credit cards

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Find travel rewards, cash back, 0% intro APR and more.

A no-annual-fee credit card is a great choice if you want to keep costs low. It can also be surprisingly robust, offering attractive rewards or benefits you might not have expected.

Our pick for no annual fee

Chase Freedom Unlimited®

  • New offer! Double cash back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
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Compare credit cards with no annual fee

You’ll find many great no-annual-fee credit card options in a variety of categories.

Name Product Annual Fee Intro Balance Transfer APR Intro Purchase APR
0% for the first 18 months (then 15.74% to 25.74% variable)
0% for the first 18 months (then 15.74% to 25.74% variable)
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.
0% for the first 12 months (then 12.99% to 17.99% variable)


Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
0% for the first 21 months (then 16.24% to 26.24% variable)
0% for the first 12 months (then 16.24% to 26.24% variable)
Enjoy a 0% intro APR for 21 months on balance transfers and for 12 months on purchases.
0% for the first 18 months (then 13.74% to 27.24% variable)
0% for the first 18 months (then 13.74% to 27.24% variable)
Enjoy a 0% intro APR for 18 months on purchases and balance transfers.
UNIFY Financial Credit Union Variable-Rate Visa® Credit Card
UNIFY Financial Credit Union Variable-Rate Visa® Credit Card



No annual fee. Variable rate as low as 7.24% APR.

Compare up to 4 providers

Best no-annual-fee credit cards

Though annual-fee cards tend to offer the best features, you’ll find a wealth of top-notch no-annual-fee cards. Here are our picks for the cream of the crop.

Best no-annual-fee credit cards

Best for flat-rate cash back: Citi® Double Cash Card

Citi® Double Cash Card
As long as you pay off your purchases consistently, this card offers the highest flat-rate cash back for no annual fee. It also offers a stellar intro APR on balance transfers.

Best for travel and no foreign transaction fees: PenFed Pathfinder Rewards American Express® Card

PenFed Pathfinder Rewards American Express® Card
This card offers excellent rewards on travel, especially if you’re a PenFed Honors Advantage member. It also offers an air travel credit and a TSA PreCheck or Global Entry application fee credit — perks you’d typically find only with premium travel cards.

Best for 0% intro APR: Wells Fargo Platinum Card

Wells Fargo Platinum Card
Here, you’ll find a superb intro APR on both purchases and balance transfers. A few cards offer a similar promotional interest rate. However, Wells Fargo’s product lets you qualify for the balance transfer intro APR for up to 120 days after account opening, which is very generous.

Citi Simplicity® Card review

Best for low interest: UNIFY Financial Credit Union Variable-Rate Visa® Credit Card

UNIFY Financial Credit Union Variable-Rate Visa® Credit Card
Consider this card if you have excellent credit and want a low APR. You could receive an APR on all balances as low as 7.24% variable. Also, the product is light on fees — balance transfer fees in particular.

Best for small business: SimplyCash® Plus Business Credit Card from American Express

If your business spends heavily on office supplies, this small-business card can generate stellar rewards. You can also earn great rewards in select categories such as airfare, hotel stays, US restaurants and US gas stations. With a 50,000-per-year cap on bonus rewards, you could earn tremendous cash back in 5% and 3% cashback categories.

Another great small-business pick: The Chase Ink Business Cash℠ Credit Card

Amex’s no-annual-fee business card is a great pick, but it has notable weaknesses. For example, it doesn’t have a welcome offer, and you can’t transfer a balance to it.

The Ink Business Cash℠ Credit Card is a formidable competitor, offering a signup bonus and an intro APR on purchases and balance transfers. It may be a better choice for you.


We compared credit cards on the market with similar benefits and rewards. To assemble our best picks, we chose cards with additional standout features.

  • Best for flat-rate cash back.
    We looked for the card with the highest flat-rate cash back with no annual fee. We assumed a cardholder would pay off their balance consistently without accruing interest.
  • Best for travel and no foreign transaction fees.
    We chose the card that offered the best rewards rate on travel for no annual fee. We gave the PenFed product credit for features that are uncommon in no-annual-fee cards: a signup bonus worth $250, an air travel credit and a credit for a TSA PreCheck or Global Entry application fee.
  • Best for 0% intro APR.
    A few cards offer 18-month intro APRs on purchases and balance transfers. Wells Fargo’s product is our top pick because of its generous window to qualify for the special balance transfer rate. With other cards, you’ll often get just 60 days to qualify.
  • Best for low interest.
    This card offered the lowest potential APR on all balances among the cards we compared.
  • Best for small business.
    We chose this card based on the strength of its rewards rates. Though Amex’s product doesn’t have a welcome offer or balance-transfer option — which we consider significant weaknesses — it gets tremendous credit for its very high cap on bonus rewards.
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No annual fee cards by credit card issuer

What does no annual fee mean?

For some cards, you may need to pay a fee just to be a cardholder. This 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 fee. Avoiding an annual fee helps you minimize the cost of using a credit card.

Annual fees typically range from as low as $30 or 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.

How to choose a no-annual-fee credit card

  1. Decide what kind of card you want.
    To narrow your options, decide how you primarily want to use your card and what you hope to get out of it.

    Do you want travel rewards? Cash back? A 0% intro APR? There are excellent products in each category, and some that combine features.

  2. Compare a few credit cards.
    Once you’ve decided the main feature you want, compare a few cards that offer it. Use our cashback, balance transfer, travel, low-interest and business credit card guides to determine a card that’s right for you.
  3. Apply for a card.
    You’ll need information such as your contact details, Social Security number, date of birth, gross annual income and employment information.
  4. Wait for your card.
    You may receive instant approval, especially if you apply with a major card issuer. If the issuer needs to review your application, it may take a few days to a few weeks to hear back.

    If you’re approved, look for your card in the mail within seven to 10 days.

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 2019.

Frequently asked questions

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