No annual fee credit cards are popular with consumers for good reason—without the annual fee, you can avoid paying hundreds of dollars each year that you could be using to get something else in return. Most major banks offer their own no annual fee credit cards, which makes it easy to find one that fits your needs, whether you’re looking for cash back rewards or just want an easy way to keep track of your expenses each month. Here are some of the best no annual fee credit cards from your favorite banks to consider next time you’re in the market for a new card.
Capital One Quicksilver Cash Rewards Credit Card
The best no annual fee credit card that we have come across is Capital One’s Quicksilver Cash Rewards Credit Card and the favorite card that we have chosen. Quicksilver Rewards gives you the opportunity to earn unlimited cash back on all purchases, has an introductory APR on new purchases, and usually has low fees. In addition to its generous cash back structure, this card also waives any foreign transaction fees, making it an excellent card for traveling abroad.
The Capital One Quicksilver Cash Rewards Credit Card offers a great way to earn cash back on every purchase, with no annual fee. You’ll also get a 0% intro APR on purchases and balance transfers for 15 months, plus access to your account through mobile banking. Bank of America offers a similar card with no annual fee and a 0% intro APR on purchases and balance transfers for 12 months.
Capital One SavorOne Cash Rewards Credit Card
For someone who doesn’t want to pay an annual fee, Capital One SavorOne Cash Rewards Credit Card is our choice for the best no annual fee card. It offers 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus an 8% rebate on tickets purchased through Vivid Seats.
The SavorOne Cash Rewards Credit Card is a good option for those who want to get rewards on both dining and entertainment, as well as groceries. There are no categories, but you can earn 3% cash back on all your purchases. The only downside is that there’s no sign-up bonus, and balance transfers cost $5 or 5%, whichever is greater. Unlike many of its competitors, Capital One does not allow you to pay over time if you decide to transfer a balance.
Chase Freedom Unlimited
Chase Freedom Unlimited wins because of its bonus categories and unlimited 1.5% cash back on all other purchases. You can also earn a $200 bonus if you spend $500 within 3 months of opening the account. Get 5% cash back at gas stations for up to $6,000 purchases in the first year and 5% cash back on all travel purchases through Chase Ultimate Rewards. Both restaurants and takeout as well as delivery services offer 3% rewards. Drugstore purchases also offer 3% rewards. additionally, new cardholders qualify for an introductory 0% APR promotion on purchases for 15 months.
There’s no annual fee for your first year, and all purchases earn 1.5% cash back, which can be redeemed for any amount you choose. The card offers balance transfers with a low introductory APR of 0% for 15 months. You also get a free credit score and free online financial management tools when you sign up.
Bank of America Travel Rewards Credit Card
Among student credit cards with no annual fee, the Bank of America Travel Rewards for Students card provides the most features. Students can earn an unlimited 1.5x points on every purchase, with no expiration date. This card gives new cardholders the option of paying 0% interest on purchases for the first 15 billing cycles and it does not charge any foreign transaction fees. This card has no annual fee and will work everywhere in the world, earning cardholders rewards.
For students who prefer to shop online, there are several low annual fee credit cards available. Most feature cash back rewards programs and no foreign transaction fees. The Discover it Student Cash Back Card is one of our favorites because it gives cardholders 5% cash back on up to $1,500 in purchases made in rotating categories each quarter, with a maximum of $50 per quarter that can be earned. This card offers no annual fee and earns 1% cash back on all other purchases.
Citi Double Cash Card
Citi’s Double Cash Card offers unlimited 2% cash back on every purchase, making it the top no-fee card that offers the highest ongoing earnings. It gives you 1% cash back on every purchase and 1% for every payment toward your balance. With no spending categories, rewards caps, or annual fees, this card also has one of the longest 0% APR promotional offers of this list an 18-month, no-interest period on balance transfers.
Earn 2% cash back on every purchase: You’ll earn unlimited 2% cash back on every purchase with no annual fee. Plus, you get a 0% intro APR on balance transfers for 18 months and no-interest if paid in full within 18 months.
United Gateway Card
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Among the best airline credit cards without an annual fee, we recommend the United Gateway Card. It earns 2 miles per $1 spent at gas stations, at United stores, and on local transit and commuting. In addition, earn 30,000 bonus miles after spending $1,000 on purchases in the first 3 months of your account; United miles are worth an average of 1.3 cents.
The card has a $95 annual fee, but it also offers travel perks like free checked bags and priority boarding. You can also count on valuable travel protections that can save you time and money if you have to cancel or miss your flight. United miles are worth an average of 1.3 cents per mile, which means you can use them toward flights with more than 90 airline partners. The United Chase Business Card has no annual fee and rewards similar to those of its personal counterpart.
Hilton Honors American Express Card
American Express has been our favorite no annual fee hotel card for many years now. It’s because of its unmatched value in rewards, how easy it is to earn rewards, and how easy it is to redeem them. Not only is Hilton the largest hotel chain in the world, but it also appeals to avid hotel enthusiasts and those looking to rack up rewards for future stays.
Moreover, cardholders earn 12 times Hilton Honors Bonus Points for eligible purchases at U.S. restaurants, grocery stores, or gas stations; every dollar spent on wireless telephone services purchased directly from U.S. supermarkets will result in 6X Hilton Honors Bonus Points.