Credit cards without an annual fee are good for your first credit card, to supplement your other credit cards or as an emergency source of financing in case unexpected charges come up. Show
The common thread with the best credit cards with no annual fee is they offer a well-rounded value proposition. Not only do they feature some of the best rewards programs for maximizing your budget, they offer a fruitful welcome bonus and a reasonably long introductory APR period, which may allow the cardholder to temporarily avoid interest on large purchases and balance transfers.
 Intro OfferEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. APR17.99% - 26.74% Variable Intro Purchase APR0% Intro APR on Purchases for 15 months Recommended Credit Excellent, Good Reward Rates
Annual Fee$0 Intro Balance Transfer APR0% Intro APR on Balance Transfers for 15 months Balance Transfer APR17.99% - 26.74% Variable Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater. Foreign Transaction Fees 3% of each transaction in U.S. dollars Penalty APR Up to 29.99%
Our TakeThe Chase Freedom Flex offers a wide range of cash-back rewards and additional perks all with no annual fee. The rewards include popular spending categories, and the quarterly rotating bonus categories often catch other big-budget items. Now through December, you earn 5% cash back on PayPal and Walmart purchases on up to $1,500 in combined spending, then 1%. You'll have to activate this benefit through your account to take advantage of it, though. You can earn a very competitive welcome bonus and take advantage of the introductory APR. The welcome bonus can be redeemed for statement credits against your purchases, and the introductory APR can give you some cushion to pay back big purchases over a longer time period while avoiding interest charges. For more information, see our full review of the Chase Freedom Flex.
Intro Offer25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. APR16.99% - 26.99% Variable APR on purchases and balance transfers Intro Purchase APR0% Intro APR for 18 billing cycles for purchases Recommended Credit Excellent/Good Reward Rates
Annual Fee$0 Intro Balance Transfer APR0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies. Balance Transfer APR16.99% - 26.99% Variable APR on purchases and balance transfers Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater. Late Payment Fee See terms Foreign Transaction Fees None Penalty APR up to 29.99% APR
Our TakeThis online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now. With the Bank of America® Travel Rewards credit card, you earn 1.5 points (equivalent to 1.5 cents) for every dollar spent on any purchase, anywhere. These points can be redeemed for statement credits against travel expenses (like hotels and flights) and restaurants, with no restrictions on airlines, websites or dates. You'll also enjoy no foreign transaction fees, so anywhere you travel to, you can use this credit card without penalty. The sign-on bonus and introductory APR on purchases and balance transfers make this a well-rounded everyday credit card, as well. For more details, see our full review of the Bank of America Travel Rewards card.
Intro OfferIntro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year. There's no minimum spending or maximum rewards. You could turn $150 cash back into $300. APR14.99% - 25.99% Variable Intro Purchase APR0% for 15 months Recommended Credit Good/Excellent Reward Rates
Annual Fee$0 Intro Balance Transfer APR0% for 15 months Balance Transfer APR14.99% - 25.99% Variable Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* Late Payment Fee None the first time you pay late. After that, up to $41. Foreign Transaction Fees None
Our TakeThe Discover it® Cash Back* is another good card that costs nothing but a good credit score to open. It offers decent rewards and an introductory APR on purchases and balance transfers, but what makes this card really stand out is the Unlimited Cashback Match welcome bonus. For your first year as a cardholder, all of your cash back earned is essentially doubled by Discover, with no limitations. You can rack up a lot more cash back with this welcome bonus than with most credit cards, but you'll have to be patient to earn it, as Discover won't match your cash back until after your full first year as a cardholder is up. For the quarterly rotating bonus category, you'll earn 5% cash back on up to $1,500 in combined spending for the quarter, then 1%. You have to activate these rewards through your account each quarter to earn them, though. Now through December, you can earn these rewards on Amazon.com and digital wallet purchases. For more information, see our full review of the Discover it Cash Back.
Intro OfferEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. APR17.74% - 27.74% (Variable) Intro Purchase APR0% for 15 months on purchases Recommended Credit Excellent, Good Reward Rates
Annual Fee$0 Intro Balance Transfer APR0% for 15 months on balance transfers Balance Transfer APR17.74% - 27.74% (Variable) Balance Transfer Fee Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. Late Payment Fee Up to $41 Foreign Transaction Fees 3% Penalty APR Up to 29.99% (Variable)
Our TakeThe Citi Custom Cash card offers flexibility in your rewards -- but unlike with the Discover it Cash Back and Chase Freedom Flex, the flexible category is dictated by your own spending rather than by the credit card issuer. Without having to manually activate anything, this credit card will apply 5% cash back to your topmost spending category each billing cycle, on up to $500 spending per billing cycle (then 1%). Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment. As with the other options on this list, you can also take advantage of the welcome bonus and introductory APR with this card. For more details, see our full review of the Citi Custom Cash Card.
