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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
N/A
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Citi Simplicity® 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)
With an intro APR of 18 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
Citi® Diamond Preferred® Card
$0
0% intro for the first 18 months (then 13.74% to 23.74% variable)
0% intro for the first 18 months (then 13.74% to 23.74% 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.
TD Double Up℠ Credit Card
$0
0% intro for the first 15 billing cycles (then 14.99%, 19.99% or 24.99% variable)
14.99%, 19.99% or 24.99% variable
Earn up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Citi Custom Cash℠ Card
$0
0% intro for the first 15 months (then 13.99% to 23.99% variable)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
A new cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).
Citi® Double Cash Card
$0
0% intro for the first 18 months (then 13.99% to 23.99% variable)
13.99% to 23.99% variable
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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.
TD Cash Credit Card
$0
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
0% intro for the first 6 billing cycles (then 12.99%, 17.99% or 22.99% variable)
3% on dining and 2% on groceries make this a valuable card for food purchases. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Citi Rewards+® Card
$0
0% intro for the first 15 months (then 13.49% to 23.49% variable)
0% intro for the first 15 months (then 13.49% to 23.49% variable)
Get 2x points on restaurants and gas with this unique no-annual-fee card. Your rewards round up to the nearest 10 points for each purchase!
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
Citi® Secured Mastercard®
$0
22.49% variable
22.49% variable
A no annual fee secured card for people who are new to credit or have limited credit history.
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.
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.
Chase Slate Edge℠
$0
0% intro for the first 12 months (then 14.99% to 23.74% variable)
0% intro for the first 12 months (then 14.99% to 23.74% variable)
New revamped Chase Slate Edge card: Earn $100 bonus on your statement when you spend $500 in your first 6 months
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
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 2021

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, 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
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
  • 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 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. So long as the value of the rewards you earn or perks you use are greater than the cost of the card’s annual fee, then paying the annual fee is worth it.

Your only alternative is to use a credit card that doesn’t charge an annual fee. The trade-off in this case is credit cards with no annual fee may have fewer features or possess lower rewards rates than you’d find on an annual fee credit card. Airline and travel cards are a great example for showing the difference between these types of cards, as most airline cards offer a few different cards at varying prices. Expensive airline cards come with perks worth hundreds of dollars on their own, like free checked bags, priority boarding, elite status boosts and lounge access. The cheapest among them, however, often provide the ability to earn rewards and little else.

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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