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 Rewards With BonusWells Fargo Cash Wise Visa® Card
Cash backDiscover it® Cash Back
Travel With BonusBank of America® Travel Rewards credit card - 25,000 Bonus Points Offer
Low interestCiti Simplicity® Card - No Late Fees Ever

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 Rewards Bonus Credit Cards

{{BLOCKCC wells-fargo-cash-wise-visa-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 $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile 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% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $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 12 months on purchases and balance transfers (fees apply), balance transfers made within 120 days qualify for the intro rate and fee

15.99%-26.99% (Variable)

$0

Excellent/Good

Wells Fargo Cash Wise Visa® Card lets you enjoy a $0 annual fee and a 0% intro APR for 12 months on purchases and balance transfers (fees apply; balance transfers made within 120 days qualify for the intro rate and fee), after that period you get a 15.99%-26.99% variable APR. If you spend $1,000 within the first 3 months of card membership you get a sweet $200 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 mobile 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 Unlimited Flat-Rate 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
  • 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 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • 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
  • Unlimited 1.5% cash back on every purchase - it's automatic.
  • 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 unlimited, automatic 1.5% cash back on every purchase that you make. As a new cardholder, you can earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. 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 16.99% - 25.74% variable APR after that. Chase Freedom Unlimited® has no annual fee.

Best Rotating Category Cash Back Credit Cards With No Annual Fee

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Discover it<sup>®</sup> Cash Back

Discover it® Cash Back

APPLY NOWAt Discover's secure website
  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
APPLY NOWAt Discover's secure website

0% on purchases and balance transfers for 14 months

13.99% - 24.99% Variable

$0

Excellent/Good

Discover it® Cash Back has no annual fee, and as an intro offer Discover will match all the cash back you've earned at the end of your first year, automatically (offer only for new cardmembers). You get 5% cash back for purchases you make (up to the quarterly maximum of $1,500) in bonus categories that change every quarter. You have to sign up for the 5% cash back each quarter (it's easy and free), but you automatically earn unlimited 1% cash back on all other purchases you make. You get a 0% intro APR on purchases and balance transfers for the first 14 months (13.99% - 24.99% variable APR after). You pay a 3% fee for each balance transfer. Perks like the Freeze It® on/off switch which lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds using the mobile app or your online account, and free tracking of your recent FICO® Credit Scores in an easy-to-read chart online and on monthly statements make this a very practical card for everyday use. If you travel a lot, you can save money by using this card because it has no foreign transaction fees.

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 5% 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® 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 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 16.99% - 25.74% variable APR for purchases and balance transfers kicks in.

Best Fixed Category Cash Back Credit Cards With No Annual Fee

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. This card has no annual fee, and comes with a bonus offer that lets you earn a $200 online cash rewards bonus after you spend at least $500 on purchases in your first 90 days after account opening. You earn 3% on gas and 2% at grocery stores and wholesale clubs for the first $2,500 in combined wholesale clubs, grocery and gas purchases charged to this card each quarter. You earn 1% cash back on every other purchase. You get a 10% customer bonus when you redeem your cash back into a Bank of America® checking or savings account. If you're a Preferred Rewards client (meaning you maintain certain amounts of money in an eligible Bank of America account), that bonus can increase to 25%-75%. You get a 0% intro APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days followed by 15.24% - 25.24% variable APR (balance transfer fee of 3% of the amount of each transaction or $10, whichever is greater), so this is also a useful card for paying off large purchases or credit card debt.

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
  • $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, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • 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

14.99%-25.99% Variable

$0

Excellent, Good

Blue Cash Everyday® Card from American Express, a GET.com advertiser, has no annual fee 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 (14.99% - 25.99% variable APR 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. Benefits like return protection, extended warranty and a purchase protection plan add to this card's appeal. Terms apply.

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 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 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 15.49% - 25.49% variable APR after that (click 'Apply Now' to see the applicable balance transfer fee and find out how making a balance transfer impacts interest on purchases). A major benefit of this card is Citi® Price Rewind, a price protection service which searches online stores for a lower price on things you buy for 60 days from the date of purchase. If it finds a lower price, you will be alerted and can claim reimbursement for the difference in price. This card has no annual fee.

Best Cash Back Credit Card With 10% Anniversary Bonus on all Cash Rewards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
HSBC Cash Rewards Mastercard<sup>®</sup> credit card

HSBC Cash Rewards Mastercard® credit card

APPLY NOWAt HSBC's secure website
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.99%, 18.99% or 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt HSBC's secure website

0% Introductory APR on balance transfers for the first 15 months from account opening

Variable APR of 14.99%, 18.99% or 24.99% will be applied

$0

Good/Excellent

HSBC Cash Rewards Mastercard® credit card lets you earn unlimited 1.5% cash rewards on every purchase you make. What really puts this ahead of most other similar cards out there is that every year you earn a 10% cash rewards anniversary bonus on all the cash back you've earned throughout the year. Enjoy a $150 cash rewards bonus after you spend $2,500 or more within the first 3 months of opening your account. This is relatively easy to do especially if you're using this as your primary credit card. This card has a 0% introductory APR for 15 months on balance transfers and a 14.99%, 18.99% or 24.99% variable APR after that. No foreign transaction fees, $0 liability for unauthorized purchases and $0 annual fee. Terms apply.

