Many credit cards have an annual fee that you must pay just for having the card. But personally, I prefer a credit card with no annual fee - many even allow you to earn rewards on your spending. Having one of these credit cards can help you build your credit score, since you can keep your account open even if you don't use it. This can help you increase your account age, as well as decrease your debt-to-credit-limit ratio. Why get a credit card with an annual fee when you can get a balance transfer, low interest or rewards card with similar (or in many cases even better rewards) for no annual fee?

GET.com's best no annual fee cards

Best Unlimited Cash Back Card With No Annual Fee

Best ForCredit Card
Cash Back BonusBank of America® Cash Rewards credit card - $200 Cash Rewards Offer
Cash Back CategoriesChase Freedom®
Unlimited Cash BackChase Freedom Unlimited®
Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

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 unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 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
  • Free credit score, updated weekly with Credit JourneySM
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
APPLY NOWAt Chase's secure website

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

16.74% - 25.49% Variable

$0

Why we like it
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
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