Below we present the list of the best credit cards with no annual fee, also known as credit cards without annuity or credit cards with no annual fee. No annual fee credit card is perfect, but one that fits your needs to maximize repayments. This includes if you spend more on travelling, grocery stores, restaurants, or another category.
Among the greatest benefits that credit card companies with no annual fee can offer you, include:
- Prize for new users, which on average is $200.
- Reimbursement (cash back) of purchases made with your card, which could vary between 1% to 5%.
- 0% interest, usually 12-15 months, on purchases and balance transfers.
- 0% interest for foreign transactions.
Since the credit card with no annual fee may be used in your country of origin or on vacation outside the United States, it is important that the card does not have fees for transactions made in a foreign currency. Most credit cards with no annual fee have a 3% cost for foreign transactions, but more and more companies are offering this benefit at no additional cost. There are four international transaction fee-free cards on this list：
- Capital One SavorOne
- Capital One QuickSilver
- US Bank Altitude
- Bank of America Travel Rewards
In addition to the cards offered by the major banks in the United States, be sure to consider credit cards at your local credit union.
1- Capital One Savor One Cash Rewards
- New members get $200 when they spend more than $500 in the first 3 months.
- 3% reimbursement for expenses in restaurants, supermarkets, entertainment and some streaming services.
- 1% for all other unlimited purchases.
- 10% cashback on Uber and Uber Eats. Free Uber One membership until November 2024.
- 0% interest for 15 months on purchases and balance transfer.
- Variable interest between 19.99% and 29.99% after the first 15 months.
- 0% for purchases made outside the United States.
SavorOne from Capital One is an example of the best credit cards with no annual fee, since it offers you an introductory bonus, gives you refunds, has a 0% interest offer for a period of time and $0 fees if you use it outside the United States.
2- Bank of America Travel Rewards
- Bank of America Travel Rewards is one of the best no-annuity credit cards.
- You receive 25,000 points (+/- $250) when you spend $1,000 in the first 90 days.
- Earn unlimited 1.5 points for every $1 you spend at any location and category.
- 0% interest for 18 months on purchases made and balance transfers.
- After 18 months, the interest can vary between 18.24% and 28.24%
- $0 foreign transaction fees.
- One of the few cards with $0 annual fee, introductory bonus and $0 fees for international transactions.
One of the best credit cards without an annuity because you can accumulate points and it does not charge you to use it outside the United States.
3- Capital One Quicksilver Cash Rewards
- Capital One QuickSilver is one of the best credit cards.
- Earn $200 once you spend $500 in the first 3 months.
- 1.5% cash back on all purchases regardless of category.
- Receive up to 6 months of Uber One membership by November 2024.
- 0% interest on purchases and balance transfers in the first 15 months.
- After the first 15 months, the interest varies between 19.99% and 29.99%.
- $0 fee for purchases outside of the United States.
This is one of the credit cards without an annuity that is similar to another card included in this list, SavorOne, also from Capital One. The difference is that this one rewards you with 1.5% cash back, regardless of which category you spend in.
4- Chase Freedom Unlimited Visa Card
- Chase Freedom Unlimited is one of the best no-annuity cards.
- You receive $200 if you spend more than $500 in the first 3 months.
- Earn 5% cash back on grocery stores (excluding Target and Walmart) up to $12,000 spent in the first year.
- 5% back on travel purchases in Chase Ultimate Rewards
- 3% cash back at restaurants, pharmacies and food delivery services.
- 1.5% cash back for all other purchase categories.
- 0% for balance transfer and purchases made for the first 15 months.
- After 15 months, variable interest between 18.74% to 27.49%.
- 3% charge for purchases made outside the United States.
Freedom Unlimited is one of the best credit cards without an annuity because you don’t have to worry in which category you are going to use it. Gives you access to use Chase Ultimate Rewards benefits, which amplify the rewards you’ve received.
5-U.S. Bank Altitude Go Visa Card
- U.S. Bank Altitude Go is one of the best credit cards.
- Receive 20,000 equal to $200 when you spend $1,000 in the first 3 months.
- 4% reimbursement for expenses in restaurants and food delivery services.