Intro OfferEarn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months APR18.74%, 23.74%, or 28.74% Variable APR Intro Purchase APR0% intro APR for 15 months from account opening Recommended Credit Excellent, Good Reward Rates
Annual Fee$0 Intro Balance Transfer APR0% intro APR for 15 months from account opening on qualifying balance transfers Balance Transfer APR18.74%, 23.74%, or 28.74% Variable APR Balance Transfer Fee up to 5%; min: $5 Foreign Transaction Fees 3% Penalty APR None
Our TakeThe Wells Fargo Active Cash Card offers an unlimited 2% flat cash rewards structure, making this a simple but powerful card. There's no worrying about reward limits or bonus categories -- you'll earn a flat rewards rate on eligible everyday purchases. Plus, if you spend $1,000 in purchases in the first three months of opening your account, you'll earn a $200 cash rewards welcome bonus. You can also take advantage of the low introductory APR on purchases and qualifying balance transfers, as this is a well-rounded card. Check out our full review of the Wells Fargo Active Cash Card for more details. Read our Wells Fargo Active Cash Card review.
Intro OfferN/A APR16.50% - 27.00% Variable Intro Purchase APRN/A Recommended Credit Excellent/Good Credit Reward Rates
Annual FeeNone Balance Transfer APR16.50% - 27.00% Variable Balance Transfer Fee 2% of the amount of each transfer. Penalty APR NONE
Our TakeThe X1 Card can net you up to five times the credit limit of other credit cards, because it bases your credit limit off of your income more so than your credit. It's a metal card that can earn a flat 3x points per dollar if you spend at least $15,000 per year (equivalent to 3% back depending on how you redeem), which is very hard to beat. X1 partners with a wide variety of merchants where you can redeem your rewards for 1 cent per point. Values drop slightly if you redeem for statement credits, however. On top of its strong rewards, you can generate a variety of virtual credit cards to help keep your purchases secure, among other features. Want to learn more? Read our X1 Card review.
Intro OfferEarn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening APR17.99% - 27.99% (Variable) Intro Purchase APR0% intro on purchases for 15 months Recommended Credit Excellent, Good Reward Rates
Annual Fee$0 Intro Balance Transfer APR0% intro on balance transfers for 15 months Balance Transfer APR17.99% - 27.99% (Variable) Balance Transfer Fee 3% Late Payment Fee Up to $40 Foreign Transaction Fees None Penalty APR None
Our TakeThe Capital One SavorOne is a great weekend companion. It rewards you for entertainment purchases like movie tickets or bowling, dining out, and popular streaming services including Netflix, Hulu and Disney+ -- everything that makes for a successful weekend. If you're someone who's often catching live shows and dining out, you could get a lot out of this card. And for those who prefer quiet nights in, you can binge your favorite shows and buy the snacks while still earning rewards.
Intro OfferOne-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening APR17.99% - 27.99% (Variable) Intro Purchase APR0% intro on purchases for 15 months Recommended Credit Excellent, Good Reward Rates
Annual Fee$0 Intro Balance Transfer APR0% intro on balance transfers for 15 months Balance Transfer APR17.99% - 27.99% (Variable) Balance Transfer Fee 3% Late Payment Fee Up to $40 Foreign Transaction Fees None Penalty APR None
Our TakeThe Capital One Quicksilver earns an unlimited 1.5% cash back. That makes it a flexible choice for those who spend on a variety of different purchases. Consider pairing it with a rewards card that earns higher rewards for specific purchases to maximize the return on your spending. And considering it earns 5% cash back for hotels and rental cars booked through Capital One Travel with no foreign transactions fees, it could be used as a low-level travel credit card.
Intro OfferFor a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. APR17.74% - 27.74% (Variable) Intro Purchase APRN/A Recommended Credit Excellent, Good Reward Rates
Annual Fee$0 Intro Balance Transfer APR0% intro for 18 months on Balance Transfers Balance Transfer APR17.74% - 27.74% (Variable) Balance Transfer Fee There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. Late Payment Fee Up to $41 Foreign Transaction Fees 3% Penalty APR Up to 29.99% (Variable)
Our TakeThe Citi Double Cash card is one of the best flat-rate cash-back credit cards around. For no annual fee, cardholders earn 2% cash back for their purchases -- 1% when they buy, and then 1% when they pay it off. It also features a long 0% introductory APR for balance transfers. Cardholders get 18 months before the standard APR of 17.74% to 27.74% (variable) applies. Balance transfers must be completed within four months of account opening. Just be aware there is an intro balance transfer fee of 3% ($5 minimum) for transfers completed within the first four months of account opening. After that, it'll be 5% of each transfer ($5 minimum). There really isn't much to it other than that, use it for your purchases to earn plenty of rewards, or utilize a balance transfer to eliminate some of your existing credit card debt. Read our Citi Double Cash Card review for more information.
