What is the best no-annual-fee credit card?

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Written by
Bill Gilman
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No annual fee is certainly one of the most attractive features in a credit card, but not all no-annual-fee credit cards are created equal. There are many to choose from and each has its own unique features, strengths and weaknesses.

When choosing a card, it’s important to consider your personal preferences, spending habits and lifestyle. If you are already carrying substantial credit card debt, you might want to consider a card with an attractive balance transfer offer. A 0% APR for a set period of time can save you quite a bit of money on interest charges. Similarly, a 0% rate on new purchases can be a big savings if you are planning a big-ticket purchase and need some extra time to pay it off.

If rewards programs are a top priority for you, you’ll find some no-annual-fee cards which offer straightforward cash back programs. Other cards have a more complex rewards program that allow you to accumulate points that can be used toward merchandise, travel, gift cards or converted to cash. These rewards programs can be weighted toward certain purchasing habits, with higher rewards for spending on dining, groceries. travel and other categories. Finding the rewards program that fits with your spending habits can be lucrative.

In all cases, you will want to read the fine print. While a card may have no annual fee there could be other fees for late payments, balance transfers, foreign transactions, cash advances, etc. You will also want to check the base interest rate, as well as possible penalty interest rates for late payments.

The process of choosing the right no-annual-fee card for you may seem daunting. Fortunately, our editors have done the leg work and have compiled the following list of the best no-annual-fee cards.

CardName

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Welcome Offer
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Rewards
points_miles_per_dollar
Annual Fee
AnnualFees
Credit Needed
CreditScoreNeeded

CardName

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Welcome Offer
bonus_miles_full
Rewards
points_miles_per_dollar
Annual Fee
AnnualFees
Credit Needed
CreditScoreNeeded

CardName

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Balance Transfer Intro APR
scw_balance_transfer_intro_aprbalance_transfer_intro_duration
Regular APR
RegAPR
Balance Transfer Fee
BalanceTransferFees
Annual Fee
AnnualFees

Citi is a CardRatings advertiser

CardName

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Welcome Offer
bonus_miles_full
Rewards
points_miles_per_dollar
Annual Fee
AnnualFees
Credit Needed
CreditScoreNeeded

American Express is a CardRatings advertiser

CardName

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EditorRating
 
Welcome Offer
bonus_miles_full
Rewards
points_miles_per_dollar
Annual Fee
AnnualFees
Credit Needed
CreditScoreNeeded

CardName

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Welcome Offer
bonus_miles_full
Rewards
points_miles_per_dollar
Annual Fee
AnnualFees
Credit Needed
CreditScoreNeeded

CardName: See Rates and Fees

Featured Partner Cards:

Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.