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
  • 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • 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℠
APPLY NOWAt Chase's secure website

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

16.49% - 25.24% 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 cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
APPLY NOWAt Citi's secure website

0% intro APR for 18 months on Balance Transfers

13.99% - 23.99% (Variable)

$0

Why we like it
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 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 13.99% - 23.99% variable APR on purchases and balance transfers, depending on your creditworthiness. This card has no annual fee. Read our Citi® Double Cash Card – 18 month BT offer review.

Capital One® VentureOne® Rewards Credit Card is a $0 annual fee credit card that rewards you with bonus miles. You receive a 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 unlimited 1.25X miles. 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 14.49% - 24.49% 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
  • 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 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, 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 standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
APPLY NOWAt Citi's secure website

0% intro APR on Purchases for 12 months and Balance Transfers for 21 months

14.74% - 24.74% (Variable)

$0

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 14.74% - 24.74% variable APR (depending on your creditworthiness) for both purchases and balance transfers. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, 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.