Until recently, if you wanted a credit card with really useful benefits you could generally expect to pay for it. But times change, and today many good credit cards don't charge an annual fee. That means that as long as you're not carrying a balance, you can enjoy all the benefits and rewards at no cost. If you're looking for high cash back, top rewards, insurance coverage and long 0% intro APR periods, you can get these benefits with some no annual fee cards.

If you want to improve your credit score, a no annual fee card provides a good solution to improve your credit/debt ratio or build better credit if you use it wisely. Here are our best-rated no annual fee credit cards:

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Freedom<sup>®</sup>

Chase Freedom®

APPLY NOWAt Chase's secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
APPLY NOWAt Chase's secure website

0% Intro APR for 15 months from account opening on purchases and balance transfers

16.99% - 25.74% Variable

$0

Why we like it
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases - it's automatic.
Excellent/Good

Chase Freedom® is another solid cash back card that doesn't have an annual fee. You earn 5% cash back in rotating categories that change every 3 months, on up to a cap of $1,500 spent on combined purchases each quarter. As long as you sign-up for each quarterly program you will earn this bonus cash back. Unlimited 1% cash back on everything else. New sign-ups get a $150 Bonus after spending $500 on purchases within the first 3 months of account opening. No annual fee. Read our Chase Freedom® review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

APPLY NOWAt Citi's secure website
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
APPLY NOWAt Citi's secure website

0% Intro APR on Balance Transfers for 18 months*

15.49% - 25.49%* (Variable)

$0*

Why we like it
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.
  • Introductory APR offer.
Excellent, Good

Citi® Double Cash Card – 18 month BT offer, a partner card, gives you 2% cash back on your purchases. Here is the way it works: You earn 1% cash back when you buy, and then an additional 1% as you pay for those purchases. What makes this card really useful is that there is no limit to the total amount of cash back you can earn, so if you are a big spender, you earn cash back accordingly. Other good cash back cards let you earn extra cash back, but usually the bonus cash back is limited to a certain amount of purchases in a quarter or year. This card comes with 0% intro APR for 18 months on balance transfers, after that there is a 15.49% - 25.49% variable APR on purchases and balance transfers, depending on your creditworthiness. Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases. This card has no annual fee. Read our Citi® Double Cash Card – 18 month BT offer review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Cash Rewards credit card - $200 Cash Rewards Offer

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

APPLY NOWAt Bank of America's secure website
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • No annual fee
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days

15.24% - 25.24% Variable APR

$0

Why we like it
  • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
We least like
  • 3% foreign transaction fee.
Excellent/Good

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer is another example of a card with a lot of benefits and no annual fee. You will get a $200 online cash rewards bonus after making at least $500 or more in purchases during the first 90 days after account opening. You earn 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs on the first $2,500 you spend on combined grocery store, wholesale clubs and gas purchases quarterly. All other purchases earn 1% cash rewards. No need to enroll in rewards programs to receive your cash back, and categories don't change so you always know what you're getting. You'll enjoy a 0% intro APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days. Then 15.24% - 25.24% variable APR after the intro period. The balance transfer fee is 3% of the amount of each transaction or $10, whichever is greater. Earn a 10% customer bonus each time you redeem your cash back into a Bank of America® checking or savings account. As a Preferred Rewards client, you can increase that bonus to 25% - 75%. Terms and conditions apply. No annual fee. Read our Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

0% intro on purchases for 12 months

13.74% - 23.74% variable

$0

Why we like it
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture.
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel.
Excellent, Good

Capital One® VentureOne® Rewards Credit Card is a $0 annual fee credit card that rewards you with bonus miles. You receive a one-time bonus of 20,000 miles after you use this card to make $1,000 of purchases within 3 months from account opening. That bonus is worth $200 in travel. For every $1 spent on all your purchases you earn 1.25X miles. Plus, earn 10X miles on thousands of hotels at hotels.com/venture. There's no limit to the miles you can earn, and miles never expire. This card has a 0% intro APR on purchases for 12 months, and after that a 13.74% - 23.74% variable APR, depending on your credit score. This card has no balance transfer fee, only a few credit cards have this benefit. It also has no foreign transaction fees. Read our Capital One® VentureOne® Rewards Credit Card review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi Simplicity<sup>®</sup> Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

APPLY NOWAt Citi's secure website
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
APPLY NOWAt Citi's secure website

0%* intro APR on purchases* for 12 months and balance transfers* for 21 months

15.99% - 25.99%* (Variable)

$0*

Why we like it
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
We least like
  • No rewards program.
Excellent, Good

Citi Simplicity® Card - No Late Fees Ever is a balance transfer card that offers a 0% intro APR on purchases for 12 months and balance transfers for 21 months. After that intro period there is a 15.99% - 25.99%* variable APR (depending on your creditworthiness) for both purchases and balance transfers. There is a balance transfer fee of 5% of each balance transfer; $5 minimum, whichever is greater. This card doesn't charge you any late payment fees. No annual fee. Read our Citi Simplicity® Card - No Late Fees Ever review here.