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Compare credit cards with no annual fee 2021

Earn rewards and perks without paying for them.

Updated . What changed?

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Our pick for a no-annual-fee card: Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express logo

Up to 20%

Cash back

  • Two welcome offers worth up to $300 combined
  • Everyday cash back on groceries, gas and at select department stores
  • No annual fee
Apply now
See rates & fees

Compare credit cards with no annual fee

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

Data indicated here is updated regularly
Name Product Annual fee Balance transfer APR Purchase APR Filter values
Blue Cash Everyday® Card from American Express
$0
N/A
0% intro for the first 15 months (then 13.99% to 23.99% variable)
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
$0
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.
Citi® Diamond Preferred® Card
$0
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)
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 Unlimited®
$0
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.
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.
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Compare up to 4 providers

Choosing a credit card without an annual fee can help you save money. But it can also come with lower rewards — and you can still be on the hook for late fees, interest and other costs. Use our table to compare your options and find the best card for you.

No annual fee cards by bank

American Express
  • Blue Cash Everyday® Card from American Express
  • American Express Cash Magnet® Card
  • Hilton Honors American Express Card
  • Delta SkyMiles® Blue American Express Card
  • 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
Barclaycard
  • 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
  • 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
  • Citi Rewards+℠ Card
  • Citi® Double Cash Card
  • Citi Simplicity® Card
  • Citi Rewards+℠ Student 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 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.

Is an annual fee ever worth it?

An annual fee can be worth paying if it leads to higher rewards or special benefits you want. Sometimes, you can get so much value from an annual-fee card that the price is easy to justify. But ultimately, this depends on what you need and whether you can take advantage of a card’s features.

Pros and cons of a no annual fee card

It’s always good to get a full picture of a card type before you submit an application. Here are a few things to consider before getting a no annual fee card.

Pros

  • It’s low-maintenance.
    You can keep a no annual fee card for as long as you want without worrying about a yearly cost. Besides giving you credit to help you decrease your credit utilization, this also lets you increase your average age of accounts. Both are factors that help determine your FICO score.
  • Keep more of your rewards.
    An annual fee eats into any rewards you earn. For example, if you earn $100 in cash back but have to pay a $95 annual fee, you’ve effectively earned just $5 in cash back. With a $0 annual fee, any rewards you earn are all upside.
  • Signup bonus might be easier to obtain.
    While signup bonuses tend to be smaller than you’ll find with annual-fee cards, you often have to meet lower spending requirements. You might, for instance, earn a bonus worth $150 after you meet a spending requirement of just $500 within the first three months.

Cons

  • Lower rewards rates.
    There are many no-annual-fee cards that offer good rewards. But you’ll often find the best rewards with annual-fee cards.
  • Fewer benefits.
    No-annual-fee cards tend to have fewer features. For example, you might not find features such as airport lounge access, free checked baggage or travel credits.

How do I compare no annual fee credit cards?

There are many no annual fee cards out there, and the choices can sometimes feel overwhelming. To help you narrow down your options, here’s what to consider:

Do you want to earn rewards?

Many no-annual-fee cards come with a rewards program. You can either get a card with accelerated rewards on select categories like travel, dining, groceries or gas, or you can get a card with flat-rate rewards on all purchases.

  • Spend a lot on everyday purchases? Check out the cards issued by American Express, Discover and Bank of America.
  • Want a flat-rewards card? Citi and TD Bank offer one of the best cards with flat rewards rate on all purchases.
  • Spend a lot on travel? Barclaycard has almost 20 travel credit cards in the form of cobranded cards with cruise lines, airlines and home rentals. All other card providers offer a smaller selection of no-annual-fee travel cards, but most of them are excellent options.

Do you want a 0% intro APR period?

Many no annual fee cards have intro APRs. This means you could get 0% APR on purchases or balance transfers for a period of time. Think about whether a promotional interest rate is important to you — and if so, how long you want it to be.

Do you want a strong 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 similar bonuses, but you’ll find the occasional offer that stands out.

With a no-annual-fee card, expect to earn a bonus worth anywhere from $50 up to $250.

Do you have a good 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.

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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