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2021

Best No Annual Fee Credit Cards

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In the market for a new, inexpensive credit card? Many card issuers provide no annual fee cards, which can be convenient, low-obligation ways to take advantage of credit card features. As long as you avoid paying interest and other fees, they can be completely free and any value you get from rewards and benefits will be all profit.

Our Selection Criteria Is a No Annual Fee Card Right for You?

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Capital One Spark Classic for Business, Amex EveryDay® Credit Card, Capital One Spark Cash Select for Business, Capital One Spark Miles Select for Business, American Express Blue Business Cash™ Card, and The Blue Business® Plus Credit Card from American Express have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

Our Selection Criteria

  • Fits your credit profile: Find a credit card offer designed for your level of credit history and scores, as some cards are generally meant for good credit while others are meant for bad, limited, or no credit.
  • It’s got what you need: Look for a set of terms and features that suits your current needs, whether you want a decent rewards rate on certain purchases, a long intro APR, a card to travel with, or a way to build your credit.
  • Bonus reward categories: The rewards program should fit your spending habits, offering points or cash back for the types of purchases you make most.
  • Introductory bonuses: Many no annual fee reward cards include valuable intro bonuses, letting you spend a thousand or so to get a nice point or cash back bonus.
  • Introductory APRs: Quite a few cards without annual fees come with 0% introductory interest rates on new purchases and/or balance transfers, letting you pay off your balance over time without accruing interest. After the intro offer expires you’ll get a regular APR, which is typically quite high (so pay your statement balance in full each month).
  • Additional perks and benefits: You won’t find the best extra perks on cards without annual fees, but you can still do pretty well with extra reward opportunities, shopping and travel protections, free credit scores, and the occasional discount or special event access.

Is a No Annual Fee Card Right for You?

There’s a wide variety of credit cards without annual fees. They tend to be a bit more basic than cards with annual fees, but they still offer valuable rewards, benefits, and introductory APRs that make them every bit as useful as more expensive options.

Credit cards with annual fees tend to have better reward programs and extra perks. They might offer more points per dollar, bigger signup bonuses, and better perks like lounge access and travel credits.

Still, it’s a good idea to have a no annual fee card (or a few). Many of them are perfect for everyday purchases, but they’re also handy for building credit. If you tend to go for more valuable or premium cards, no annual fee cards can serve as handy backups.

Even experienced credit card users keep cards without annual fees in their wallets. Here are some common reasons why you might want one:

  • Just getting into credit cards: Many people will find it less stressful to jump into the credit card game with a no annual fee card.
  • Useful for building credit: Getting some cards without annual fees early on can be an excellent credit-building strategy. You can typically keep them open indefinitely, and they can help improve your credit utilization and boost the average age of accounts on your credit reports more and more over time.
  • Great for everyday spending: You’ll find cards for groceries, gas, dining out, online shopping, and more. There are also plenty of flat-rate rewards cards that are perfect for any spending that doesn’t fit the bonus categories of your other cards.
  • Simple rewards programs (usually): Cards without annual fees usually have fairly straightforward rewards, with a one-time signup bonus and cash back or points you can redeem for statement credits. Rewards typically don’t expire for the life of the account, and in many cases there are no blackout dates for travel redemptions.
  • No annual fee to worry about (duh): For cards with annual fees, you have to make sure you’re getting your money’s worth each year, which could involve traveling in certain ways or shopping at specific retailers. No annual fee cards can sit in the proverbial (or literal) sock drawer until you need them (or until you need to keep them active), and they can be completely free to use, if you use them wisely.
  • As a downgrade option: If you have a card with an annual fee now and it’s not serving you well, you may be able to downgrade to a card with no annual fee. This is often a better idea than just closing the card because you can keep the same account on your credit reports.
  • An easy and cheap payment method while abroad: International travelers can use no annual fee cards without foreign transaction fees to avoid extra charges and trips to the money changer.

Best Pick For...

Cash Back Rewards

Chase Freedom Flex℠

Our rating:
  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.99% - 23.74% Variable
Rewards

The Chase Freedom Flex℠ (Review) is one of the most rewarding cash back cards available — not only does it have a set of rotating bonus categories, like the old Freedom card, it also features a great set of new static categories.

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
Key Features
  • DoorDash membership: A free membership (DashPass) for three months, and a 50% discount for the next nine months; a DashPass provides free delivery and reduced service fees on orders over $12.
  • Shop through Chase/Chase Offers: Earn extra cash back or find discounts with the Shop through Chase and Chase Offers programs.
  • ShopRunner membership: Get free two-day shipping at a wide selection of retailers.
  • Lyft credits: Once per month you can earn a $10 Lyft credit for every five rides you take.
  • Boxed rewards: 5% cash back rewards on Boxed Wholesale orders to be used for future purchases
  • Fandango discount: $5 off every two tickets you buy
  • Shopping and travel protections: Cell Phone Insurance, Purchase Protection, Extended Warranty, Trip Cancellation/Trip Interruption Insurance, and more
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
Runners Up8

Blue Cash Everyday® Card from American Express

Spending Rewards
  • 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $1,000 in the first 3 months
  • Perks: Amex Offers; ShopRunner membership; Lowest Hotel Rates Guarantee; Shopping and travel protections
  • Purchase APR: 0% on purchases for 15 months, then 13.99% - 23.99% Variable

Blue Cash Everyday® Card from American Express (Rates & Fees)

View card details

Citi® Double Cash Card – 18 month BT offer

Spending Rewards
  • 2% cash back for every purchase (must pay at least the minimum due on time):
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
View card details

Discover it® Cash Back

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Perks: Free FICO credit score; New account and credit inquiry alerts
  • No foreign transaction fee
View card details

Bank of America® Cash Rewards Credit Card

Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Perks: Free FICO credit score; Preferred Rewards cash back bonus
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable

