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No Annual Fee Credit Cards
  • Without yearly membership fees and monthly maintenance fees.
  • Many of these cards not only have rewards but also come with a variety of perks and benefits.
  • Compare offers from our partners on no annual fee credit cards to find the one for you.
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on American Express secure site
Bonus Spending Rewards Annual Fee
Earn $200 Back. Terms Apply. 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms Apply No Annual Fee
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. 
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. 
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores. 
  • 1% Cash Back on other purchases. 
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. 
  • No annual fee. 
  • Terms Apply.
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From Our Partner: American Express Rates & Fees
Citi Custom Cash℠ Card
Earn $200 in Cash Back After Qualifying Purchase
Apply Now
on Citi secure site
Bonus Spending Rewards Annual Fee
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. $0
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
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From Our Partner: Citi
Wells Fargo Active Cash℠ Card
Earn A $200 Cash Rewards Bonus After Qualifying Purchase
Apply Now
on Wells Fargo secure site
Bonus Spending Rewards Annual Fee
Earn A $200 Cash Rewards Bonus After Qualifying Purchase Earn unlimited 2% cash rewards on purchases $0
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select "Apply Now" to learn more about the product features, terms and conditions
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From Our Partner: Wells Fargo Rates & Fees
Chase Freedom Flex℠
$200 Bonus + Up to 5% Cash Back
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
$200 Bonus 5% cash back offer $0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
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From Our Partner: Chase
Walmart Rewards™ Mastercard®
Up to $25 welcome bonus Walmart Reward Dollars
Apply Now
on Walmart Canada Credit Cards secure site
Bonus Spending Rewards Annual Fee
Up to $25 welcome bonus Walmart Reward Dollars Earn up to 1.25% unlimited Walmart Reward Dollars™ every time you use your card to make a purchase $0
  • Start earning Big rewards today!
  • Easy to apply, Easy to earn
  • Up to $25 welcome bonus Walmart Reward Dollars
  • No limit on how much you could earn
  • In store, online, gas stations - earn rewards pretty much everywhere you shop and with no annual fees
  • Use your rewards as cash on anything Walmart sells
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From Our Partner: Walmart Canada Credit Cards
Walmart Rewards™ World Mastercard®
Up to $25 welcome bonus Walmart Reward Dollars
Apply Now
on Walmart Canada Credit Cards secure site
Bonus Spending Rewards Annual Fee
Up to $25 welcome bonus Walmart Reward Dollars Earn up to 3% unlimited Walmart Reward Dollars™ every time you use your card to make a purchase $0
  • Start earning Big rewards today!
  • Easy to apply, Easy to earn
  • Up to $25 welcome bonus Walmart Reward Dollars
  • No limit on how much you could earn
  • In store, online, gas stations - earn rewards pretty much everywhere you shop and with no annual fees
  • Use your rewards as cash on anything Walmart sells
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From Our Partner: Walmart Canada Credit Cards
Ink Business Cash® Credit Card
Earn $750 bonus cash back
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Earn $750 bonus cash back Earn 5% cash back in select business categories $0
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases
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From Our Partner: Chase
Delta SkyMiles® Blue American Express Card
Earn 10,000 bonus miles. Terms Apply.
Apply Now
on American Express secure site
Bonus Spending Rewards Annual Fee
Earn 10,000 bonus miles Earn 2x Miles with restaurant and Delta purchases. Terms Apply $0
  • Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months. 
  • No Annual Fee. 
  • Earn 2X Miles per dollar at restaurants, now worldwide. 
  • Earn 2X Miles per dollar spent on Delta purchases. 
  • Earn 1X Mile on all other eligible purchases. 
  • No Foreign Transaction Fees. 
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets. 
  • Terms Apply.
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From Our Partner: American Express Rates & Fees
Marriott Bonvoy Bold® Credit Card
Earn 30,000 Bonus Points
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Earn 30,000 Bonus Points Up to 14X total points per $1 spent at hotels participating in Marriott Bonvoy®. $0
  • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
  • Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
  • Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
  • 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
  • 1X point for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
  • No Foreign Transaction Fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
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From Our Partner: Chase
Chase Freedom Unlimited®
Up to $300 cash back
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Up to $300 cash back 1.5% - 5% cash back $0
  • INTRO 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!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
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From Our Partner: Chase
Hilton Honors American Express Card
Earn Up to 130,000 Bonus Points. Terms Apply.
Apply Now
on American Express secure site
Bonus Spending Rewards Annual Fee
Earn Up to 130,000 Bonus Points Up to 7 Points/$1. Terms Apply $0
  • Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. 
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months. 
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio. 
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. 
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. 
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad. 
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year. 
  • No Annual Fee. 
  • Terms Apply.    
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From Our Partner: American Express Rates & Fees
Ink Business Unlimited® Credit Card
Earn $750 bonus cash back
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Earn $750 bonus cash back Earn unlimited 1.5% cash back on every purchase $0
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
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From Our Partner: Chase
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Earn 80,000 bonus points Earn up to 15 points total per $1 spent when you stay at an IHG hotel. $0
  • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • No Annual Fee
  • Earn up to 15 points total per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • No Foreign Transaction Fees
  • Fourth Reward Night Free
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
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From Our Partner: Chase
Citi Rewards+® Card
Earn 20,000 Bonus Points After Qualifying Purchase
Apply Now
on Citi secure site
Bonus Spending Rewards Annual Fee
Earn 20,000 Bonus Points After Qualifying Purchase Earn 2x Points at Supermarkets and Gas Stations $0
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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From Our Partner: Citi
Bonus Spending Rewards Annual Fee
N/A Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay $0
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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From Our Partner: Citi
United Gateway℠ Card
Earn 20k Bonus Miles
Apply Now
on Chase secure site
Bonus Spending Rewards Annual Fee
Earn 20k Bonus Miles Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible restaurant orders over $12 for one year with DashPass, DoorDash's membership. Activate by 3/31/2022. $0
  • Earn 20,000 bonus miles.
  • No annual fee
  • Earn 2 miles per $1 spent on United purchases, at gas stations and on local transit and commuting
  • Earn 2 miles per $1 spent on United purchases
  • Earn 2 miles per $1 spent at gas stations
  • Earn 2 miles per $1 spent on local transit and commuting
  • Earn 1 mile per $1 spent on all other purchases
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From Our Partner: Chase
Bonus Spending Rewards Annual Fee
N/A N/A $0
  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 14.99% - 23.74% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
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From Our Partner: Chase
Hotels.com® Rewards Visa® Credit Card
Get 2 Reward Nights Worth $250 Total ($125 Per Night)*. *Terms Apply.
Apply Now
on Wells Fargo secure site
Bonus Spending Rewards Annual Fee
Get 2 Reward Nights Worth $250 Total ($125 Per Night)*. *Terms Apply. N/A $0
  • Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee.
  • For the first year, you'll enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi and more at select properties.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when you passenger fare is booked with your card.
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From Our Partner: Wells Fargo Rates & Fees
Wells Fargo Reflect℠ Card
Lowest Intro APR for Up to 21 Months
Apply Now
on Wells Fargo secure site
Bonus Spending Rewards Annual Fee
Lowest Intro APR for Up to 21 Months from Account Opening N/A $0
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 12.99% to 24.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
  • $0 Annual Fee
  • Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
  • Select “Apply Now” to learn more about the product features, terms and conditions
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From Our Partner: Wells Fargo Rates & Fees
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