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Best No Fee Credit Cards

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by Eric Rosenberg | Updated May. 25, 2017
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Overview

There are many great credit card offers out there today and most will literally pay you to shop by rewarding you with cash back or points! While hardly any of us would object to the amazing perks that come with credit cards, most of us would prefer not to pay fees every year to get access to them. Luckily, there's hope. Many issuers understand that consumers aren't willing to work over their hard earned cash to simply have a credit card and have responded with credit card offerings that have $0 annual fees. To bring you the most comprehensive and accurate list of no fee credit cards, we used our credit card model to estimate the benefits the average user of a no fee credit card can expect to get every year. So, what are you waiting for? Scroll down and start getting paid to spend! See More

Best No Annual Fee Credit Card for Balance Transfers

More Details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won’t raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Annual Fee

$0

Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfer Intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

15.74%-24.49% Variable

Benefits

If you want to take advantage of a balance transfer to save money on interest, it can be a challenge choosing the right card. Chase Slate® is our top balance transfer card with no annual fee. New cardholders can take advantage of a 15 month introductory period with 0% APR (15.74%-24.49% Variable after). Transfer a balance in the first 60 days after opening a new account and pay no balance transfer fee. As a bonus, cardholders get a free FICO® credit score and no penalty APR after a late payment.

Things to Consider

While the introductory balance transfer offer waives your fee in the first 60 days, later transfers are subject to a fee. The balance transfer fee is the greater of $5 or 5%. For each $1,000 you transfer to this card after the introductory balance transfer period, you pay $50.

Our Verdict

Of all cards with no annual fee, this is our favorite balance transfer option. With a 15-month 0% APR period and a competitive 15.74%-24.49% Variable thereafter, this card is a winner. And with no annual fee, you’ll never pay just to have the card open. Keeping cards open as long as possible is a great way to boost your credit score, and this card is one you can keep in your wallet without a fee for years to come.

Best No Annual Fee Credit Card for Gas

More Details

  • No annual fee
  • NEW OFFER: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% - 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Annual Fee

$0

Purchase Intro APR

0% Introductory APR on purchases for 12 billing cycles

Balance Transfer Intro APR

0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

Regular APR

13.74% - 23.74% Variable APR on purchases and balance transfers

Benefits

Did you know you can have a credit card that pays you each time you buy gas, groceries, or anything else with a credit card? BankAmericard Cash Rewards™ Credit Card offers just that with no annual fee! Earn 2% cash back at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in purchases each quarter! Earn 1% everywhere else. Plus earn $150 bonus cash back after $500 in purchases within 90 days of opening a new account! New account holders also get 12 billing cycles at 0% APR for all purchases and qualifying balance transfers. After the 0% APR period ends, pay 13.74% - 23.74% Variable APR on purchases and balance transfers. Your rate is based on your credit history and current market interest rates.

Things to Consider

Bonus cash back is limited to $75 per quarter if you spend all $2,500 on gas. After that, you’ll receive 1% cash back. To qualify for 0% APR, balance transfers must be completed within 60 days of opening your account. A 3% fee ($10 minimum) applies to balance transfers.

Our Verdict

With big rewards and no annual fee, this is our favorite cash back credit card for gas. With no limit to how much you can earn, this is a great all around cash back rewards card. Plus, Bank of America customers can get a 10% bonus when redeeming cash back into a Bank of America checking or savings account. If you want to earn cash back every time you make a purchase, this is a great option for you!

Best No Annual Fee Credit Card with Cash Back

More Details

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% APR for 18 Months

Regular APR

13.99% - 23.99% Variable

Benefits

Most cards pay a modest 1% cash back, if anything, on regular purchases. And it is practically unheard for a card to pay you outside of making a purchase or a bonus. Citi® Double Cash Card pays you 1% when you make a purchase and another 1% when you pay your bill. That is effectively 2% cash back on all purchases. And you get that flat rate 2% cash back without paying an annual fee.

Things to Consider

Cash back is not always the most lucrative reward. Some cards that offer travel rewards pay you more than 2% back in value. If you are a regular traveler, those are worth looking into. Balance transfer fees are $5 or 3%, whichever is greater.

Our Verdict

This card is simple, but offers very compelling cash back. Don’t worry about rotating categories or tracking where to use each card. With Citi® Double Cash Card, you get 2% back across the board. Also enjoy 18 months at 0% APR for balance transfers and no annual fee. There is no limit to how much cash back you can earn. This card is also loaded with standard benefits like price protection and rental car insurance. Among all no fee credit cards, this is our favorite for cash back. If you don’t want to deal with complicated categories and limits, this is the card for you. Apply today.

Best Credit Card with No Annual or Transaction Fees

More Details

  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • 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
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening

Regular APR

12.49%, 20.49%, or 25.49% Variable

Benefits

Regular world travelers are used to paying around 3% of every purchase abroad in fees. Fees eat up your hard-earned income and can cost you thousands over years of travel. Some cards offer no foreign transaction fees, but most charge an annual fee. If you want to pay no foreign transaction fees and no annual fee, JetBlue Card® is the card for you. Plus, earn 5,000 bonus points after spending $1,000 in the first 90 days after opening an account. Then earn 3x points on JetBlue purchases, 2x at restaurants and grocery stores and 1x everywhere else.

Things to Consider

While this card charges no annual fee, the sign-up bonus is not as good as the JetBlue Plus Card®, which has more benefits. APR ranges from 12.49%, 20.49%, or 25.49% Variable based on your credit history.

Our Verdict

If you are a world traveler and want to spend money abroad without worrying about fraud or fees, this card is perfect for your needs. Enjoy standard benefits like fraud protection. JetBlue points have no blackout dates and can be used for any seat on JetBlue flights. Plus,points never expire. JetBlue offers family pooling so you can combine miles with relatives for bigger and better rewards. All of this with no annual fee. If you love travel and hate fees, apply for the JetBlue card today.

Our Methodology

SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing no fee credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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