2021 Comparison: The Chase Freedom Flex℠ vs. the Bank of America® Cash Rewards Credit Card

View card details

Chase Freedom Unlimited®

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: Three-month DoorDash membership; Lyft credits; Shop through Chase/Chase Offers; Shopping and travel protections
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
View card details

Capital One SavorOne Cash Rewards Credit Card

Spending Rewards
  • 3% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery Stores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $500 in the first 3 months
  • Perks: World Elite Mastercard benefits
  • No foreign transaction fee
View card details

U.S. Bank Cash+™ Visa Signature® Card

Spending Rewards
  • 5% cash back on your first $2,000 in combined net purchases each quarter on two categories you choose
  • 2% cash back on your choice of one everyday category (like gas or groceries)
  • 1% cash back on everything else
Introductory Bonus
  • $150 cash bonus for spending $500 in the first 90 days after account opening
  • Perks: Visa Signature Luxury Hotel Collection; Shopping and travel protections
  • Balance Transfer APR: 0%* intro on BTs for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
View card details

Amazon Prime Rewards Visa Signature Card

Spending Rewards
  • 5% cash back at:
    • Amazon.com
    • Whole Foods Market
  • 2% cash back at:
    • Gas Stations
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $70 Amazon.com Gift Card instantly upon approval
  • Perks: Visa Signature Concierge; Visa Signature Luxury Hotel Collection; Shopping and travel protections
  • No foreign transaction fee
  • Made of metal (see more metal credit cards)
View card details
Flexible Spending

Chase Freedom Unlimited®

Our rating:
  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.99% - 23.74% Variable
Rewards

One card to rule them all? The Chase Freedom Unlimited® (Review) has you covered for dining and basic drugstore purchases, along with travel (if you use Chase Ultimate Rewards). But it also gives more than the standard 1% for non-category purchases, making it more flexible than your average reward card.

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
Key Features
  • DoorDash membership: A free membership (DashPass) for three months, and a 50% discount for the next nine months; a DashPass provides free delivery and reduced service fees on orders over $12.
  • Shop through Chase/Chase Offers: Earn extra cash back or find discounts with the Shop through Chase and Chase Offers programs.
  • Shopping and travel protections: Purchase Protection; Extended Warranty Protection; Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver; and more
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
Runners Up4

Bank of America® Cash Rewards Credit Card

Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
View card details

Citi® Double Cash Card – 18 month BT offer

Spending Rewards
  • 2% cash back for every purchase (must pay at least the minimum due on time):
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
View card details

Chase Freedom Flex℠

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: Three-month DoorDash membership; Monthly Lyft credits; Boxed rewards; Shopping and travel protections
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
View card details

Discover it® Cash Back

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
View card details
  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR15.49% - 25.49% Variable
Rewards

The Capital One VentureOne Rewards Credit Card (Review) is an excellent no-fee travel rewards credit card you can use to pay for an upcoming vacation or trip, with the ability to transfer points to a variety of airline partners.

Spending Rewards
  • 1.25X miles per dollar spent on all purchases
Introductory Bonus
  • 20,000 bonus miles for spending $500 in the first 3 months after account opening
Key Features
  • Mile transfer: Transfer mile to a variety of airline partners at a rate of either 2:1.5 or 2:1, depending on the airline.
  • Luxury Hotel Collection: Get perks for eligible hotel stays, including a $25 food and beverage credit, room upgrades when available, complimentary in-room WiFi, and more.
  • Visa Signature Concierge: Call any time for non-emergency assistance, like help making reservations or finding gifts.
  • Shopping and travel protections: Purchase Security, Extended Warranty, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Travel Accident Insurance
  • Purchase APR: 0% for 12 months, then 15.49% - 25.49% Variable
  • No foreign transaction fee
Runners Up4

Bank of America® Travel Rewards Credit Card

Spending Rewards
  • 3X points per dollar at the Bank of America Travel Center
  • 1.5X points per dollar on all other purchases
Introductory Bonus
  • 25,000 bonus points for spending $1,000 in the first 90 days after account opening
  • Perks: Free FICO credit score; Preferred Rewards point bonus
  • Purchase APR: 0% for 12 billing cycles, then 13.99%–23.99% Variable
  • No foreign transaction fee
View card details

Chase Freedom Unlimited®

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: Three-month DoorDash membership; Lyft credits; Shop through Chase/Chase Offers; Shopping and travel protections
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
View card details

Discover it® Miles

Spending Rewards
  • 1.5X miles per dollar spent on all purchases
Introductory Bonus
  • Discover Match: Double miles earned during the first year, awarded at the end of the first year
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
View card details

Bank of America® Cash Rewards Credit Card

Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Perks: Free FICO credit score; Preferred Rewards cash back bonus
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
View card details
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Transfer your miles to over 10+ travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 15.49% – 25.49% variable APR after that
Apply Now

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securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR13.99% – 23.99% (Variable)
Rewards

The Citi® Double Cash Card – 18 month BT offer (Review) is one of the few no annual fee cards to offer this much cash back for every purchase. It’s even got an intro balance transfer rate that’s one of the longest on the market.

Spending Rewards
  • 2% cash back for every purchase (must pay at least the minimum due on time):
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase

2% back for every purchase is rare, but you can get close to that with the new Apple Card. You’ll need an iPhone but you’ll earn 2% cash back for every purchase made with Apple Pay, so if the merchants you frequent take contactless payments you’ll be in the clear. You’ll also get 3% back for Apple, iTunes, and App Store purchases.

