11 Best No Annual Fee Credit Cards

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There are a lot of great no-annual-fee credit cards on the market these days.

If you’re looking for a new credit card and don’t want to pay an annual fee, then read on.

We’ve compiled a list of the best no-annual-fee credit cards available, so you can find one that meets your needs.

Whether you’re looking for a card that earns cash back or one with rewards, we have you covered.

So take a look at our list and find the perfect credit card for you!

1. Citi Double Cash

2% Cash Back & No Annual Fee
Citi® Double Cash Card – 18 Month BT Offer
  • 2% Cash Back (1% on Purchases, 1% When You Pay)
  • 0% Intro APR on Balance Transfers for 18 months. After That, a Variable APR of 17.74% – 27.74%
  • No Annual Fee
Learn More Our Review

The Citi® Double Cash Card – 18 month BT offer boasts a strong 2% rewards rate on purchases, where you get 1% back when you buy and 1% when you pay. 

This zero-annual-fee card offers a solid earning potential as long as you pay your balance on time, and it provides a simple way to rack up points with no bonus categories to track. 

You can also boost your rewards by also holding the Citi Premier® Card (review), which allows you to transfer points to airline and hotel programs. This combination effectively allows you to earn 2 airline miles per dollar on all spending with the Citi Double Cash.

2. Bilt Rewards

No Annual Fee
Bilt Rewards Mastercard
  • Pay Rent Without Fees and Earn 1x Points
  • No Annual Fee
  • 3x Points on Dining
  • 2x Points on Travel
  • Transfer Rewards to Airlines and Hotels
  • Cell Phone, Primary Rental Car, and Trip Delay Insurance
Learn More Our Review

Bilt Rewards is a no-annual-fee credit card that allows you to pay rent without a transaction fee and earn 1 point per dollar on rent. You also earn 3x points on dining, 2x points on travel, and 1x points everywhere else.

The Bilt Rewards card also comes with great benefits for a no annual fee card including cell phone insurance, primary rental car insurance, 90-day purchase protection, trip delay insurance, trip cancellation insurance, and no foreign transaction fees. 

Plus, you can transfer your points to airline and hotel partners such as United Airlines, American Airlines, and World of Hyatt. Or redeem the points for travel or at Amazon.

3. Citi Custom Cash

5% Cash Back in Top Category
Citi Custom Cash℠ Card
  • Earn $200 Cash Back After Spending $1,500 in the First Six Months
  • 5% Cash Back on Purchases in Your Top Eligible Spend Category Each Billing Cycle up to $500 (1% after that)
  • 0% Intro APR for 15 Months on Purchases and Balance Transfers ($5 or 5% fee). After that, a variable APR of 17.74% – 27.74% applies.
  • No Annual Fee
Learn More Our Review

The Citi Custom Cash℠ Card is a no-annual-fee card that earns 5% cash back in your top spending category each billing cycle.

Eligible 5% cash back categories include restaurants, gas stations, grocery stores, select travel, home improvement stores, drug stores, select transit, select streaming, fitness clubs, and live entertainment.

This allows you to turn the Custom Cash into your 5% cash back card for gas stations, restaurants, grocery stores, or several other categories.

4. Chase Freedom Flex

5% Back in Quarterly Categories
Chase Freedom Flex℠
  • Earn $200 Bonus Cash Back After Spending $500 in the First 3 Months
  • 5% Cash Back in Quarterly Bonus Categories (up to $1,500 in combined spending after activation)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants, Eligible Food Delivery, and Drug Stores
  • Cell Phone Insurance and Purchase Protection
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Flex℠ is a great no-annual fee card that earns 5% cash back in quarterly categories (up to $1,500 in combined spending) and on travel purchased via Chase Ultimate Rewards.

The Freedom Flex also earns 3% cash back at restaurants, eligible food delivery, and drug stores.

The card also comes with nice benefits such as cell phone insurance, extended warranty, purchase protection, secondary rental car insurance, and trip cancellation/interruption insurance.

5. Freedom Unlimited

No Annual Fee
Chase Freedom Unlimited®
  • Earn an Additional 1.5% on All Purchases Up to $20,000 in the First Year ($300 Max Bonus)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants and Drug Stores
  • 1.5% Cash Back on All Other Purchases
  • 0% Intro APR for 15 Months (After the Intro Period, a Variable APR of 17.99% – 26.74% Applies)
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Unlimited® is a good no-annual fee credit card option that offers 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back at restaurants, takeout, eligible delivery services, and on drugstore purchases. Plus it offers 1.5% cash back on all other eligible purchases.

The Freedom Unlimited also offers nice benefits such as purchase protection, extended warranty, trip cancellation/interruption insurance, and secondary rental car insurance.

6. U.S. Bank Cash+ Visa Signature

U.S. Bank Cash+® Visa Signature® Card
  • Earn a $200 Bonus After Spending $1,000 in the First 120 Days
  • 5% Cash Back on the First $2,000 in Spending Each Quarter in Two Categories that You Choose
  • 2% Cash Back on one category like Gas Stations and EV Charging Stations, Grocery Stores, or Restaurants
  • No Annual Fee
Learn More

The U.S. Bank Cash+® Visa Signature® Card is a no-annual-fee card offering 5% cash back on:

  • Your first $2,000 in combined purchases each quarter in two categories that you choose.
  • Prepaid air, hotel, and car rental reservations booked directly in Rewards Travel Center.