Best No Annual Fee Card For Restaurants & Groceries

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

Capital One® SavorOne℠ Cash Rewards Credit Card

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

0% intro on purchases and balance transfers for 15 months

14.74% - 24.74% (Variable)

$0

Excellent, Good

Capital One® SavorOne℠ Cash Rewards Credit Card lets you start earning cash back from the very start with a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Continue earning unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all your other purchases. These are great categories to earn cash back on since you can make day to day purchases on your card while earning cash back that won't expire! This $0 annual fee card also offers a 0% intro APR on purchases and balance transfers for 15 months (14.74% - 24.74% variable APR after that), World Elite Mastercard® Benefits and no foreign transaction fees.

View Details

Best Travel Rewards Credit Card With No Annual Fee

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Travel Rewards credit card - 25,000 Bonus Points Offer

Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

APPLY NOWAt Bank of America's secure website
  • NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 12 billing cycles for purchases

16.99% - 24.99% Variable APR

$0

Why we like it
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
Excellent/Good

Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer. This credit card lets you earn 25,000 online bonus points (can be a $250 statement credit toward travel purchases) when you make at least $1,000 in purchases in your first 90 days after account opening. For every purchase you charge to this card you earn unlimited 1.5 points per $1 spent. You get an additional 10% customer points bonus on every purchase if you have an active Bank of America® checking or savings account, and if you are a Bank of America Preferred Rewards client, you can increase that bonus to 25% - 75%. So this card can potentially be very rewarding. The points you earn are not actual frequent flyer miles, but rather points that can be redeemed towards any travel purchases you make (flights, hotels, vacation packages, cruises, rental cars, or baggage fees), so you get a lot of flexibility.

Best Delta Credit Card With No Annual Fee

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

Blue Delta SkyMiles® Credit Card from American Express

APPLY NOWAt American Express' secure website
  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Receive a 20% In-Flight 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

17.74%-26.74% Variable

$0

Excellent Credit

Blue Delta SkyMiles® Credit Card from American Express lets you earn a bonus offer of 10,000 bonus miles after you spend $500 on purchases within the first 3 months of opening your account. You earn 2 miles per dollar spent on purchases made directly with Delta and 2 miles for every $1 spent on purchases at US restaurants. Earn 1 mile per $1 on all other purchases. Enjoy a 20% in-flight 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, payment flexibility, car rental loss and damage insurance, and more!

Best Credit Card With A Low Ongoing APR And No Annual Fee

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Barclaycard Ring<sup>®</sup> Mastercard<sup>®</sup>

Barclaycard Ring® Mastercard®

APPLY NOWAt Barclays' secure website
  • A low, variable APR on purchases, balance transfers and cash advances.
  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
  • Low 13.99% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
  • See Rates & Fees
APPLY NOWAt Barclays' secure website

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

13.99% Variable

$0

Why we like it
  • A low, variable APR on purchases, balance transfers and cash advances.
Good/Excellent

Barclaycard Ring® Mastercard® lets you enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening followed by a low ongoing 13.99% variable APR on balance transfers. Keep in mind that there's balance transfer fee of either $5 or 2% of the amount of each transfer, whichever is greater, for balance transfers made within the first 45 days of account opening. Balance transfers made after those 45 days will not have any balance transfer fees. And right from the start, you'll have a low, ongoing 13.99% variable APR on purchases and cash advances. This no annual fee card also offers no foreign transaction fees and embedded chip card technology. Although Barclaycard Ring® Mastercard® doesn't offer any traditional credit card rewards (like cash back, miles or points), this card offers the Giveback program, a profit sharing feature which gives back a portion of its profits to cardholders for positive credit card performance.

Best Low Interest Credit Cards 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
  • 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 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
  • 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 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 15.99% - 25.99%* variable APR applies. You do pay a fee of 5% of each balance transfer; $5 minimum (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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
HSBC Gold Mastercard<sup>®</sup> credit card

HSBC Gold Mastercard® credit card

APPLY NOWAt HSBC's secure website
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt HSBC's secure website

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening

Variable APR of 12.99%, 16.99% or 20.99% will apply after the Introductory Period

$0

Good/Excellent

HSBC Gold Mastercard® credit card is a great card with a $0 annual fee. One of the first features you'll notice about this card is the long 0% intro APR on credit card purchases and balance transfers for the first 18 months from account opening after which a 12.99%, 16.99% or 20.99% variable APR applies. This card has no penalty APR and a late fee waiver if for any reason you're unable pay the minimum amount required. There is $0 liability for unauthorized purchases and there are no foreign transaction fees. Terms apply.

Best Gas Credit Card 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
  • New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that's a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and 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 12 months on purchases and balance transfers

14.49%-26.99% (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 balance transfers (balance transfers made within 120 days qualify for the intro rate and fee) and a 14.49%-26.99% variable APR after that, balance transfer fees apply. As a welcome offer earn 30,000 bonus points after you spend $3,000 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.

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.