Best no annual fee cards - Find Me a Card

Best no annual fee cards

(Last updated: September 2021)

If you're looking for a credit card with no annual fee, then there are a lot of credit cards to choose from. Listed below are our favorite such cards.

Notes:

The details of each offer mentioned in this article were current as of the time this article was written, but might have changed by the time you're reading this. (For example, signup bonuses tend to change every few months or so.) Therefore, make sure to double-check the card offer details on the respective credit card issuer's website before you decide to apply for any particular card.
Total value per year for typical spenders is the average value per year, for the first 5 years of having the card, of all rewards and perks that would be earned by a "typical spender" (spends $1,500 total per month, across spend categories in a way that's consistent with the average U.S. consumer), minus any annual fees.

Credit card	Summary	Annual fee	Signup bonus	Ongoing rewards	Total value per year for typical spenders
Chase Freedom Flex	A no annual fee card with 5% cash back on categories that change every 3 months, 5% on travel (when purchased through Chase's points website), 3% on restaurants and drugstores, and 1% on everything else, as well as a $200 signup bonus.	$0	$200 (after spending $500 w/in 3 months)	Through March 2022: 5x points (i.e., 5% cash back) on Lyft rides. 5% cash back (on up to $1,500 spent per quarter) in categories that rotate each quarter (e.g., gas, restaurants, groceries, and Amazon). 5% cash back on grocery store purchases, on up to $12,000 spent in the first year. (Does not include purchases at Target or Walmart.) 5% cash back on travel purchased through Chase. 3% cash back on restaurants and drugstores. 1% cash back on all other spending. Receive a $10 Lyft credit once per month for every 5 rides you take in a month.	$510 per year
Chase United Gateway	A mediocre card for frequent United Airlines flyers, offering 2x miles on spending at United Airlines, gas stations, and public transit, as well as a 30K miles signup bonus and no annual fee.	$0	30K miles (after spending $3K w/in 6 months)	3x miles on spending at grocery stores, on up to $1,500 spent per month through 9/30/2021. 2x miles on spending at United Airlines, gas stations, and public transit/commuting. 1 mile per dollar for all other purchases.	$417 per year
Barclays Choice Privileges Visa Signature	A surprisingly good card for travel and general spending, with a good signup bonus (75K points) and no annual fee.	$0	75K points (after spending $2K w/in 180 days)	Earn 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date. 15 points per dollar spent at eligible Choice Privileges locations with your Choice Privileges Visa Signature Card and Choice Privileges membership. 5 points per dollar spent on the purchase of Choice Privileges points or Choice Hotels gift card purchases. 2 points per dollar spent on everyday purchases. Barclays Elite Gold status: Earn 10% in bonus points on qualifying stays, and get access to dedicated reservations, customer serivce numbers, and exclusive offers.	$415 per year
Chase Freedom Unlimited	An excellent all-around (general spending) cash back card for most people, due to its 1.5% cash back rate, $200 signup bonus, and no annual fee.	$0	$200 (after spending $500 w/in 3 months)	Through March 2022: 5% cash back on Lyft rides. 5% cash back on grocery store purchases, on up to $12,000 spent in the first year. (Does not include purchases at Target or Walmart.) 5% cash back on travel purchased through Chase. 3% cash back on restaurants and drugstores. 1.5% cash back on all other purchases.	$411 per year
Capital One VentureOne Rewards	A mediocre airline rewards card (1.25 miles per dollar), with a 20K miles early spend bonus and no annual fee.	$0	20K miles (after spending $500 w/in 3 months)	1.25 miles per dollar for all purchases.	$416 per year
Capital One SavorOne Rewards	A decent credit card offering cash back on dining and entertainment, a $200 early spend bonus, and no annual fee.	$0	$200 (after spending $500 w/in 3 months)	3% cash back on groceries, dining, entertainment, and popular streaming services. 1% cash back on all other purchases.	$395 per year
American Express Hilton Honors	A good card for people who are frequent Hilton guests (7x points on Hilton) or who spend on dining, groceries, and gas (5x), which has a welcome bonus of 100K points (after spending $1K w/in 3 months), and no annual fee.	$0	100K points (after spending $1K w/in 3 months)	7x points at Hilton properties. 5x points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. 3x points everywhere else. Hilton Honors Silver status: Includes 15% points bonus, fifth night free on award stays, and two complimentary bottles of water per stay.	$396 per year
US Bank Altitude Go Visa Signature	A good card for spending on restaurants (4x points) as well as groceries, streaming services, and gas (2x), with no annual fee and a 20K points signup bonus.	$0	20K points (after spending $1K w/in 3 months)	4x points on restaurants. 2x on groceries, streaming, and gas. 1x on everything else.	$379 per year
Citi Double Cash	A good card for cash back on general spending (2% cash back -- 1% on purchases, plus another 1% when you pay in full), with no annual fee, but also with no signup bonus.	$0	None	2% cash back on every purchase. (1% when you buy, plus an additional 1% when you pay your credit card statement.)	$371 per year
American Express Blue Cash Everyday	A great no annual fee cash back card for groceries (3% cash back) and gas (2%), with a $150 welcome bonus.	$0	$150 (after spending $2K w/in 6 months)	20% cash back (up to $150 back) on Amazon.com purchases in the first 6 months. 3% cash back on groceries (for up to $6K spent on groceries per year), 2% on gas and some department stores, 1% everywhere else.	$356 per year