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 ForCredit Card
Cash Back CategoriesChase Freedom®
Unlimited Cash BackChase Freedom Unlimited®
Gas, Dining & TravelWells Fargo Propel American Express® card
Flat-Rate Travel RewardsCapital One® VentureOne® Rewards Credit Card
Balance TransferCiti Simplicity® Card - No Late Fees Ever
Cash Rewards BonusWells Fargo Cash Wise Visa® card
Low InterestCiti® Diamond Preferred® Card- 21 Month Balance Transfer Offer

Here is a list of GET.com's pick of credit cards with no annual fee, most of which offer rewards on your spending.

Best Cash Back Bonus Credit Cards

Best Cash Back Categories Credit Card With No Annual Fee

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® has no annual fee and comes with a bonus offer which lets you earn a $150 Bonus after spending $500 on purchases in your first 3 months from the time your account is opened. You earn 5% cash back for up to $1,500 of combined purchases you make in bonus categories each quarter. The categories change quarterly, and you need to activate the 5% bonus every quarter (its easy and fast). You earn unlimited 1% cash back (automatically) on all other purchases. But the pros don't stop there. You enjoy a 0% intro APR for 15 months for purchases and balance transfers, which makes this an attractive card account to transfer old credit card debt onto. Just note that there is a balance transfer fee, which comes to 3% (min. $5) when you transfer during the first 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater. The intro APR period for purchases means you can make big ticket purchases and pay them off over time, before the 16.49% - 25.24% variable APR for purchases and balance transfers kicks in.

Best Unlimited Cash Back Card With No Annual Fee

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 16.49 - 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
  • 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

16.49% - 25.24% Variable

$0

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

Chase Freedom Unlimited® is a straightforward card that lets you 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 every purchase that you make. The cash back you earn does not expire as long as your account is open and in good standing and there is no minimum required to redeem for cash back. This card has a 0% intro APR for 15 months from account opening on purchases and balance transfers and a standard 16.49% - 25.24% variable APR after that. Chase Freedom Unlimited® has no annual fee.

Best Credit Card For Gas, Dining & Travel With No Annual Fee

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Wells Fargo Propel American Express<sup>®</sup> card

Wells Fargo Propel American Express® card

APPLY NOWAt Wells Fargo's secure website
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
APPLY NOWAt Wells Fargo's secure website

0% Intro APR for 12 months on purchases and qualifying balance transfers

13.99%-25.99% (Variable)

$0

Excellent/Good

Wells Fargo Propel American Express® card has a $0 annual fee and lets you enjoy a 0% Intro APR for 12 months on purchases and qualifying balance transfers (balance transfers made within 120 days qualify for the intro rate and fee) and a 13.99% - 25.99% variable APR after that, balance transfer fees apply. As a welcome offer earn 20,000 bonus points after you spend $1,000 in the first 3 months of being a cardholder. Wells Fargo Propel American Express® card is also a gas rewards card so you'll benefit from the 3X points you earn at U.S. gas stations. You can also earn 3X points every time you spend on rideshares, transit, eating out, ordering in and for travel purchases (including flights, hotels, homestays and car rentals). Earn 1X point on any other qualifying purchase you make. Plus you get to redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards.

Best Flat-Rate Travel Card With No Annual Fee

Capital One® VentureOne® Rewards Credit Card lets you earn unlimited 1.25X miles per dollar on every purchase. As a welcome offer you will get 20,000 bonus miles ($200 in travel) after you spend $1,000 on purchases within the 3 months from account opening. The miles you earn are unlimited and won't expire as long as your account in open. Benefit from a $0 annual fee and a 0% intro APR on purchases for 12 months with 14.49% - 24.49% variable APR thereafter. One of the standout perks of this card is that you can transfer your miles to over 15+ leading travel loyalty programs.

Best Grocery Credit Card With No Annual Fee

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Blue Cash Everyday<sup>®</sup> Card from American Express

Blue Cash Everyday® Card from American Express

APPLY NOWAt American Express' secure website
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases and balance transfers for 15 months

12.99%-23.99% Variable

$0

Excellent, Good

Blue Cash Everyday® Card from American Express, a GET.com advertiser, has no annual fee (See Rates & Fees) and you earn $150 back (in the form of a statement credit) after you spend just $1,000 in purchases using your new Card in the first 3 months after account opening. Earn 3% cash back at U.S. supermarkets (for up to $6,000 per year in purchases, then 1%) and 2% cash back at U.S. gas stations. You earn 1% cash back for other purchases. This card gives you a 0% intro APR on purchases and balance transfers for 15 months (See Rates & Fees) (12.99% - 23.99% variable APR (See Rates & Fees) after that). That helps you avoid wasting money on interest if you have large purchases to make, as you can pay them off within that intro APR period without paying an APR. This is also a good card for balance transfers. Terms apply.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

Best 2% Cash Back Credit Card With No Annual Fee

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 is one of the only cards that earns you 2% cash back every purchase you make: 1% cash back when you buy, plus an additional 1% as you pay for those purchases. So if you use this card to pay and then make your payments in full every billing period, you earn 2% cash back on all purchases you make each month. You don't get any category restrictions or caps on the amount of cash back you can earn, so this is a rewarding card to use for all your purchases. This card has a 0% intro APR for 18 months on balance transfers with a standard 13.99% - 23.99% variable APR after that. 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. This card has a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater and no annual fee.

