Best no annual fee credit cards of 2024

Maximize your rewards without breaking your budget. Get matched to credit cards from our partners based on your unique credit profile.

Pay no annual fee

No annual fees make it easy to start your credit journey with no upfront cost.

Get rewards with no annual fee

Put money back in your pocket with a credit card that offers rewards and no annual fee.

Save money with no annual fees

You don’t have to spend money to save money with these credit cards.

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All no annual fee credit cards

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Blue Cash Everyday® Card from American Express

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.24%-29.99% Variable

Rewards:

1%-3% (cash back)

Annual Fee:

$0

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don't pay off your balance in full each month. It doesn't include the card's annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards including purchase, balance transfer and cash advance.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they're approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

Rewards credit cards reward you with cash back, points or miles equal to a percentage of each dollar you spend, which may be a rate of 1% to 2%. Some rewards credit cards reward spending in categories such as gas, groceries and dining at a significantly higher rate—3% to 6%, for example. Look for rewards that align with what you spend the most on.

Capital One SavorOne Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1%-8% (cash back)

Annual Fee:

$0

Hilton Honors American Express Card

Intro bonus:

Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Rewards:

3x-7x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0

Capital One VentureOne Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.25x-5x (Miles per dollar)

Annual Fee:

$0

AT&T Points Plus® Card from Citi

Intro bonus:

Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

21.24% - 29.24% (Variable)

Annual Fee:

N/A

Wells Fargo Reflect® Card

Intro APR:

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Ongoing APR:

18.24%, 24.74%, or 29.99% Variable APR

Rewards:

N/A*

Annual Fee:

$0

Citi Double Cash® Card

Intro APR:

0% for 18 months on Balance Transfers

Ongoing APR:

19.24% - 29.24% (Variable)

Rewards:

2% (cash back)

Annual Fee:

$0

Capital One Quicksilver Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.5%-5% (cash back)

Annual Fee:

$0

Citi Rewards+® Card

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

18.74% - 28.74% (Variable)

Rewards:

1x-2x (Points per dollar)

Annual Fee:

$0

Citi Custom Cash® Card

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

19.24% - 29.24% (Variable)

Rewards:

1%-5% (cash back)

Annual Fee:

$0

Capital One VentureOne Rewards for Good Credit

Intro bonus:

N/A

Rewards:

1.25x-5x (Miles per dollar)

Ongoing APR:

29.99% (Variable)

Annual Fee:

$0

AvantCard

Intro bonus:

N/A*

Rewards:

N/A*

Ongoing APR:

35.99%* Variable

Annual Fee:

$0*

Wells Fargo Autograph℠ Card

Intro bonus:

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

20.24%, 25.24%, or 29.99% Variable APR

Annual Fee:

$0

Citi® Diamond Preferred® Card

Intro APR:

0% for 21 months on Balance Transfers and 12 months on Purchases

Ongoing APR:

18.24% - 28.99% (Variable)

Rewards:

N/A*

Annual Fee:

$0

American Airlines AAdvantage® MileUp® Card logo.

American Airlines AAdvantage® MileUp® Card

Intro bonus:

Earn 15,000 American Airlines AAdvantage® bonus miles after making $500 in purchases within the first 3 months of account opening

Rewards:

1x-2x (Miles per dollar)

Ongoing APR:

21.24% - 29.99% (Variable)

Annual Fee:

$0

Credit One Bank® Secured Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$0

AvantCard logo.

AvantCard

Intro bonus:

N/A*

Rewards:

2% (cash back)

Ongoing APR:

29.74%* Variable

Annual Fee:

$0*

Wells Fargo Active Cash® Card

Intro APR:

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Ongoing APR:

20.24%, 25.24%, or 29.99% Variable APR

Rewards:

2% (Cash Rewards)

Annual Fee:

$0

Delta SkyMiles® Blue American Express Card

Intro bonus:

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Rewards:

1x-2x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0

Credit One Bank American Express® Unlimited Rewards Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$0

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

ΘCredit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

How to find the best no annual fee credit card

1

Know your spending habits

Choose a card that matches your financial needs.

2

Look for the best rewards

See which card will earn you more on what you already buy.

3

Consider a 0% APR card

Make a big purchase and save on interest for a year or more.

Start with your FICO® ScoreΘ and see card offers matched to your credit profile.

Get started for free

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Frequently asked questions

An annual fee is a yearly charge that some credit cards charge to borrowers. When you sign up for a credit card that has an annual fee, you'll be required to pay the annual fee when you first receive your credit card (though some credit cards waive the first year's fee as a new applicant perk). Then, you'll pay the annual fee again each cardholder anniversary. Annual fees can range from $39 to upwards of $500.

There are two main reasons that a credit card may include an annual fee.

First, some credit cards offer highly desirable perks, such as valuable cash back, miles, points or other rewards benefits. The annual fee helps the credit card issuer offset the cost of these competitive benefits. As a borrower, you might find that the value you get out of these rewards is enough to justify paying the annual fee.

Second, some credit cards tailored to borrowers with no credit history or with poor credit charge an annual fee. While these credit-building credit cards may not offer the same rewards that other annual fee cards do, you may decide to go this route in order to improve your credit. That said, you can also build your credit with a secured credit card, which may not include an annual fee.

You'll typically pay the annual fee on a new credit card within the first month after you sign up for the card. Then, you'll be charged the annual fee as a lump sum once every 12 months. The annual fee will show up as a charge on your credit card statement.

No annual fee means that a credit card doesn't charge you a yearly fee simply for using your card. This can offer you more flexibility, as you won't need to get the most use out of your card in order to compensate for the cost of keeping it open.

On the other hand, no annual fee cards can have other types of credit card fees, such as regular purchase APR, foreign transaction fees or returned payment fees. What makes these charges different is that, unlike if a card charges an annual fee, you can avoid paying if you don't carry a credit card balance and read the credit card agreement to understand the terms before you use your card.

While it can sometimes be the case that a no annual fee card doesn't offer the same beefy rewards as one with a yearly charge, this isn't always true. You can find a no annual fee card with the rewards that add the most value to your spending.

For example, you can find a credit card with cash back rewards for the spending you already do. Or, you can find a credit card with a hefty intro bonus and 0% APR introductory period to make the most out of a large purchase. Ultimately, you should apply for the credit card that offers you the highest overall value.

While there's no guarantee that you'll be able to get your card's annual fee waived, it doesn't hurt to try. You may be able to leverage your relationship with your credit card company to ask them to waive the fee. For example, if you call your credit card company and explain that you're considering closing your card because it's too expensive to keep it open, they may offer to waive the fee for a year in order to keep your business.

Here are two main reasons to choose a no annual fee credit card:

  1. You don't feel comfortable paying an annual fee. Whether you're a big credit card spender or not, you may just not like the idea of paying a charge simply to have a certain credit card. Fortunately, there are no shortage of no annual fee credit card options to choose from.
  2. You don't use the credit card often enough to justify paying a fee. Maybe you only use your credit card once in a blue moon or keep it in your wallet as an emergency only payment option. If that's the case, paying an annual fee could mean taking a financial loss each year. A no annual fee card would work just as well for you, and you wouldn't have to worry about the yearly expense.

Yes, it's possible to get a credit card with no annual fee if you have bad credit. That said, your options will be more limited. You should consider looking for no annual fee cards specifically designed for applicants who need to improve their credit.