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Best no annual fee credit cards

Compare credit cards with a $0 annual fee that still earn rewards and offer intro APR periods.

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Showing 10 credit cards

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See details, rates & fees
Best for Cash Back

Great for flat-rate cash back

Everyday Unlimited Cash Back Card

4.5Editor rating

Editorial score from our team. Consumer reviews are not available for this offer.

Rewards rate
1.5% – 5% cash back
Annual fee
$0
Welcome bonus
$200
Estimated value
$200
  • Unlimited 1.5% cash back on every purchase
  • No rotating categories or earning caps
  • Cash back never expires while the account is open
Rewards
1.5% – 5% cash back
Welcome bonus
$200 after $500 in purchases in 3 months
Annual fee
$0
Intro APR
0% intro APR on purchases for 15 months
Regular APR
19.24% – 28.99% variable
Foreign transaction fee
3%
Credit score requirement
Good (690–719)
Balance transfer fee
3% intro, then 5%

Benefits

  • Unlimited 1.5% cash back on every purchase
  • No rotating categories or earning caps
  • Cash back never expires while the account is open
  • Purchase protection
  • Extended warranty
  • Free credit score tracking

Redemption

Redeem any amount as a statement credit, direct deposit, or gift cards.

Important terms

Rates, fees and rewards are set by the issuer and may change. Always review the issuer's current terms before applying. Approval is never guaranteed.

0% for 21 monthsSee details, rates & fees
Limited Time Offer

Great for paying down balances

Balance Shift Transfer Card

4.3Editor rating

Editorial score from our team. Consumer reviews are not available for this offer.

Rewards rate
No rewards program
Annual fee
$0
Welcome bonus
None
Estimated value
—
  • A long intro balance transfer window to pay down debt
  • No annual fee while you work the balance down
  • Free access to your credit score
Rewards
No rewards program
Welcome bonus
None
Annual fee
$0
Intro APR
0% intro APR on balance transfers for 21 months
Regular APR
18.24% – 28.99% variable
Foreign transaction fee
3%
Credit score requirement
Good (690–719)
Balance transfer fee
3% intro fee for 4 months, then 5%

Benefits

  • A long intro balance transfer window to pay down debt
  • No annual fee while you work the balance down
  • Free access to your credit score
  • Flexible payment due date
  • Fraud alerts
  • Digital card controls

Redemption

No rewards program; the value is in the intro APR window.

Important terms

Rates, fees and rewards are set by the issuer and may change. Always review the issuer's current terms before applying. Approval is never guaranteed.

See details, rates & fees

Great for business cash back

Platinum Business Cash Card

4.3Editor rating

Editorial score from our team. Consumer reviews are not available for this offer.

Rewards rate
1.5% – 5% cash back
Annual fee
$0
Welcome bonus
$300
Estimated value
$300
  • Elevated cash back on office, shipping and ads
  • No annual fee for the business
  • Employee cards at no extra cost
Rewards
1.5% – 5% cash back
Welcome bonus
$300 after $3,000 in purchases in 3 months
Annual fee
$0
Intro APR
0% intro APR on purchases for 9 months
Regular APR
18.49% – 26.49% variable
Foreign transaction fee
None
Credit score requirement
Good (690–719)
Balance transfer fee
3% of the amount transferred

Benefits

  • Elevated cash back on office, shipping and ads
  • No annual fee for the business
  • Employee cards at no extra cost
  • Accounting software export
  • Spend limits per card
  • Year-end tax summary

Redemption

Statement credits or deposits to a linked business account.

Important terms

Rates, fees and rewards are set by the issuer and may change. Always review the issuer's current terms before applying. Approval is never guaranteed.

See details, rates & fees
No Annual Fee

Great for everyday spending

Zero Annual Fee Rewards Card

4.2Editor rating

Editorial score from our team. Consumer reviews are not available for this offer.

Rewards rate
2x points on all purchases
Annual fee
$0
Welcome bonus
20,000 points
Estimated value
$200
  • Flat 2x points with no categories to track
  • No annual fee and no foreign transaction fee
  • Points can be redeemed for cash or travel
Rewards
2x points on all purchases
Welcome bonus
20,000 points after $1,000 in purchases in 3 months
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months
Regular APR
18.99% – 27.99% variable
Foreign transaction fee
None
Credit score requirement
Good (690–719)
Balance transfer fee
3% of the amount transferred

Benefits

  • Flat 2x points with no categories to track
  • No annual fee and no foreign transaction fee
  • Points can be redeemed for cash or travel
  • Cell phone protection
  • Roadside dispatch
  • Zero liability fraud protection

Redemption

Points redeem at 1 cent each for statement credits or travel.

Important terms

Rates, fees and rewards are set by the issuer and may change. Always review the issuer's current terms before applying. Approval is never guaranteed.

See details, rates & fees

Great for gas and groceries

Fuel & Grocery Cash Back Card

4.2Editor rating

Editorial score from our team. Consumer reviews are not available for this offer.

Rewards rate
3% – 5% cash back in rotating categories
Annual fee
$0
Welcome bonus
$150
Estimated value
$150
  • Elevated cash back on gas and grocery purchases
  • No annual fee
  • Intro APR window on new purchases
Rewards
3% – 5% cash back in rotating categories
Welcome bonus
$150 after $500 in purchases in 3 months
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months
Regular APR
18.24% – 27.24% variable
Foreign transaction fee
3%
Credit score requirement
Good (690–719)
Balance transfer fee
3% of the amount transferred

Benefits

  • Elevated cash back on gas and grocery purchases
  • No annual fee
  • Intro APR window on new purchases
  • Mobile wallet support
  • Purchase alerts
  • Free FICO score

Redemption

Statement credits or direct deposit. No minimum redemption.

Important terms

Rates, fees and rewards are set by the issuer and may change. Always review the issuer's current terms before applying. Approval is never guaranteed.

See details, rates & fees

Great for large planned purchases

Flex 0% Intro APR Card

4.1Editor rating

Editorial score from our team. Consumer reviews are not available for this offer.

Rewards rate
1% – 3% cash back
Annual fee
$0
Welcome bonus
$150
Estimated value
$150
  • Long 0% intro APR on new purchases
  • Cash back on everyday categories
  • No annual fee
Rewards
1% – 3% cash back
Welcome bonus
$150 after $1,000 in purchases in 3 months
Annual fee
$0
Intro APR
0% intro APR on purchases and transfers for 18 months
Regular APR
19.99% – 29.24% variable
Foreign transaction fee
3%
Credit score requirement
Good (690–719)
Balance transfer fee
3% of the amount transferred

Benefits

  • Long 0% intro APR on new purchases
  • Cash back on everyday categories
  • No annual fee
  • Purchase protection
  • Extended warranty
  • Contactless payments

Redemption

Statement credits, direct deposit or gift cards.

Important terms

Rates, fees and rewards are set by the issuer and may change. Always review the issuer's current terms before applying. Approval is never guaranteed.