- 2% reimbursement for expenses in supermarkets, streaming services, gas stations.
- 1% cash back on all other expenses.
- $15 back for annual memberships like Netflix, Apple TV+, Spotify and more.
- 0% interest for 12 months on purchases and balance transfers.
- After 12 months the interest can vary between 19.24% and 28.24%.
- 0% interest on purchases made outside of the United States.
This U.S. option Bank enters the list of the best credit cards with no annual fee because it gives us all the benefits you need, especially that it has no cost for foreign transactions.
6- Chase Freedom Flex MasterCard
- Earn $200 after spending $500 in the first 3 months.
- Earn 5% cash back on grocery stores (excluding Target and Walmart) up to $12,000 spent in the first year.
- Earn 5% for purchases in categories that you activate each quarter.
- 5% back on travel purchases in Chase Ultimate Rewards.
- 3% cash back at restaurants, pharmacies and food delivery services.
- 1% cash back on all other categories.
- 0% for balance transfer and purchases made for the first 15 months.
- After 15 months, variable interest between 18.74% to 27.49%.
- 3% charge for purchases made outside the United States.
Of the cards with no annual fee, this is more flexible than the Freedom Unlimited, also from Chase. Flex gives you more reimbursement in certain quarterly categories that you must activate. If you don’t want to be aware that you have to activate those categories, with Freedom Unlimited you don’t have to activate anything.
7- Blue Cash Everyday from American Express
- You receive up to $250 for being a new customer: $100 if you spend more than $2,000 in the first 6 months and 20% of what you spend on PayPal each month, up to $150.
- 3% reimbursement in supermarkets and online stores up to a maximum of $6,000.
- 3% refund at gas stations within the United States.
- 1% cash back on all other purchases.
- $7 monthly rebate for The Disney Bundle (Disney +, Hulu, ESPN+).
- 0% interest for 15 months for purchases and transfers in the first 60 days.
- After 15 months the interest can vary between 18.24% and 29.24%.
- 2.7% charge for transactions made in another currency than the dollar.
8- Bank of America Customized Cash Rewards
- Bank of America Customized Cash Rewards is one of the best cards with no annual fee.
- You receive a $200 reward if you spend more than $1,000 in the first 90 days.
- 3% cash back in a category of your choice, which you can change each month.
- 2% cash back at supermarkets and wholesale stores like Costco, and Sam’s Club.
- You earn 1% on all other purchases.
- 0% for 18 months on purchases and balance transfers made in the first 60 days
- After 18 months, the interest can vary between 18.24% and 28.24%
- 3% for transactions made with a currency other than the dollar.
This is one of the best cards with no annual fee from Bank of America because it rewards you for being a new customer, it rewards you for your purchases, and you pay no interest for up to 18 months. Usually the average without interest is 15 months.
9- Wells Fargo Active Cash
- Wells Fargo Active Cash Card is one of the best cards with no annual fee.
- Earn $200 when you spend $1,000 in the first 3 months.
- 2% refund on all your purchases regardless of category.
- 0% interest for 15 months on purchases and balance transfers.
- After 15 months, the interest could be 19.24%, 24.24%, or 29.24%.
- 3% charge for transactions made in foreign currency.
Up to $600 in cell phone protection when you pay your monthly bill with your Wells Fargo Active Cash card.
10- Citi Custom Cash Card
- Earn $200 after you spend $1,500 in the first 6 months.
- Earn 5% back on spend up to $500 in popular categories like restaurants, gas stations, grocery stores, pharmacies, hardware stores, gyms, streaming services, and live entertainment.
- Earn unlimited 1% cash back on all other categories.
- 0% interest for 15 months on all your purchases and balance transfers.
- After 15 months, the interest can vary between 18.24% and 28.24%.
- There is a 3% fee for transactions made outside of the United States.
Citi Custom Cash is one of the best no annual fee credit cards offered by Citibank. Usually, many web pages mention a Citi Double Cash card instead, but Double does not offer an introductory bonus like Citi Custom Cash is doing. Citi Double Cash gives you 1% back after you spend something, and another 1% when you pay your bill.
