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Credit cards with no annual fee 2021

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
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
Chase Freedom Unlimited®
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.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
0% intro for the first 18 months (then 14.74% to 24.74% variable)

Best of Finder 2021

An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Chase Freedom Flex℠
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.
Petal® 2
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.

Compare up to 4 providers

The best no-annual-fee credit cards of 2021

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, 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® Cash Rewards Credit Card
  • 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® Cash Rewards for Students
  • Bank of America® Travel Rewards for Students
  • RCI Elite Rewards® Mastercard®
  • Diamond Resorts International® 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 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® Secured Mastercard®
  • Walmart Rewards™ Mastercard®
  • 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 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 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?

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 on US supermarkets on up to $6,000 annually and 1% after that, while the Blue Cash Preferred® Card from American Express earns 6% back but it costs $95 annually (Terms apply, see rates & fees) after your first year, which you can redeem for a statement credit. The latter also earns a higher cashback rate on other categories.

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

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.

Alternatives to no-annual-fee cards

The only alternative is to pay an annual fee. It can seem expensive to get such a card, but if your spending is high enough, it will not only cover the annual fee, but you will earn a lot more rewards and save money on other perks.

Airline cobranded credit cards are an excellent example. An airline credit card that costs around $99 often comes with a first-checked-bag free perk. This can easily save $30 per person per flight. With three one-way flights, you have already covered the annual fee. On top of that, there’s often either priority boarding and in-flight savings on food and beverages that make the card a much better option than a no-annual-fee alternative.

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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