Credit Cards with No Annual Fee

Advantages of No-Annual-Fee Cards

No-annual-fee credit cards offer several advantages that make them appealing to a wide range of consumers. Here are some key advantages of choosing a credit card with no annual fee:

Cost Savings: The most obvious benefit is that you won’t have to pay an annual fee to use the credit card. This can result in significant cost savings over time, especially for individuals who don’t use credit cards frequently or extensively.

Accessible for All Credit Levels: No-annual-fee cards are often more accessible to individuals with various credit levels, including those who are building or repairing their credit. These cards may have fewer stringent eligibility requirements compared to premium cards with annual fees.

Simple and Straightforward: No-annual-fee cards are straightforward, with fewer costs to consider. There are no hidden fees related to annual membership, making it easier for cardholders to understand and manage their expenses.

Ideal for Infrequent Card Users: If you use a credit card infrequently or primarily for emergencies, a no-annual-fee card can be a cost-effective option. You won’t incur charges simply for holding the card.

Introductory Offers: Some no-annual-fee cards still come with introductory offers, such as 0% APR for a certain period or rewards programs. This allows users to benefit from perks without the commitment of an annual fee.

Building Credit History: For individuals looking to or establish or improve their credit history, no-annual-fee cards can provide an entry point into the world of credit without the burden of an annual fee.

Backup Card: Having a no-annual-fee card as a backup can be convenient. Even if you primarily use another card, a no-annual-fee card can serve as a spare in case of emergencies or situations where your primary card may not be accepted.

List of Credit Cards with No Annual Fee

Here is a list of available personal credit cards that have no annual fee:

Citi Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 17.74% - 27.74% (variable) applies. (rates & fees)	$0
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 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. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. 0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 18.24% - 28.24% (variable) applies. (rates & fees)	$0
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases No foreign transaction fees	$0 rates & fees
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on qualifying balance transfers for 21 months. After the intro period ends, the go-to rate of 17.24% - 27.99% (variable) applies. (rates & fees)	$0

Chase Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.74% - 28.49% variable applies.	$0
	United Gateway℠ Card	Limited-time Offer: Earn 30,000 bonus miles 2x miles on United purchases 2x miles at gas stations 2x miles on local transit and commuting 1x mile on all other purchases 0% on purchases for 12 months. After the intro period ends, the go-to rate of 21.24% - 28.24% variable applies.	$0
	IHG One Rewards Traveler Credit Card	80,000 Bonus Points 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases No foreign transaction fees	$0
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases 0% on purchases for 12 months. After the intro period ends, the go-to rate of 17.74% - 25.74% variable applies.	$0
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business 0% on purchases for 12 months. After the intro period ends, the go-to rate of 17.74% - 23.74% variable applies.	$0

American Express Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. 0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.49% - 25.49% variable applies. (rates & fees)	$0
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. 0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 17.49% - 25.49% variable applies. (rates & fees)	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.24% - 29.24% variable applies. (rates & fees)	$0
	Hilton Honors American Express Card	80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. 3X Points for all other eligible purchases on your Card. No foreign transaction fees	$0 rates & fees
	Delta SkyMiles® Blue American Express Card	10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. 2X Miles per dollar spent on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and 1X Mile on all other eligible purchases. No foreign transaction fees	$0 rates & fees

Synchrony Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	Synchrony Premier World Mastercard®	2% cash back* on every purchase--no categories, tiers, or limits--no kidding. Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember. Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.	$0

USAA Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	USAA Preferred Cash Rewards Credit Card	Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back. Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening. No foreign transaction fees Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$0 (rates & fees)
	USAA Rate Advantage Credit Card	No foreign transaction fees Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents. 0% on balance transfers for 15 months (rates & fees) Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.	$0 (rates & fees)

Additional Credit Cards with No Annual Fee

In addition to the above offers, many other no-annual-fee credit cards feature excellent rewards too.

>> Click here to see more credit cards with no annual fee <<