Learn all about the best credit card with no annual fees!
If you’re looking for a good middle ground between maximizing rewards and minimizing costs, then consider signing up for a credit card with no annual fees. These cards usually don’t offer that big of a welcome bonus but are generally more lower cost, holding a pretty amount of value. In this guide, we’ll cover the best credit cards with no annual fees.
Summary
If you want more information on each card that we’ve listed then make sure to check out our reviews and posts about them.
| Citi Double Cash Card | Best for flat-rate rewards |
| Chase Freedom Flex | Best for rotating bonus category |
| Bank Of America Cash Rewards Credit Card | Best flexible rewards structure |
| Wells Fargo Propel American Express Card | Best for travel |
| Capital One VentureOne Rewards Credit Card | Best for airlines |
| Hilton Honors American Express Card |
Best for hotels |
| Capital One SavorOne Cash Rewards Credit Card | Best for dining & entertainment |
| Capital One Quicksilver Cash Rewards Credit Card | Best for credit card newbies |
| Discover It Student Cash Back |
Best for students |
| Ink Business Cash Credit Card | Best for small businesses |
 The Chase Freedom FlexSM offers a $200 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 19.24% - 27.99%. You'll earn: • 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! • 5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
The Best Credit Cards With No Annual Fees
The Citi Double Cash Card doesn’t come with any big bonus or perks. But this card is worth taking into account if you’re seeking a simple rewards card.
If you want more power to your cash rewards, you can convert them into Citi ThankYou points (if you have a card that earns Citi points). Then, you’ll be able to transfer to airline partner programs.
 With the Citi® Double Cash Card - 18 month BT offer: 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 Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness. This card comes with no annual fee. |
The Chase Freedom Flex has quarterly bonus categories that reward you with a high cash back earning rate. These categories are rotated every three months, and you have to remember to activate them to earn your bonus cash back.
To boost your redemption power, convert your cash back into Chase Ultimate Rewards points (if you have a card that earns Ultimate Rewards) and transfer them to a partner loyalty program.
The Chase Freedom FlexSM offers a $200 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 19.24% - 27.99%. You'll earn: • 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! • 5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
The Bank Of America Cash Rewards Credit Card has a flexible rewards structure that lets you choose your cashback bonus category every quarter.
Like other BofA cards, you can take advantage of the Preferred Rewards program to give your earnings a boost. If you’re a Preferred Rewards Platinum Honors member, this option is considered to be the most rewarding cash back card out there with no annual fee.
The Wells Fargo Propel American Express Card is the most generous travel rewards card on the market without an annual fee. You’ll get a solid sign-up bonus, a 0% intro APR period and points on a wide variety of spending.
The Capital One VentureOne Rewards Credit Card is best suited for beginner travelers who want a low-cost card to earn miles on every purchase. We especially like it because you can transfer these miles to airline partners, boosting your rewards value potential.
 The Capital One VentureOne Rewards Card offers 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months. You'll earn: • 1.25 Miles per dollar on every purchase, every day. • 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card! |
The Hilton Honors American Express Card takes our top spot for no-annual-fee hotel cards for excellent reasons. It’s got a relatively high sign-up bonus, it has plenty of bonus spending categories, and it gives you automatic Hilton Honors elite status.
 The Hilton Honors American Express Card offers 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. You'll earn: • 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel and resorts within the Hilton Honors portfolio of brands. • 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations • 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. This card comes with annual fee and no foreign transaction fees, so you can enjoy international travel without additional fees on purchases made abroad. (See Rates & Fees) Terms Apply. |
The Capital One SavorOne Cash Rewards Credit Card gives excellent return on dining, entertainment, and groceries for a no-annual fee card. Plus the dining and entertainment categories are broadly defined and includes restaurants, takeout, concerts, sporting events, tourist attractions and more.
 The Capital One SavorOne Cash Rewards Credit Card offers a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months. You'll earn: • 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. • 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 • 8% cash back on Capital One Entertainment purchases This card comes with no annual fee and no foreign transaction fees. |
Similarly to the Chase Freedom, the Discover it Student Cash Back has rotating bonus categories that earn cash back at a generous rate. Additionally, at the end of your first year, Discover will match all the cash back you earned. This card is designed for students who are new or experiences with credit cards.
The Ink Business Cash Credit Card is ideal for small businesses that spend big on office supplies or telecom services. It also sports a big sign-up bonus and a 0% APR introductory period.
 The Ink Business Cash® Credit Card offers $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You'll earn 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, & 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. |
Bottom Line
Be sure to learn all about the perks and fees when choosing which credit card to open. Making an educated decision could help you maximize your spendings and get great rewards.
We included all of our favorite cards that offer good perks and bonuses, with no annual fee. For more credit cards, see our latest list of the best credit card bonuses!
