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 BonusBank of America® Cash Rewards credit card - $200 Cash Rewards Offer
3% Intro Cash BackHSBC Cash Rewards Mastercard® credit card
Cash Back CategoriesChase Freedom®
Travel With BonusBank of America® Travel Rewards credit card - 25,000 Bonus Points Offer
Flat-Rate Travel RewardsCapital One® VentureOne® Rewards Credit Card
Balance TransferCiti 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 Back Bonus Credit Cards

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
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days

16.24% - 26.24% Variable APR

$0

Why we like it
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
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 $1,000 on purchases in your first 90 days after account opening. You earn 3% on your choice category (choose between gas, online shopping, dining, travel, drug stores, or home improvement /furnishings) and 2% at grocery stores and wholesale clubs for the first $2,500 in combined wholesale clubs, grocery and choice category purchases charged to this card each quarter. You earn 1% cash back on every other purchase. 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 15 billing cycles for purchases and for any balance transfers made in the first 60 days followed by 16.24% - 26.24% 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 Cash Back Credit Card With 3% Intro Cash Back

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 an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% 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 purchases and balance transfers for the first 12 months from account opening

Variable APR of 15.24%, 19.24% or 25.24% will be applied

$0

Good/Excellent

HSBC Cash Rewards Mastercard® credit card lets you earn 3% cash back on all purchases in the first 12 months from account opening, up to the first $10,000 in purchases. After that you will 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. This card has a 0% introductory APR for 12 months on purchases and balance transfers and a 15.24%, 19.24% or 25.24% variable APR after that. No foreign transaction fees, $0 liability for unauthorized purchases and $0 annual fee. Terms apply.

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 17.24-25.99%.
  • 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

17.24%-25.99% 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 17.24% - 25.99% variable APR for purchases and balance transfers kicks in.

Best Travel Bonus 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
  • 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
  • 25,000 online bonus points after 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. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 12 billing cycles for purchases

17.24% - 25.24% 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. If you are a Bank of America Preferred Rewards client, you can get a bonus of 25% - 75% more points on every purchase. 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 Flat-Rate Travel Card With No Annual Fee

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

  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • $0 annual fee and no foreign transaction fees
  • Earn a 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
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • 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

14.24% - 24.24% (Variable)

$0

Why we like it
  • Earn 1.25X miles on every purchase, every day.
  • Earn a 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 lets you earn 1.25X miles per dollar on every purchase and 10X miles on thousands of hotels through January 2020 (learn more at hotels.com/venture). 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 14.24% - 24.24% variable APR thereafter. One of the standout perks of this card is that you can transfer your miles to over 12 leading travel loyalty programs.

View Details

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 15.99% – 25.99% based on your creditworthiness.
  • Click “Apply Now” to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.99% – 25.99% based on your creditworthiness.*
APPLY NOWAt Citi's secure website

0% Intro APR on Balance Transfers for 18 months*

15.99%– 25.99% (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 15.99% - 25.99% 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 No Annual Fee Card For Restaurants & Groceries

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> SavorOne<sup>®</sup> 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; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% 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

16.24% - 26.24% (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 (16.24% - 26.24% variable APR after that), World Elite Mastercard® Benefits and no foreign transaction fees.

View Details

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 of Card Membership.
  • 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 other purchases.
  • 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
Terms Apply
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 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), payment flexibility, car rental loss and damage insurance, and more!

For rates and fees of the Blue Delta SkyMiles® Credit Card from American Express, 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 16.74% - 26.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, 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 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

16.74% - 26.74%* (Variable)

$0*

Why we like it
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, 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 16.74% - 26.74%* 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.

Best Low Interest Credit Cards With No Annual Fee

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 13.24%, 17.24% or 21.24% 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 13.24%, 17.24% or 21.24% 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 13.24%, 17.24% or 21.24% 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.

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.