You have the option to choose two of the following to earn 5% cash back: (1) Fast Food, (2) TV, Internet, and Streaming, (3) Cell Phone Providers, (4) Home Utilities, (5) Department Stores, (6) Electronic Stores, (7) Sporting Good Stores, (8) Movie Theaters, (9) Gyms/Fitness Centers, (10) Furniture Stores, (11) Ground Transportation, and (12) Select Clothing Stores.

You also have the option of choosing to earn 2% cash back for either: (1) grocery stores and grocery delivery, (2) restaurants, or (3) gas stations and EV charging stations. 

All other eligible purchases will earn 1% cash back.

You can also enjoy a valuable 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR applies, currently 16.74% to 26.74%. 

7. Capital One SavorOne Cash Rewards

No Annual Fee
Capital One SavorOne Rewards
  • Earn $200 Bonus Cash after Spending $500 in the First 3 Months
  • 8% Cash Back at Vivid Seats
  • 3% Cash Back on Dining, Entertainment, Streaming, and Grocery Stores
  • No Annual Fee
Learn More Our Review

The Capital One SavorOne is a no-annual-fee card that earns 3% cash back in four popular categories: dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).

The SavorOne also has nice perks such as no foreign transaction fees and extended warranty protection.

8. U.S. Bank Altitude Go

No Annual Fee
U.S. Bank Altitude Go
  • Earn 20,000 Points After Spending $1,000 in the First 90 Days
  • 4X Points on Dining, Takeout, and Food Delivery
  • 2X Points at Grocery Stores, Grocery Delivery, Streaming Services, Gas Stations, and EV Charging Stations
  • $15 Annual Streaming Credit
  • No Annual Fee
Learn More Our Review

The U.S. Bank Altitude® Go Visa Signature® Card is a no-annual-fee credit card offering 4x points (equivalent to 4% cash back) on dining, including take-out and food delivery.

Plus, cardmembers also get 2x points (equivalent to 2% cash back) at grocery stores, grocery delivery, streaming services, gas stations, and EV charging stations.

9. American Express Hilton Honors

No Annual Fee
Hilton Honors American Express Card
  • Earn 80,000 Points After $1,000 in Purchases in the First 3 Months.
  • 7X Points at Hilton Hotels and Resorts
  • 5X Points at U.S. Restaurants, U.S. Supermarkets, and U.S. Gas Stations
  • Complimentary Hilton Honors Silver Status
  • No Annual Fee and No Foreign Transaction Fees (Rates and Fees)
Learn More Our Review
Terms Apply

The Hilton Honors American Express is a great no-annual-fee card that earns 7x Hilton Honors points at Hilton properties and 5x points at restaurants, supermarkets, and gas stations in the U.S. 

This practical card also gets you complimentary Silver status, which comes with standard perks like a fifth night free on award stays and a 15% points bonus on Hilton stays. 

Plus, you have the opportunity to reach Gold status by spending $20,000 per year.  

10. Discover it

Discover it® Cash Back Credit Card
  • 5% Cash Back in Rotating Quarterly Categories up to $1,500 Each Quarter When You Activate Offer
  • 1% Cash Back On All Other Eligible Purchases
  • Cash Back Match for the First Year
  • No Annual Fee
Learn More Our Review

The Discover it® Cash Back Credit Card has no annual fee and provides 5% cash back on the first $1,500 in purchases that you make each quarter in certain categories.

The eligible 5% categories rotate quarterly and require enrollment. You’ll earn 1% cash back on all other purchases.

11. Citi American Airlines AAdvantage MileUp Card

No Annual Fee
Citi American Airlines AAdvantage MileUp℠ Card
  • Earn 10,000 Miles + $50 Statement Credit After $500 in Purchases Within the First 3 Months
  • 2x Miles on American Airlines and at Grocery Stores
  • Earns Loyalty Points Towards Elite Status
  • 25% In-Flight Savings on Food and Drinks
  • No Annual Fee
Learn More Our Review

The Citi AAdvantage MileUp is great for people who want to earn American Airlines miles without an annual fee. 

The MileUp card doesn’t offer a big welcome mileage bonus, free checked bags, or priority boarding like other American Airlines credit cards.

But MileUp cardmembers earn 2x miles on American Airlines and at grocery stores, and receive a 25% in-flight savings on food and drinks.

12. Delta SkyMiles Blue from American Express

No Annual Fee
Delta SkyMiles® Blue American Express Card
  • Earn 10,000 Delta SkyMiles After $1,000 in Eligible Purchases in the First 6 Months
  • 2X SkyMiles Per Dollar on Delta Air Lines
  • 2x Points Per Dollar at Restaurants Worldwide, and Takeout and Food Delivery in the U.S.
  • 20% Statement Credit on Delta In-Flight Purchases
  • No Annual Fee and No Foreign Transaction Fees (Rates and Fees)
Learn More Our Review
Terms Apply

The Delta SkyMiles® Blue American Express Card is a zero-annual-fee card that earns 2x SkyMiles at restaurants worldwide, including U.S. takeout and delivery, and 2x SkyMiles on Delta purchases. 

Plus, you receive 20% savings in statement credits on Delta in-flight food and drinks and up to a $50 discount on flights booked on delta.com for every 5,000 miles redeemed via Pay With Miles.

For rates and fees of the Delta SkyMiles® Blue American Express Card, please click here.

For rates and fees of the Hilton Honors American Express Card, please click here.

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