Best No Annual Fee Credit Cards

Apply for the top no fee credit cards - Updated January 2024

1 Cards in Total

No annual fee credit cards offer the standard features of a credit card without the requirement of an annual fee. This means that you’ll get the flexibility of having a credit card without needing to pay a fee for the service. That said many times credit cards with annual fees have them because they have either a very strong rewards program or if the card happens to be catering to people with lower credit ratings and may be viewed as higher risk. is an independent, advertising-supported comparison service. Many of the offers that appear on this site are from companies from which receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. does not include the entire ecosystem of credit offers available to the US market. has partnerships with issuers and referral platforms including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi, Discover, Well Fargo, and Cardratings.


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Intro Purchase APR

0% for 12 months on Purchases

Intro Transfer APR

0% intro APR for 21 months on Balance Transfer

Regular APR

19.24% - 29.99%

Annual Fee


Recommend Credit Score

720 - 850

Keep things simple and efficient with this card, which has no late fees, no penalty rate and no annual fee. You will also be paying 0% Intro APR for 21 months (from date of first transfer) on balance transfers, and 0% Intro APR for 12 months (from the date you open your account) on purchases. There is a small introductory balance transfer fee of $5 or 3% of the amount of the transfer (whichever is greater), for balance transfers completed within your first 4 months.