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Best Credit Cards With No Annual Fee

If you don't want to pay for the privilege of opening a credit card, these picks from our partners are the best cards available with no annual fee.

    Best Cash Back Card With Bonus Categories and No Annual Fee

    This Card Is Right for You If:

    You want to earn extra cash back in rotating bonus categories. gives you 1% back on all purchases and 5% back on up to $1,500 each quarter in purchases in rotating categories like gas stations, grocery stores, restaurants and more. (You must activate the quarterly bonus categories to earn the 5%.) You're also eligible for a unique bonus: Discover will automatically match all the cash back new cardmembers earn—with no limit—in their first year of account opening.

    Best Travel Card for Hotel Rewards With No Annual Fee

    This Card Is Right for You If:

    You want a travel rewards card that earns you extra miles for booking hotels. With this card, you earn 1.25X miles per $1 spent on all purchases. You're also eligible to earn a sign-up bonus of 20,000 miles once you spend $500 in purchases within the first 3 months of account opening. That's worth $200 in travel. To redeem miles, you simply pay for travel purchases with the card and use your miles to get statement credits against those purchases. This card charges no foreign transaction fees, and you can also transfer your miles to more than 12 leading travel loyalty programs.

    Best Card for Dining and Entertainment Cash Back With No Annual Fee

    This Card Is Right for You If:

    You spend a lot of money on dining, entertainment and groceries. You earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. You can also earn a $200 bonus after you spend $500 in purchases within the first 3 months of account opening.

    Best Secured Card With No Annual Fee

    This Card Is Right for You If:

    You want to build credit history, earn cash back on your spending, and hope to transition to an unsecured line of credit. This is hands-down one of the best secured cards on the market: There's no annual fee, and you earn 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases every quarter) and 1% back on all other purchases. Discover will also automatically match all the cash back new cardmembers earn at the end of their first year. After you've had the card for eight months, Discover will review your account to determine whether it will transition you to an unsecured line of credit (and refund your deposit). Note: You must have a bank account to be eligible for this card.

    Best Card for Fair Credit With No Annual Fee

    This Card Is Right for You If:

    Your credit is less than stellar and you want a no-frills card from a major issuer. You won't pay any annual or foreign transaction fees with this card, but you won't earn any rewards either. Keep in mind that the APR is on the higher side, so it's best if you don't carry a balance. You can also be considered for a higher credit line in as little as six months.