Getting a credit card with no annual fees can be amazing. It will enable you to maximize the rewards and minimize the charges of the cards. Obviously, you’re not going to get a big welcome bonus with many perks. However, the lower cost cards still come with lots of value you can take advantage of.
Check out our list of the best credit card bonuses here.
Read below to see what our favorite no-annual-fee credit cards are and pick from one of them.
 The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
Best Credit Cards With No Annual Fees
This is a simple rewards card to sign up for. Additionally, it will give you more power to your cash rewards when you convert them into Citi ThankYou points.
It comes with quarterly bonus categories that will reward you high cash back earning rates. Normally, these categories rotate around every 3 months. Be sure that you remember to activate them so you can gain your bonus cash back.
To increase your redemption power, convert your cash back into Chase Ultimate Rewards points and transfer them to a partner loyalty program.
The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
When you use the Bank of America Cash Rewards credit card, it comes with a flexible rewards structure that enables you to pick your own bonus category each quarter.
Compared to other BoA cards, you’ll be able to make use of the Preferred Rewards program that will give your earnings a boost. Additionally, if you’re a Preferred Rewards Platinum Honors member, there aren’t more rewarding cashing cards to choose from.
This card offers $200 online cash reward bonuses for spending at least $1,000 in the first 90 days of having your account open. Plus, you’ll be able to get around 2% – 3% cash back rewards rate towards grocery stores, wholesale clubs, and a category of your choosing.
The Wells Fargo Propel American Express Card is one of the most generous travel rewards cards on the platform with no annual fees. There’s a pretty good bonus that’s included and have a 0% intro APR period and points with a range of spending options.
The Capital One VentureOne Rewards Credit card is great for people who are new to travelling and want a cheap card to earn miles on their transactions. This card is great since you’ll be able to transfer these miles towards airline partners and increase your rewards value.
 The Capital One VentureOne Rewards Card offers 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies You'll earn: • 1.25 Miles per dollar on every purchase, every day. • 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card! |
With the Hilton Honors American Express card, it’s one of the best cards in the market for hotel cards. They offer an amazing welcome bonus and comes with lots of different spending categories to choose from. Not to mention, you’ll receive an automatic Hilton Honors elite status as well.
 The Hilton Honors American Express Card offers 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 your first 6 months of Card Membership. Offer Ends 4/29/2025. You'll earn: • 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. • 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. • 3X Points for all other eligible purchases on your Card. Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year. This card comes with $0 annual fee and no foreign transaction fees, so you can enjoy international travel without additional fees on purchases made abroad. (See Rates & Fees) Terms Apply. |
The Capital One SavorOne Cash Rewards Credit Card is great when it comes to return on dining, entertainment, and groceries. Additionally, their categories are very broad and will include restaurants, takeout, concerts, sporting events, tourist attractions, etc.
 The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
It’s a very straightforward credit card to own. Their earning structure is easy to understand, you’ll get a flat rate cash back towards each transaction you make.
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
Similar to the Chase Freedom Card, Discover it Student Cash Back comes with rotating bonus categories that will allow you to earn cash back with a good rate. Not to mention, when your first year is over, Discover will match all the cash back you’ve earned.
 With the Discover it® Student Cash Back: • Earn 5% Cash Back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases — automatically. • Low Intro APR: 0% Intro APR for 6 months on purchases, then a variable rate, currently 15.24% to 24.24% APR, applies. • Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years. • With Cashback Match™, Discover will match all the cash back you've earned at the end of your first year, automatically. • No Annual Fee. • Terms Apply. • See Rates & Fees |
This card will cater towards small businesses that spend more towards office supplies or telecom services. Additionally, it comes with a huge welcome bonus and a 0% APR intro period as well.
 The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll earn: • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. |
Additional Guides
Here are some extra guides to help you find the best credit card suited for your needs.
- Best Airline Credit Cards for Travel Benefits and Rewards.
- Hotel Credit Cards for Travel Benefits + Rewards.
- Travel Credit Cards: Rewards and Benefits.
- Best Travel Rewards Credit Cards for Family Vacations.
- Credit Cards with No Foreign Transaction Fees.
- Best Rewards Credit Cards: Cash, Points, Miles, & Benefits
- Cash Back Credit Cards: Welcome Bonuses, Rewards
- Best Dining Credit Cards: Restaurant Points, Rewards & Cash Back
- Grocery Credit Cards: Co-Branded, Cashback & Rewards
- Best Small Business Credit Cards: Points, Miles & Rewards
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Conclusion
Now, with our list of the best credit cards with no annual fees, you’ll be able to choose which one will match your needs the most. Every card will come with their own perks and features that you’ll be able to take advantage of. Furthermore, having no annual fees on your credit card enables you to earn more towards the category you want.