Key Features
  • Free FICO credit score: Monitor your FICO Bankcard Score 8, based on your Equifax credit report.
  • Quick customer service: Say “representative” when calling customer support to be connected with a rep more quickly.
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, and then 13.99% – 23.99% (Variable)
Runners Up6

PayPal Cashback Mastercard®

Spending Rewards
  • 2% cash back on all purchases
  • Perks: Mastercard benefits
  • No foreign transaction fee
View card details

Chase Freedom Unlimited®

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: Three-month DoorDash membership; Lyft credits; Shop through Chase/Chase Offers; Shopping and travel protections
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
View card details

Discover it® Miles

Spending Rewards
  • 1.5X miles per dollar spent on all purchases
Introductory Bonus
  • Discover Match: Double miles earned during the first year, awarded at the end of the first year
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
View card details

Capital One Quicksilver Cash Rewards Credit Card

Spending Rewards
  • 1.5% cash back on all purchases
Introductory Bonus
  • $200 for spending $500 in the first 3 months after account opening
  • Purchase APR: 0% intro on purchases for 15 months, then 15.49% - 25.49% Variable
  • Balance transfer fee: $0
  • No foreign transaction fee
View card details

American Express Cash Magnet® Card

Spending Rewards
  • 1.5% cash back for every purchase
Introductory Bonus
  • $150 cash back for spending $1,000 in the first 3 months
  • Perks: Amex Offers: Shopping and travel protections
  • Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable APR (Rates & Fees)
View card details

Wells Fargo Cash Wise Visa® card

Spending Rewards
  • 1.8% cash rewards on Google Pay or Apple Pay mobile wallet purchases during the first 12 months after account opening
  • 1.5% cash rewards on every other purchase
Introductory Bonus
  • $150 cash back for spending $500 in the first 3 months
  • Purchase APR: 0% for 15 months from account opening, then 14.49%-24.99% Variable APR
  • Balance Transfer APR: 0% intro APR for 15 months on qualifying balance transfers, then 14.49%-24.99% Variable
View card details
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

Food (Restaurants and Groceries)

U.S. Bank Altitude® Go Visa Signature® Card

Our rating:
Apply Now

securely on the issuer's website

Apply Now

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  • Min. credit levelExcellent
  • Annual Fee$0*
  • Regular APR14.99% - 23.99%* Variable

Rates & Fees

Rewards

The U.S. Bank Altitude® Go Visa Signature® Card (Review) is one of the most useful and rewarding cards around, with an excellent dining bonus category accompanied by a set of other handy reward options.

Spending Rewards
  • 4X points per dollar at Restaurants
  • 2X points per dollar for:
    • Grocery stores
    • Grocery delivery
    • Streaming services
    • Gas stations
  • 1X point per dollar on all other purchases
Introductory Bonus
  • 20,000 bonus points for spending $1,000 in the first 90 days
Key Features
  • $15 annual streaming services credit: Good for services like Netflix, Hulu, Spotify, YouTube TV, Apple Music, Amazon Music, and Pandora
  • Purchase APR: 0%* for 12 billing cycles on purchases*, then 14.99% - 23.99%* Variable
  • Balance Transfer APR: 0% for 12 Billing cycles, then 14.99% - 23.99%* Variable
  • No foreign transaction fee
Runners Up5

Bank of America® Cash Rewards Credit Card

Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Perks: Free FICO credit score; Preferred Rewards cash back bonus
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
View card details

Capital One SavorOne Cash Rewards Credit Card

Spending Rewards
  • 3% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery Stores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $500 in the first 3 months
  • Perks: World Elite Mastercard
  • Purchase APR: 0% for 15 months, then 15.49% - 25.49% Variable
  • No foreign transaction fee
View card details

Blue Cash Everyday® Card from American Express

Spending Rewards
  • 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $1,000 in the first 3 months
  • Perks: Amex Offers; ShopRunner membership; Lowest Hotel Rates Guarantee; Shopping and travel protections
  • Purchase APR: 0% on purchases for 15 months, then 13.99% - 23.99% Variable

Blue Cash Everyday® Card from American Express (Rates & Fees)

View card details

Wells Fargo Propel American Express® card

Spending Rewards
  • 3X points per dollar at:
    • Restaurants
    • Gas stations
    • Travel
    • Eligible streaming services
  • 1X point per dollar on all other purchases
Introductory Bonus
  • 20,000 bonus points for spending $1,000 in the first 3 months
  • Perks: Shopping and travel protections
  • Purchase APR: 0% intro APR for 12 months from account opening, then 14.49%-24.99% Variable
  • Balance Transfer APR: 0% intro APR for 12 months on qualifying balance transfers, then 14.49%-24.99% Variable
View card details

Hilton Honors American Express Card

Spending Rewards
  • 7X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 5X Bonus points per dollar at:
    • U.S. supermarkets
    • U.S. restaurants
    • U.S. gas stations
  • 3X Bonus points per dollar for all other purchases
Introductory Bonus
  • 80,000 bonus points for spending $1,000 in the first 3 months
  • Perks: Hilton Honors Silver status; Amex Offers; Shopping and travel protections
  • No foreign transaction fee

Hilton Honors American Express Card (Rates & Fees)

View card details
  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
Rotating Bonus Categories

Discover it® Cash Back

Our rating:
  • Min. credit levelGood
  • Annual Fee$0
  • Regular APRSee Terms
Rewards

The Discover it® Cash Back (Review) is our top pick for rotating cash back categories thanks to its unique Cashback Match.

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year

Take note that you must manually activate your 5% cash back rewards every quarter, and you won’t earn at the 5% rate until you do. This is as simple as logging in and clicking “Activate.” You can activate months in advance, so be sure to do so.

Check out the gift card redemption options to get at least $5 added to each redemption.