Best Delta Credit Card With No Annual Fee

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Offer ends 4/1/2020
Delta SkyMiles<sup>®</sup> Blue American Express Card

Delta SkyMiles® Blue American Express Card

Offer ends 4/1/2020
APPLY NOWAt American Express' secure website
  • Earn 15,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Offer Expires 4/1/2020.
  • No Annual Fee.
  • New! Earn 2X Miles per dollar at restaurants, now worldwide.
  • Earn 2X Miles per dollar spent on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • New! No Foreign Transaction Fees.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

15.74%-24.74% Variable

$0

Excellent Credit

Delta SkyMiles® Blue American Express Card lets you earn a limited time bonus offer (expires 4/1/20) of 15,000 bonus miles after you spend $1,000 on purchases within the first 3 months of opening your account. You earn 2x miles per dollar spent on purchases made directly with Delta and 2x miles for every $1 spent on purchases at restaurants worldwide. Earn 1x mile per $1 on all other purchases. Enjoy 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets. This card has a host of other benefits such as no annual fee (See Rates & Fees), no foreign transaction fees (See Rates & Fees), payment flexibility, car rental loss and damage insurance, and more!

For rates and fees of the Delta SkyMiles® Blue American Express Card, please click here.

Best Balance Transfer Credit Card With No Annual Fee

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 very effective card to use if you have a credit card debt that you want to transfer and pay off without accumulating interest. This card gives you a 0% intro APR on purchases for 12 months and balance transfers for 21 months, which is a pretty long introductory APR period. After that intro period, the standard 14.74% - 24.74% variable APR applies. You do pay a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. This card has no annual fee, no penalty rate and no late fees. Those benefits can help you avoid credit card debt.

Best Cash Rewards Bonus Credit Card

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Wells Fargo Cash Wise Visa<sup>®</sup> card

Wells Fargo Cash Wise Visa® card

APPLY NOWAt Wells Fargo's secure website
  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms and conditions
APPLY NOWAt Wells Fargo's secure website

0% Intro APR for 15 months on purchases and qualifying balance transfers

13.99% - 25.99% (Variable)

$0

Excellent/Good

Wells Fargo Cash Wise Visa® card lets you enjoy a $0 annual fee and a 0% intro APR for 15 months on purchases and qualifying balance transfers, after that period you get a 13.99% - 25.99% variable APR. If you spend $500 within the first 3 months of card membership you get a sweet $150 cash rewards bonus! Earn unlimited 1.5% cash rewards on all the purchases you make every single day. You also get to enjoy 1.8% cash rewards on your qualified digital wallet purchases like Google PayTM or Apple Pay® within the first 12 months of opening your account. There are no category restrictions or quarterly sign ups and cash rewards never expire as long as you keep your account open.

Best Low Interest Credit Card With No Annual Fee

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card- 21 Month Balance Transfer Offer

Citi® Diamond Preferred® Card- 21 Month Balance Transfer Offer

APPLY NOWAt Citi's secure website
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, 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 balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi EntertainmentSM, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
APPLY NOWAt Citi's secure website

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

13.74% - 23.74% (Variable)

$0

Excellent, Good

Citi® Diamond Preferred® Card- 21 Month Balance Transfer Offer has a 0% intro APR for 21 months on balance transfers made in the first 4 months and 0% intro APR for 12 months on purchases, which is a very long intro APR period. After that intro period the standard 13.74% - 23.74% variable APR (depending on your creditworthiness) applies. The balance transfer fee is either 5% of each balance transfer; $5 minimum. You can take advantage of the long intro APR period for purchases to pay off any big purchases you make shortly after getting this card. This card has no annual fee.

No Annual Fee Card Benefits

Although there are very good payment cards that come with an annual fee, you don't need to cough up a card fee each year to enjoy world-class rewards and benefits.

You can now get flexible rewards cards with useful benefits for no annual fee. Unless you need certain exclusive benefits offered only by cards with annual fees, a no annual fee credit card is the way to go.

Chase Freedom® (no annual fee) and Citi® Double Cash Card – 18 month BT offer (no annual fee) are both highly rated credit cards on GET.com.

If you have excellent credit, you can even enjoy the perks of a Visa Signature card or a World Elite MasterCard® without paying an annual card fee.

Visa Signature benefits include:

  • Auto rental collision damage waiver
  • Lost luggage reimbursement
  • Travel accident insurance
  • Roadside Dispatch
  • Purchase security
  • Year-end summary statements
  • Zero fraud liability

World Elite MasterCard® benefits include:

  • Hotel and flight privileges. Hotel benefits include complimentary room upgrades, early check-in and late check-out upon availability, daily breakfast for two and exclusive amenities for eligible Luxury Hotels & Resorts Portfolio bookings.
  • Trip cancellation insurance (get reimbursed if you are forced to cancel a trip)
  • 15% discount for MasterCard Airport ConciergeTM (meet and greet airport service)
  • Price protection (if you find a lower price on something you purchase)
  • Extended warranty
  • Access dining privileges, chauffeured car services, private jet services, and other exclusive privileges.

Although you will usually pay an annual fee to use dedicated hotel or airline cards, there are exceptions.

As you can see, there are many good cards out there that don't charge an annual fee. You will need excellent credit to successfully apply for most of the really rewarding cards.

If you have bad or fair credit, your choices will be more limited. You will most likely have to pay an annual fee if you want a card with decent benefits and a reasonable APR.

How We Rate No Annual Fee Credit Cards

Cards are rated by GET.com staff based on the absence of an annual fee, rewards, bonus offers, card benefits and APR. Benefits that we take into account when rating no annual fee credit cards include introductory APR periods, purchase benefits (including extended warranty, purchase protection, price protection, guaranteed returns), travel benefits (including lounge access, travel insurance, car rental insurance, free checked luggage, airline or hotel fee credit, free flights or hotels), and unique card benefits.

We also look at foreign transaction fees, late payment fees, penalty APRs, grace periods, and cash advance fees. Ratings are also influenced by a card's flexibility in earning and redeeming rewards and bonus offers, transferring balances and making purchases.