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Best credit cards with no annual fee

A no annual fee card costs nothing to keep. You only pay if you carry a balance and owe interest.

That makes these cards a safe default. You can hold one for years and never pay to keep it open, which also helps the age of your credit.

Many still pay rewards and offer a welcome bonus. Compare the rewards rate and the purchase APR, since APR is what you pay if you do not clear the bill.

We list 94 cards here. 94 have no annual fee. The largest welcome bonus we track is $250 on the Travel Rewards. The longest 0% period is 21 months on the Diamond Preferred Card.

A card is listed here only when its annual fee is confirmed as $0. Sorted by highest rewards rate first, then welcome bonus. Facts match the main cards page.

Common questions

Can a no annual fee card still earn rewards?
Yes. Many pay 1.5% to 2% cash back or earn points. The rate is often a little lower than on cards that charge a fee.
Should I close a no-fee card I do not use?
Usually not. Keeping it open costs nothing and keeps your credit history longer and your available credit higher.

Card terms come from each issuer and can change. Check the issuer page before you apply. SwitchWize may earn a fee if you apply through a link marked as an offer.

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