Key Features
  • Free FICO credit score: Track your FICO Score 8 over time, based on your TransUnion credit report.
  • Social Security number alerts: Get notified if your SSN is found on any of thousands of risky dark web sites.
  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
Runners Up2

Chase Freedom Flex℠

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: Three-month DoorDash membership; Lyft credits; Shop through Chase/Chase Offers; Shopping and travel protections
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
View card details

U.S. Bank Cash+™ Visa Signature® Card

Spending Rewards
  • 5% cash back on your first $2,000 in combined net purchases each quarter on two categories you choose
  • 2% cash back on your choice of one everyday category (like gas or groceries)
  • 1% cash back on everything else
Introductory Bonus
  • $150 cash bonus for spending $500 in the first 90 days after account opening
  • Perks: Visa Signature benefits
  • Balance Transfer APR: 0%* intro on BTs for 12 billing cycles on Balance Transfers*, then 13.99% - 23.99%* Variable
View card details
Fair or Average Credit

Journey Student Rewards from Capital One

Our rating:
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  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Regular APR26.99% (Variable)
Why We Picked It

The Journey Student Rewards from Capital One (Review) is marketed as a student card, but anyone can actually apply for it. This makes it a good option to help build or rebuild your credit, for students and non-students alike. It even offers a bit of cash back, with a bonus for paying by the due date.

Spending Rewards
  • 1% cash back on all purchases
    • Pay on time and that goes up to 1.25% cash back
Key Features
  • $60 streaming credit: $5 per month for 12 months on select streaming services, when you pay on time
  • Access a higher credit line: You may be automatically considered for a higher credit line after six months.
  • Capital One CreditWise: Monitor your VantageScore 3.0, based on your TransUnion credit report, and see data from your report as well (available to anyone).
  • Shopping and travel protections: Extended Warranty, Travel and Emergency Assistance, Travel Accident Insurance, and more.
  • No foreign transaction fee
Runners Up3

Capital One Platinum Credit Card

  • Access a higher credit line: You may be automatically considered for a higher credit line after six months.
View card details

Discover it® Cash Back

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
View card details

Capital One Spark Classic for Business

Spending Rewards
  • 1% cash back on all purchases
  • Designed for small business owners with fair or average credit
  • No foreign transaction fee
View card details
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Pick the monthly due date that works best for you
  • Be automatically considered for a higher credit line in as little as 6 months
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone
Limited or No Credit

Petal® 2 Cash Back, No Fees Visa® Card

Our rating:
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  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Regular APR12.99 - 26.99% Variable
Why We Picked It

Having limited or no credit can make it tough to get approved for credit cards. That’s where the Petal® 2 Cash Back, No Fees Visa® Card (Review) steps in.

You still have a shot at approval, even with no credit scores. Petal will ask to connect to your bank account to see how you handle your finances, as an alternative to checking your credit. If you do have some credit established, Petal will likely run a hard inquiry to check it out.

The Petal card doesn’t just have no annual fee — it has no fees of any kind, apart from possible interest charges. And you can even avoid interest by paying your statement balance in full each month, potentially making this card completely free to use.

Rewards
Spending Rewards
  • 1% cash back on purchases initially
  • 1.25% cash back on purchases after 6 on-time payments
  • 1.5% cash back on purchases after 12 on-time payments
Key Features
  • Petal Offers: Get 2% – 10% back from select merchants, with no activation necessary.
  • Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
  • Free credit score: Check your VantageScore 3.0 credit score from your Experian credit report, whenever you’d like.
  • Credit limit: $500–$10,000
  • No foreign transaction fee
  • Issued by WebBank, Member FDIC
Runner Up2

Petal® 1 No Annual Fee Visa® Card

  • Petal’s cash flow technology: Looks at bank account records to help you qualify
  • Petal Offers: Get 2% – 10% back from select merchants, with no activation necessary.
  • Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
  • Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
  • Credit limit: $500–$10,000
  • No foreign transaction fee
  • Issued by WebBank, Member FDIC
View card details

Citi® Secured Mastercard®

  • Perks: Free credit score; shopping and travel protections
  • Security deposit: $200–$2,500
View card details
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • 2% – 10% cash back from select merchants
  • $500 – $10,000 credit limits
  • Variable APRs 12.99% – 26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you’re pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
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  • Min. credit levelBad
  • Annual Fee$0
  • Regular APR23.99% Variable
Why We Picked It

The Bank of America® Cash Rewards Secured Card is a secured credit card, which means it requires a refundable security deposit when you’re approved. It doesn’t have an annual fee, but it will require some money to get.

This Bank of America secured card will take a security deposit of $300 to $4,900. Your credit limit will be determined based in part on the deposit you make. Every now and then, Bank of America will review your account and creditworthiness. If it deems you a responsible credit user, your deposit may be refunded and you can continue using the card.

Secured cards are designed for people with bad, limited, or no credit, so they sometimes come with pretty unfavorable terms. But the BofA Cash Rewards Secured card is different, and even provides a decent rewards program.

Rewards
Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drug stores
    • Home improvement/furnishings
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Key Features
  • Free FICO credit score: Check in on your FICO Score 8, based on your TransUnion report.
  • Security deposit: $300–$4,900
Runners Up4

Discover it® Secured

Spending Rewards
  • 2% cash back on up to $1,000 in purchases per quarter (then 1%), at:
    • Restaurants
    • Gas Stations
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Double all cash back earned in the first year; awarded at the end of the first year
  • Perks: Free FICO credit score; Social Security number alerts
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Security deposit: $200–$2,500
View card details

Petal® 1 No Annual Fee Visa® Card

  • Petal’s cash flow technology: Looks at bank account records to help you qualify
  • Petal Offers: Get 2% – 10% back with select merchants, with no activation necessary.
  • Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
  • Free credit score: Check one of your credit scores from your Experian credit report, whenever you’d like.
  • Credit limit: $500–$10,000
  • No foreign transaction fee
  • Issued by WebBank, Member FDIC
View card details