Intro OfferLimited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023 APR18.74%, 23.74%, or 28.74% Variable APR Intro Purchase APR0% intro APR for 12 months from account opening Recommended Credit Excellent/Good Reward Rates
Annual Fee$0 Balance Transfer APR18.74%, 23.74%, or 28.74% Variable APR Balance Transfer Fee 3% for 120 days from account opening, then up to 5%; min: $5 Penalty APR None
Our TakeIf you're looking for an inexpensive way to earn rewards for a multitude of different purchases, consider the Wells Fargo Autograph card. Its rewards cover an impressive array of different purchases, making it a solid choice for spenders who enjoy traveling and dining. The card also earns rewards for transit, including rideshares, that make it easy to get home safely. It even features a 0% intro APR for purchases for 12 months from account opening (then 18.74%, 23.74%, or 28.74% variable) to help avoid interest charges. You can learn more about it in our Wells Fargo Autograph card review.
Intro OfferIntro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! APR17.99% - 26.74% Variable Intro Purchase APR0% Intro APR on Purchases for 15 months Recommended Credit Excellent/Good Reward Rates
Annual Fee$0 Intro Balance Transfer APR0% Intro APR on Balance Transfers for 15 months Balance Transfer APR17.99% - 26.74% Variable Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater. Foreign Transaction Fees 3% of each transaction in U.S. dollars Penalty APR Up to 29.99%
Our TakeThe Chase Freedom Unlimited has the potential to be a very rewarding choice, particularly if you can book your travel through Chase Ultimate Rewards or if you like to dine out a lot. It's a strong general rewards card that you could use to bolster the return on your spending. Consider using it in tandem with another card that offers even greater rewards for specific purchases such as gas and groceries. That way your essential purchases will be covered -- dining out, gas, groceries, drug stores, plus an above-average base rate. Read more about it in our Chase Freedom Unlimited review. FAQsHow much are credit card annual fees?Many rewards credit cards and travel credit cards have annual fees around $100. These are usually associated with better rewards rates and perks. Some credit cards, like premium travel credit cards, can cost hundreds of dollars or even more. These credit cards often offer a lot of annual statement credits or other niche benefits. Are there balance transfer credit cards with no annual fee?Yes. In fact, most balance transfer credit cards offer no annual fee. You'll want to keep an eye out for balance transfer fees, though. Most cards charge a 3% balance transfer fee, but some charge as much as 5%. Otherwise, you can find a handful of credit cards with no balance transfer fee. How can you tell if a credit card annual fee is worth the cost?First, make sure you have room in your budget to handle an annual fee. Then you want to make sure that any rewards or benefits you get from the credit card will outweigh the annual costs. Consider the rewards program and how it fits your lifestyle, welcome bonuses and other perks when valuing a credit card's offer. Our methodologyCNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone's financial situation is different -- and the designated function of a card. *All information about the Discover it Cash Back has been collected independently by CNET and has not been reviewed by the issuer. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners. Which credit card gives best rewards points?List of Best Rewards Credit Cards in India 2022. SBI SimplyCLICK Credit Card.. American Express SmartEarn Credit Card.. Citi Rewards Credit Card.. IDFC FIRST Select Credit Card.. RBL Bank ShopRite Credit Card.. HSBC Smart Value Credit Card.. Are Points credit card worth it?Yes, credit card rewards are worth it if you pay your credit card bill in full every month. By doing that, you won't be charged credit card interest on your purchases. The great thing about rewards is they allow you to get value back on every eligible purchase, just because you're paying by credit card.
Which points card is best in Canada?Compare the best rewards credit cards. BMO eclipse Visa Infinite* Card. go to site check eligibility. Annual fee. ... . American Express Cobalt® Card. go to site check eligibility. Annual fee. ... . CIBC Dividend® Visa Infinite* Card. go to site check eligibility. ... . Scotiabank Passport™ Visa Infinite* Card. go to site check eligibility.. Is no annual fee good?Paying an annual fee on a credit card can be worth it. But in many cases, credit cards that don't charge annual fees offer better long-term value than those that do. No-annual-fee credit cards make it easy to come out ahead, regardless of your spending.
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Best points credit card no annual fee
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