Best No Annual Fee Credit Cards
Great rewards without the yearly cost
You don't need to pay an annual fee to earn solid rewards. These $0-fee cards offer competitive cash back rates, sign-up bonuses, and useful perks — all without a yearly charge eating into your earnings.
9 cards found
Credit Card
Annual Fee
Rewards Rate
Intro Offer
Not sure which card is right for you?
Answer 5 quick questions — we'll match you with your best card.
Comparing the best cards
| Credit Card | Best For | Annual Fee | Rewards | Intro Offer | Rating |
|---|---|---|---|---|---|
| Discover it Cash Back Discover | Those who enjoy maximizing rotating categories | $0 | 1%–5% | $300 value | 4.7 |
| Chase Freedom Unlimited Chase | Everyday spending with no annual fee | $0 | 1.5%–5% | $200 value | 4.6 |
| Capital One SavorOne Capital One | Dining and entertainment enthusiasts | $0 | 1%–3% | $200 value | 4.5 |
| Citi Double Cash Citi | Maximizing flat-rate cash back | $0 | 2% | $200 value | 4.6 |
| Wells Fargo Active Cash Wells Fargo | Simple flat-rate cash back seekers | $0 | 2% | $200 value | 4.5 |
| Capital One Quicksilver Capital One | Those who prefer simplicity over maximizing categories | $0 | 1.5% | $200 value | 4.4 |
| Bank of America Customized Cash Rewards Bank of America | Bank of America customers who want category flexibility | $0 | 1%–3% | $200 value | 4.3 |
| Capital One Platinum Secured Capital One | Building or rebuilding credit | $0 | 0% | — | 4 |
| Discover it Student Chrome Discover | College students building credit | $0 | 1%–2% | $100 value | 4.3 |