Secured Mastercard® from Capital One

  • Security deposit: $49–$1,000
  • Access a higher credit line: You may be automatically considered for a higher credit line after six months.
  • No foreign transaction fee
View card details

NFCU nRewards® Secured Credit Card

  • 1X point per dollar spent on all purchases
  • Perks: Member Deals shopping portal; free credit score; shopping and travel protections
  • No balance transfer fee
  • No foreign transaction fee
  • Security deposit: $200 minimum
View card details
  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, home improvement/furnishings
  • 2% cash back at grocery stores and wholesale clubs
  • After you spend $2,500 in the 3% and 2% categories, you’ll earn 1% cash back until the quarter ends
  • Security deposit between $300-$4,900 is required to open your account upon approval
  • Bank of America will periodically review your account and return your security deposit if you qualify
  • 3% foreign transaction fee
  • No annual fee
Long 0% Purchase APR

U.S. Bank Visa® Platinum Card

Our rating:
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  • Min. credit levelFair
  • Annual Fee$0*
  • Regular APR14.49% - 24.49%* Variable

Rates & Fees

0% Intro APR Offer

If you need a card with a long 0% intro APR for purchases, it’ll be hard to beat the U.S. Bank Visa® Platinum Card (Review).

  • Purchase APR: 0%* for 20 billing cycles on purchases, then 14.49% - 24.49%* Variable
  • Balance Transfer APR: 0% for 20 billing cycles on balance transfers*, then 14.49% - 24.49%* Variable
  • Balance Transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Key Features
  • Free VantageScore credit score: Check your VantageScore 3.0, based on your TransUnion credit report.
  • Shopping and travel protections: Cell Phone Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver, and more
Runners Up6

Wells Fargo Platinum card

  • Purchase and Balance Transfer APR: 0% for 18 months from account opening, then 16.49%-24.49% Variable APR
  • Perks: Free FICO Score 9 from Experian, Cell Phone Protection, Auto Rental Collision Damage Waiver, Roadside Dispatch, and more
View card details

Citi® Diamond Preferred® Card

  • Purchase APR: 0% for 18 months, then 14.74% – 24.74% (Variable)
  • Balance Transfer APR: 0% for 18 months, then 14.74% – 24.74% (Variable)
View card details

Citi Simplicity® Card – No Late Fees Ever

  • Purchase APR: 0% for 18 months, then 14.74% - 24.74% (Variable)
  • Balance Transfer APR: 0% for 18 months, then 14.74% - 24.74% (Variable)
View card details

Chase Freedom Flex℠

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: Three-month DoorDash membership; Lyft credits; Shop through Chase/Chase Offers; Shopping and travel protections
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
View card details

Blue Cash Everyday® Card from American Express

Spending Rewards
  • 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $1,000 in the first 3 months
  • Perks: Amex Offers; ShopRunner membership; Lowest Hotel Rates Guarantee; Shopping and travel protections
  • Purchase APR: 0% on purchases for 15 months, then 13.99% - 23.99% Variable

Blue Cash Everyday® Card from American Express (Rates & Fees)

View card details

Amex EveryDay® Credit Card

Spending Rewards
  • 2X Membership Rewards points per dollar spent:
    • At U.S. supermarkets, on up to $6,000 per year in purchases (then 1X)
    • On eligible travel purchases from Amex Travel
  • 1X Membership Rewards point per dollar spent on all other purchases
  • Earn 20% more points: Make 20 or more purchases in a billing period to receive a 20% point bonus on those purchases
Introductory Bonus
  • 10,000 Membership Rewards points for spending $1,000 on purchases within the first 3 months
  • Perks: Amex Offers; ShopRunner membership; Lowest Hotel Rates Guarantee; Shopping and travel protections
  • Purchase APR: 0% for 15 months, then 12.99%–23.99% Variable

Amex EveryDay® Credit Card

View card details
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
  • Great offer from U.S. Bank, a 2020 World’s Most Ethical Company® – Ethisphere Institute, February 2021.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
Long 0% Balance Transfer APR

Citi® Diamond Preferred® Card

Our rating:
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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.74% – 24.74% (Variable)
Balance Transfer Offer

For a long balance transfer card offer, look no further than the Citi® Diamond Preferred® Card (Review).

  • Purchase APR: 0% for 18 months, then 14.74% – 24.74% (Variable)
  • Balance Transfer APR: 0% for 18 months, then 14.74% – 24.74% (Variable)
  • Balance Transfer fee: 3%, $5 minimum

That transfer fee could add up to quite a lot, so you may want to check out our runners up, some of which have slightly shorter intro periods but no transfer fees. And take a look at the 0% purchase APR cards above, which may feature great offers for balance transfers as well.

Key Features
  • Citi Entertainment: Access to presale and preferred tickets to concerts, sporting events, dining experiences, and more
  • Say “representative” when you call: Speak with a customer support rep more quickly.
Runners Up8

U.S. Bank Visa® Platinum Card

  • Purchase APR: 0%* for 20 billing cycles on purchases, then 14.49% - 24.49%* Variable
  • Balance Transfer APR: 0%* intro on BTs for 20 billing cycles on balance transfers*, then 14.49% - 24.49%* Variable
  • Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
View card details

Citi® Diamond Preferred® Card

  • Purchase APR: 0% for 18 months, then 14.74% – 24.74% (Variable)
  • Balance Transfer APR: 0% for 18 months, then 14.74% – 24.74% (Variable)
  • Balance transfer fee: 3%, $5 minimum
View card details

Citi Simplicity® Card – No Late Fees Ever

  • Purchase APR: 0% for 18 months, then 14.74% - 24.74% (Variable)
  • Balance Transfer APR: 0% for 18 months, then 14.74% - 24.74% (Variable)
  • Balance transfer fee: 3%, $5 minimum
View card details

