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No Annual Fee Credit Cards

Learn More About No Annual Fee Credit Cards

A great number of credit cards no longer charge an annual fee. Why pay the issuer a fee to use their credit card? These are the best credit cards which have no annual fee.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

Best Card Features:
  • 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 15.74% – 25.74% based on your creditworthiness*
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    15.74% - 25.74%* (Variable)
  • Intro APR:
    0% intro APR for 18 months on balance transfers*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    14.74%-27.24% (Variable)
  • Intro APR:
    0% intro APR on purchases & balance transfers for 12 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Enjoy a one-time 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 and pay no annual fee. Plus 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    14.24% - 24.24% (Variable)
  • Intro APR:
    0% intro on purchases for 12 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% – 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    15.24% - 25.24% Variable
  • Intro APR:
    0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 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 16.24% – 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    16.24% - 26.24%* (Variable)
  • Intro APR:
    0%* for 21 months on Balance Transfers*; 0%* for 12 months on Purchases*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    16.24% - 26.24% Variable
  • Intro APR:
    0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    16.24%-28.24% (Variable)
  • Intro APR:
    0% intro APR on purchases & balance transfers for 12 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    15.24% - 25.24% (Variable)
  • Intro APR:
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    15.24% - 25.24% (Variable)
  • Intro APR:
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 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 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    17.24% - 25.24% Variable
  • Intro APR:
    0% introductory APR for 12 billing cycles for purchases
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Introducing the New Citi Rewards+℠ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 12 months. After that, the variable APR will be 15.74% – 25.74%, based on your creditworthiness.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    15.74% - 25.74% (Variable)
  • Intro APR:
    0% for 12 months on Purchases and Balance Transfers
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
  • Low 14.24% variable APR on purchases and cash advances
  • No annual fee
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    14.24% Variable
  • Intro APR:
    0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply. Within 45 days of account opening
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 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 Platinum Visa® Credit Card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    17.74%-27.24% (Variable)
  • Intro APR:
    0% introductory APR on purchases and balance transfers for 18 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases*
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    18.24% - 26.24%* (Variable)
  • Intro APR:
    N/A
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% – 25.15%, based on your creditworthiness
  • Earn a $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    15.15% - 25.15% (variable)
  • Intro APR:
    0% APR for 12 months on purchases and balance transfers
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Introducing the New Citi Rewards+SM Student Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
  • Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
  • 0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.74% – 26.74%, based on your creditworthiness
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    16.74% - 26.74% (Variable)
  • Intro APR:
    0% for 7 months on Purchases
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • No interest if paid in full within 6 months* on purchases of $299 or more. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 6 months.
  • Up to 24-Month Financing* on qualifying purchases during special promotions. The more you spend, the longer you may have to pay us back.
  • Access to exclusive department financing offers and savings throughout the year; including up to 24-month financing* on qualifying purchases and discounts on select products/installations
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    View Rates & Fees
  • Intro APR:
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    26.96% (Variable)
  • Intro APR:
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Fair Credit
Best Card Features:
  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    11.49% - 22.49% Variable
  • Intro APR:
    0% on purchases for 7 billing cycles
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won’t expire for the life of the account, and there are no categories to limit where or what you buy
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    15.24% - 23.24% (Variable)
  • Intro APR:
    0% on purchases for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 15.24% – 23.24% variable APR after that
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    15.24% - 23.24% (Variable)
  • Intro APR:
    0% on purchases for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don’t expire.
  • 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    13.49% - 23.49% Variable
  • Intro APR:
    0% on purchases for 9 billing cycles
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire.
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center – powered by Expedia®.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    13.49% - 23.49% Variable
  • Intro APR:
    0% Introductory APR on purchases for your first 9 billing cycles
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    25.24% (Variable)
  • Intro APR:
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Fair Credit
Best Card Features:
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    26.96% (Variable)
  • Intro APR:
    N/A
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Fair Credit