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 cash back TWICE. 1% when you buy plus 1% as you pay; 0% APR for 18 months on balance transfers
  • 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 15.74%– 25.74% based on your creditworthiness.
  • Regular APR
    15.74%– 25.74% (Variable)
  • Intro APR
    0% intro APR for 18 months on balance transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: 1.25X miles on every purchase; no annual fee; bonus of 20,000 miles once $1,000 is spent in first 3 months
  • $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
  • Regular APR
    13.74% - 23.74% (Variable)
  • Intro APR
    0% intro on purchases for 12 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: No annual fee, no penalty APR; free FICO® Score
  • 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, 14.74% – 24.74% 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
  • Regular APR
    14.74% - 24.74% Variable APR on purchases
  • Intro APR
    0% Introductory APR on purchases for 18 billing cycles; 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: 0% APR for 21 months on balance transfers and 12 months on purchases; no annual fee, late fee or penalty rate
  • 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 16.49% – 26.49%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.49% – 26.49%, based on your creditworthiness
  • Regular APR
    16.49% - 26.49%* (Variable)
  • Intro APR
    0%* for 21 months on Balance Transfers*; 0%* for 12 months on Purchases*
  • Annual Fee
    $0*
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: $200 bonus after spending $1,000 in first 90 days; no annual fee
  • 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 in the category of your choice, 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
  • Regular APR
    15.74% - 25.74% Variable APR on purchases
  • Intro APR
    0% Introductory APR on purchases for 15 billing cycles; 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Only card to round up rewards to nearest 10 points; 15,000 bonus points after spending $1,000 in first 3 months
  • The 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 15 months. After that, the variable APR will be 15.24% – 25.24%, based on your creditworthiness.
  • Regular APR
    15.24% - 25.24% (Variable)
  • Intro APR
    0% for 15 months on Purchases and Balance Transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: 1.5% cash back on all purchases; $150 bonus after spending $500 in first 3 months
  • 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
  • Regular APR
    15.74% - 25.74% (Variable)
  • Intro APR
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: No annual fee; 3% cash back on dining & entertainment; 2% on groceries; $150 cash bonus after spending $500 in first 3 months
  • 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
  • Regular APR
    15.74% - 25.74% (Variable)
  • Intro APR
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: 1.5 points per $1 spent; no annual fee; 25,000 bonus points after spending $1,000 in first 90 days
  • 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
  • Regular APR
    16.74% - 24.74% Variable APR on purchases
  • Intro APR
    0% Introductory APR on purchases for 12 billing cycles
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: No annual fee; earn 2 AAdvantage® miles for each $1 spent at grocery stores & on eligible American Airlines purchases
  • 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*
  • Regular APR
    17.74% - 25.74%* (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0*
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% intro APR for 12 months
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% – 24.90%, based
    on your creditworthiness
  • Earn $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
  • Regular APR
    14.90% - 24.90% (variable)
  • Intro APR
    0% APR for 12 months on purchases and balance transfers
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: No annual fee; 0% intro APR on purchases for 7 months; only student card to round up rewards to nearest 10 points
  • The Citi Rewards+℠ 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 16.24% – 26.24%, based on your creditworthiness
  • Regular APR
    16.24% - 26.24% (Variable)
  • Intro APR
    0% for 7 months on Purchases
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: No annual fee; earn 2% cash back on every purchase where Mastercard is accepted
  • Earn 2% cash back on every purchase everywhere Mastercard is accepted
  • Earn Cash Rewards every time you use your card – no purchase exceptions
  • Redeem Cash Rewards directly to your PayPal balance at any time – no redemption threshold
  • Regular APR
    Variable 22.24%, 26.24% or 29.24% (as of 1/1/2019)
  • Intro APR
    N/A
  • Annual Fee
    None
  • N/A
Best Card Features: No annual fee; earn 1% cash back on all purchases; pay on time to boost your cash back to 1.25% for that month
  • 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
  • Regular APR
    26.46% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: No Annual Fee
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
  • Regular APR
    10.99% - 21.99% Variable APR on purchases
  • Intro APR
    0% for 7 billing cycles
  • Annual Fee
    $0.00
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: No annual fee; earn 1.5 miles for every $1 spent; 20,000 mile bonus once you spend $3,000 within first 3 months
  • Earn 1.5 miles per $1 on every purchase
  • 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
  • Regular APR
    14.74% - 22.74% (Variable)
  • Intro APR
    0% on purchases for 9 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: No annual fee; earn 1.5% cash back for every $1 spent; $200 bonus once you spend $3,000 within first 3 months
  • 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; 14.74% – 22.74% variable APR after that
  • Regular APR
    14.74% - 22.74% (Variable)
  • Intro APR
    0% on purchases for 9 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: Rewards Points, No Annual Fee
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don’t expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You’ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • Regular APR
    13.99% - 23.99% Variable APR on purchases
  • Intro APR
    0% for 9 billing cycles
  • Annual Fee
    $0.00
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Rewards Points, No Annual Fee
  • 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 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 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center – powered by Expedia®.
  • Regular APR
    12.99% - 22.99% Variable APR on purchases
  • Intro APR
    0% for 9 billing cycles
  • Annual Fee
    $0.00
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Available for businesses with average credit; no annual fee; 1% cash back on all purchases
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase
  • Build business credit with responsible use
  • Regular APR
    24.74% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: No annual fee; access to higher credit line after making first 5 monthly payments on time
  • 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
  • Regular APR
    26.46% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit 640 - 699

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