Citi® Double Cash Card – 18 month BT offer

Spending Rewards
  • 2% cash back for every purchase (must pay at least the minimum due on time):
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
  • Balance transfer fee: Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum
View card details

Navy Federal Credit Union Platinum Card

  • Purchase and balance transfer APR: 0% for 12 months, 5.99% - 18.00% Variable
  • Balance transfer fee: None
  • Balance transfer limit: $15,000
View card details

Wells Fargo Platinum card

  • Purchase APR: 0% intro APR for 18 months from account opening, then 16.49%-24.49% Variable
  • Balance Transfer APR: 0% intro APR for 18 months on qualifying balance transfers, then 16.49%-24.49% Variable
  • Balance transfer fee: 3% for 120 days from account opening, then up to 5%
View card details

Wells Fargo Cash Wise Visa® card

Spending Rewards
  • 1.8% cash rewards on Google Pay or Apple Pay mobile wallet purchases during the first 12 months after account opening
  • 1.5% cash rewards on every other purchase
Introductory Bonus
  • $150 cash back for spending $500 in the first 3 months
  • Purchase APR: 0% for 15 months from account opening, then 14.49%-24.99% Variable APR
  • Balance Transfer APR: 0% intro APR for 15 months on qualifying balance transfers, then 14.49%-24.99% Variable
View card details

Citi Rewards+® Card

Spending Rewards
  • 2X ThankYou points per dollar on up to $6,000 in purchases per year (then 1X), at:
    • Supermarkets
    • Gas stations
  • 1X ThankYou point per dollar on all other purchases
  • Point Round Up: Each purchase rounds up to the nearest 10 points
Introductory Bonus
  • Earn 15,000 bonus points for spending $1,000 in the first 3 months
  • Purchase APR: 0% for 15 months, then 13.49% - 23.49% (Variable) APR
  • Balance Transfer APR: 0% for 15 months, then 13.49% - 23.49% (Variable)
View card details
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

Hotel Rewards

Hilton Honors American Express Card

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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR15.74% - 24.74% Variable

Rates & Fees

Rewards

A lot of hotel credit cards have high annual fees in return for their next-level perks and the comforts they provide. The Hilton Honors American Express Card (Review) has no annual fee, and doesn’t offer too much; but if you like Hilton and don’t travel too often, it could fit the bill quite well.

Spending Rewards
  • 7X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 5X Bonus points per dollar at:
    • U.S. supermarkets
    • U.S. restaurants
    • U.S. gas stations
  • 3X Bonus points per dollar for all other purchases
Introductory Bonus
  • 80,000 bonus points for spending $1,000 in the first 3 months
Key Features
  • Complimentary Hilton Honors Silver status: Includes a 20% point bonus, room upgrades when available, late checkout, and more
  • Fast track to Gold status: Upgrade to Gold Status by spending $20,000 or more with the card in a given year.
  • Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
  • Entertainment Access: Exclusive discounts to dining events, concerts, sports, and shows
  • Shopping and travel protections: Including Purchase Protection, Extended Warranties, a Baggage Insurance Plan, and more
  • No foreign transaction fee

Hilton Honors American Express Card (Rates & Fees)

Runners Up3

Marriott Bonvoy Bold™ Credit Card

Spending Rewards
  • 3X Bonus points per dollar at Marriott Bonvoy hotels
  • 2X Bonus points per dollar on Travel
  • 1X Bonus point per dollar on all other purchases
Introductory Bonus
  • 30,000 Bonus points for spending $1,000 in the first 3 months
  • Perks: 15 annual Elite Night credits; Shopping and travel protections
  • No foreign transaction fee
View card details

IHG® Rewards Club Select Credit Card

Spending Rewards
  • 5X points per dollar every at IHG Hotels
  • 2X points per dollar at:
    • Gas stations
    • Grocery stores
    • Restaurants
  • 1X point per dollar on all other purchases
  • 10% rebate on IHG® Rewards Club Point Redemptions
Introductory Bonus
  • 60,000 bonus points if you spend $1,000 in the first three months
  • Perks: Save 20% on purchased points; Gold Elite membership for spending $10,000 in a year; Shopping and travel protections
  • No foreign transaction fee
View card details

Radisson Rewards™ Visa® Card

Spending Rewards
  • 3X points per dollar spent on eligible net purchases at participating Radisson Family of Hotels
  • 1X point per dollar spent on eligible net purchases everywhere else
Introductory Bonus
  • 30,000 bonus points after spending $1,000 within the first 90 days
  • Perk: Earn up to three Free Night E-Certs when you charge up to $30,000 then renew your card; one E-Cert per $10,000 spent per year
View card details
  • Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • 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.
  • No Annual Fee.
  • Terms Apply.

American Express is a Credit Card Insider advertiser.

Airline Rewards

JetBlue Card

Our rating:
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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR15.99%, 19.99% or 24.99% Variable
Rewards

The JetBlue Card is inexpensive, but it can save you a tidy sum with 50% off in-flight purchases with JetBlue. Most airline credit cards only give 25% off at most, so this is a steal if cocktails are a regular flight companion.

