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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 Flat-Rate Cash Back Card With No Annual Fee

    This Card Is Right for You If:

    You're looking for a straightforward cash back card with no annual fee. It's hard to do better than Citi® Double Cash, which allows you to earn up to 2% back on every purchase you make—one of the best rates around. You earn 1% back when you make the purchase and 1% back when you pay it off. While it's not the card you want to take with you on your European vacation—you'll pay a 3% foreign transaction fee when you travel abroad—it's perfect for everyday purchases in the U.S.

    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. Discover 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.

    This Card Is Right for You If:

    You want to earn cash back in rotating bonus categories and want an intro bonus soon after you open the account. With Chase Freedom®, you'll earn 1% back on all purchases and 5% back on up to $1,500 in combined purchases in bonus categories each quarter you activate. You're also eligible for a $150 intro bonus after you spend $500 in purchases on the card within the first three months of account opening.

    Best 0% Intro APR Card With No Annual Fee

    This Card Is Right for You If:

    You need a card to help you finance a big purchase over time. This card doesn't come with a lot of frills or rewards, but its no-fee structure and excellent introductory 0% APR on both purchases and balance transfers for 18 month is hard to beat. If you use your Wells Fargo Platinum Visa card to pay for your monthly cell phone bill, you'll be covered for up to $600 if the phone is damaged or stolen (with a $25 deductible).

    Best 0% Intro APR Card for Balance Transfers With No Annual Fee

    This Card Is Right for You If:

    You're looking for a balance transfer card with the longest 0% APR intro rate possible. You can't beat this offer's 21 months of 0% APR on balance transfers completed in the first four months from account opening. You will pay a 5% balance transfer fee, but that's one of the few fees assessed by the card. You won't pay late fees, annual fees or a penalty rate.

    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 1.25 miles per $1 spent on all purchases, but you earn 10 miles per $1 spent on hotels booked through hotels.com/venture until January 2020. You're also eligible to earn a sign-up bonus of 20,000 miles once you spend $1,000 in purchases within the first three 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 Travel and Dining Rewards Card With No Annual Fee

    This Card Is Right for You If:

    You want to earn rewards on travel and dining spending without paying an annual fee. You earn 3 points per $1 spent on travel purchases (including flights, hotels, homestays and car rentals); on eating out and ordering in; and at gas stations, on rideshares and on transit. You earn 1 point per $1 spent on everything else. You can also earn 30,000 bonus points when you spend $3,000 in purchases within the first three months of account opening. Rewards can be redeemed for cash back statement credits or for booking travel through Wells Fargo.

    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 $150 bonus after you spend $500 in purchases within the first three 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 get access to a higher credit line once you make your first five monthly payments on time.

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