Spending Rewards
  • 3X points per dollar spent on JetBlue purchases
  • 2X points per dollar spent at:
    • Restaurants
    • Grocery stores
  • 1X point per dollar spent on all other purchases
Introductory Bonus
  • 10,000 bonus points after spending $1,000 on purchases in the first 90 days
Key Features
  • Perks: 50% in-flight discount; Shopping and travel protections
  • Balance Transfer APR: 0% for 12 billing cycles (on balance transfers made within 45 days of account opening), then 15.99%, 19.99% or 24.99% Variable
  • Balance Transfer fee: 3%, $5 minimum
  • No foreign transaction fee
Runners Up3

Delta SkyMiles® Blue American Express Card

Spending Rewards
  • 2X SkyMiles per eligible dollar spent for:
    • Purchases made directly with Delta Air Lines
    • Restaurants
  • 1X SkyMile per eligible dollar spent for every other purchase
Introductory Bonus
  • 10,000 bonus miles for spending $500 in the first 3 months after account opening
  • Perks: 20% in-flight discount; ShopRunner membership; Shopping and travel protections
  • No foreign transaction fee
View card details

American Airlines AAdvantage MileUp Card

Spending Rewards
  • 2X AAdvantage Miles per dollar on:
    • Eligible American Airlines purchases
    • Grocery stores
  • 1X AAdvantage Mile per dollar for everything else
Introductory Bonus
  • 10,000 AAdvantage bonus miles and a $50 statement credit for spending $500 in the first 3 months
  • Perks: 25% in-flight discount; Shopping and travel protections
  • No foreign transaction fee
View card details

United Gateway℠ Card

Spending Rewards
  • 3X United miles per dollar for Grocery store purchases (up to $1,500 spent per quarter, through 9/30/21)
  • 2X United miles per dollar for:
    • United purchases
    • Local transit and commuting
    • Gas
  • 1X United mile per dollar on all other purchases
Introductory Bonus
  • 20,000 bonus miles for spending $1,000 in the first 3 months
  • Perks: 25% in-flight discount; Shopping and travel protections
  • No foreign transaction fee
View card details
  • Earn 3X points per dollar spent on JetBlue purchases, 2X points per dollar at restaurants and grocery stores and 1X point per dollar on all other purchases
  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights
  • Points awarded in your TrueBlue account don’t expire
  • Earn and share points together with Family Pooling
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • Chip technology & $0 Fraud Liability protection
  • No foreign transaction fees
  • No annual fee
Student Rewards

Discover it® Student Cash Back

Our rating:
  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Regular APRSee Terms
Rewards

New to credit, and credit cards? The Discover it® Student Cash Back (Review) can get you started out right. It’s low on fees and provides ample rewards — what more do you want?

Spending Rewards
  • 5% cash back in rotating categories (up to $1,500 spent per quarter, then 1%; activation required):
    • January – March: Grocery Stores, Walgreens, CVS
    • April – June: Gas Stations, Wholesale Clubs, Select Streaming Services
    • July – September: Restaurants, PayPal
    • October – December: Amazon.com, Target.com, Walmart.com
  • 1% cash back on all other purchases
Introductory Bonus
  • Cashback Match: Double all cash back rewards earned in the first year
Key Features
  • Good Grades Award: A $20 statement credit for each year in which your GPA is 3.0 or higher, for up to five years
  • Free credit score: Track your FICO Score 8 over time, based on your TransUnion credit report.
  • Social Security number alerts: Get notified if your SSN is found on any thousands of risky websites.
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
Runners Up6

Bank of America Cash Rewards™ Credit Card for Students

Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all purchases
  • 3% and 2% rewards only up to $2,500 per quarter, then 1% cash back
  • Eligible Bank of America members can get a 25%–75% bonus on rewards
Introductory Bonus
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
  • Perks: Bank of America Preferred Rewards; Visa Platinum or Signature benefits
  • Purchase APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
  • Balance Transfer APR: 0% for 15 billing cycles, then 13.99%–23.99% Variable
View card details

Bank of America Travel Rewards® Credit Card for Students

Spending Rewards
  • 3X points per dollar on purchases from the Bank of America travel center
  • 1.5X points per dollar for all other purchases
Introductory Bonus
  • 25,000 bonus points when you spend $1,000 in the first 3 months
  • Perks: Bank of America Preferred Rewards; Visa Platinum or Signature benefits
  • Purchase APR: 0% for 12 months, then 14.99%–22.99% Variable
  • No foreign transaction fee
View card details

Deserve Edu Mastercard

Spending Rewards
  • 1% cash back on all purchases
Introductory Bonus
  • One year of Amazon Prime Student for spending $500 in the first 3 billing cycles
  • A better chance of approval because Deserve checks factors like education and income potential
  • Limited 12-month Priority Pass Select membership: For spending $1,000 in 120 or 155 days; $27 fee per lounge visit (offer for select applicants and cardholders only)
  • No foreign transaction fee

Take note that Deserve will need to connect to your bank account to verify your balance, because Deserve bases its decision on more than the typical credit approval factors.

View card details

Journey Student Rewards from Capital One

Spending Rewards
  • 1% cash back on all purchases
    • Pay on time and that goes up to 1.25% cash back
  • Perks: $60 in annual streaming credits; Potential access to a higher credit line after six on-time payments; Shopping and travel protections
  • No foreign transaction fee
View card details

Chase Freedom® Student credit card

Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 1% cash back on all other purchases
Introductory Bonus
  • $50 bonus after your first purchase within 3 months of account opening
  • Perks: $20 Good Standing Rewards once per year, up to five years; Three-month DoorDash membership; Potential for credit limit increase after five on-time monthly payments
View card details

Wells Fargo Cash Back College Card

Spending Rewards
  • 3% cash back for the first 6 months, up to $2,500 spent, on:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1% cash back for every other purchase
  • Bonus cash back at participating merchants in the Earn More Mall
  • Perks: Cell Phone Protection, other shopping and travel protections
  • Purchase APR: 0% for 6 months, then 12.15%–22.15% Variable
  • Balance Transfer APR: 0% for 6 months, for transfers made within 120 days, then 12.15%–22.15% Variable
View card details
  • Min. credit levelExcellent
  • Annual Fee$0
  • Regular APR13.24% - 19.24% Variable
Rewards

When you’re running a business, every percentage counts. So get some of those %s back with the Ink Business Cash® Credit Card (Review) — it’s one of the more rewarding business cards, despite not carrying an annual fee, with useful categories to help you meet your bottom line.

Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 5% cash back on up to $25,000 spent per year at:
    • Office supply stores
    • Internet, cable, and phone services
  • 2% cash back on up to $25,000 spent per year at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
Introductory Bonus
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
Key Features
  • Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers marketplaces.
  • Luxury Hotel and Resort Collection: Daily breakfast for two, free WiFi, room upgrades, early check-in, late checkout, and more at eligible hotels
  • Visa Signature Business benefits: Purchase Protection, Cell Phone Protection, Primary Auto Rental Coverage, Roadside Dispatch, and more
  • Employee cards: Get up to 70 employee cards for free.
  • No foreign transaction fee
Runners Up9

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Spending Rewards
  • 3% cash back in one category of your choice each month:
    • Gas
    • Travel
    • Office supply stores
    • TV/telecom & wireless services
    • Computer services
    • Business consulting services
  • 2% cash back on Dining
  • 1% cash back on all other purchases
  • 3% and 2% rewards only up to $50,000 per year, then 1% back
  • Eligible Bank of America members can get a 25%–75% bonus on rewards
Introductory Bonus
  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Perks: Preferred Rewards bonus; Cash flow management tools; Shopping and travel protections
  • Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
View card details

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Spending Rewards
  • 3X points per dollar on travel (airline, hotel, car) booked through the Bank of America Travel Center
  • 1.5X points per dollar for every other purchase
Introductory Bonus
  • 30,000 bonus points for spending $3,000 within 90 days of account opening
  • Perks: Preferred Rewards bonus; Cash flow management tools; Shopping and travel protections
  • Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24%
  • No foreign transaction fee
View card details

Capital One Spark Cash Select for Business

Spending Rewards
  • 1.5% cash back for all purchases
  • There is no limit to the amount of rewards you can earn
Introductory Bonus
  • $200 cash bonus for spending $3,000 in the first 3 months after account opening
  • Perks: Visa Signature Business benefits; Shopping and travel protections
  • Purchase APR: 0% on purchases for for 9 months, then 13.99% - 23.99% (Variable)
  • No foreign transaction fee
View card details

Ink Business Unlimited® Credit Card

Spending Rewards
  • 5% cash back on Lyft rides (through March 2022)
  • 1.5% cash back for every other purchase
Introductory Bonus
  • $750 cash bonus for spending $7,500 in the first 3 months after account opening
  • Perks: Visa Signature Business benefits; Shopping and travel protections; Shop through Chase/Chase Offers
  • Purchase APR: 0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
  • No foreign transaction fee
View card details

Capital One Spark Miles Select for Business

Spending Rewards
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 1.5X miles per dollar for every other purchase
Introductory Bonus
  • 20,000 miles for spending $3,000 in the first 3 months after account opening
  • Perks: Visa Signature Business benefits; Shopping and travel protections
  • Purchase APR: 0% intro on purchases for 9 months, then 14.49% - 22.49% Variable
  • No foreign transaction fee
View card details

American Express Blue Business Cash™ Card

Spending Rewards
  • 2% cash back for every purchase, up to $50,000 spent annually
  • 1% cash back for every purchase after that
  • Perks: American Express business benefits; Shopping and travel protections; Amex Offers
  • Purchase APR: 0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable
  • No foreign transaction fee
View card details

The Blue Business® Plus Credit Card from American Express

Spending Rewards
  • 2X Membership Rewards points per dollar spent on the first $50,000 in purchases each year
  • 1X Membership Rewards point per dollar spent on all other purchases
  • Perks: American Express business benefits; Shopping and travel protections; Amex Offers
  • Purchase APR: 0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable
View card details

Brex Daily Card

  • Choose either Tech Rewards, Life Sciences Rewards, or Remote Workforce Rewards
  • Perks: Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
  • Expense management and receipt reconciliation tools
  • Point transfer: At a 1:1 rate to select airline loyalty programs
  • Employee card fee: None
  • No foreign transaction fee
  • Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
View card details

Brex 30 Card

  • Choose either Tech Rewards, Life Sciences Rewards, or Remote Workforce Rewards
  • Perks: Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
  • Expense management and receipt reconciliation tools
  • Point transfer: At a 1:1 rate to select airline loyalty programs
  • Employee card fee: None
  • No foreign transaction fee
  • Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
View card details

What Does No Annual Fee Mean for a Credit Card?

An annual fee is a yearly charge for the privilege of using a credit card. “No annual fee credit card” simply means a credit card that doesn’t come with that fee.

Annual fees are typically found on mid-range and high-end travel cards, as the price you pay for their perks. They’re also found on cards designed for bad credit, as the price you pay for having poor credit scores (it helps alleviate risk for the card issuer).

It’s also common to find credit cards that charge an annual fee, but only after the first year. The United℠ Explorer Card (Review) is a good example. It charges: $0 introductory annual fee for the first year, then $95

What’s the Best Credit Card With No Annual Fee?

There are quite a few credit cards without annual fees, so the “best” card will be the one that fits your spending habits and lifestyle. The best no annual fee cards include:

What’s the Best Cash Back Credit Card With No Annual Fee?

Cash back credit cards are easy to understand — they provide a certain percentage back for every purchase you make, like 1%, 3%, even 5% or more. Our favorites include:

What’s the Best Travel Credit Card With No Annual Fee?

Travel rewards cards tend to come with annual fees, to help offset their many perks. But some have no fee, such as:

Are There No Annual Fee Cards for Fair Credit?

Yes — if you have fair credit, there are some credit cards without annual fees made for you.

Take a look at other cards designed for fair or average credit here.

Are There No Annual Fee Cards for Bad Credit?

Even if you have bad credit, you may still qualify for some no annual fee cards. Take a look at these:

See more cards designed for bad credit here, and other secured cards here.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

For rates and fees of the American Express Cash Magnet® Card, please click here.

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

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

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