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Sam's Club® Mastercard®
- Regular Purchase APR 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Mastercard
- Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
- Earn 3% cash back on Sam's Club purchases for Plus members. Club members earn 1% cash back
- Earn 3% cash back on dining and takeout
- Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
- No annual fee
- Regular Purchase APR: 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Citi® Double Cash Card – 18 month BT offer
- Regular Purchase APR 16.99% - 26.99% (Variable)
- Balance Transfer APR 16.99% - 26.99% (Variable)
- Cash Advance APR 28.24% (Variable)
- Annual Fee $0
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, 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).
- Regular Purchase APR: 16.99% - 26.99% (Variable)
- Intro Balance Transfer APR: 0% for 18 months on Balance Transfers
- Balance Transfer APR: 16.99% - 26.99% (Variable)
- Balance Transfer Transaction Fee: 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.
- Cash Advance APR: 28.24% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Citi® Diamond Preferred® Card
- Regular Purchase APR 16.74% - 26.74% (Variable)
- Balance Transfer APR 16.74% - 26.74% (Variable)
- Cash Advance APR 28.24% (Variable)
- Annual Fee $0
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months on Purchases
- Processing Network Mastercard
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.74% - 26.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 16.74% - 26.74% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 16.74% - 26.74% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 28.24% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!The Gemini Credit Card™
- Regular Purchase APR 15.99% to 26.99% Variable
- Cash Advance APR 28.99% Variable
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn crypto rewards on every purchase with the new Gemini Credit Card™
- Earn rewards in 60+ cryptos on every purchase with the new Gemini Credit Card™
- Watch the crypto you earn land in your Gemini account the instant you swipe, not a month later
- Get up to 3% crypto back* on every purchase with the new Gemini Credit Card™
- A Gemini Mastercard®. Issued by WebBank
- *Terms Apply
- Regular Purchase APR: 15.99% to 26.99% Variable
- Cash Advance APR: 28.99% Variable
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 32.99% Variable
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $35
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Citi Custom Cash℠ Card
- Regular Purchase APR 16.99% - 26.99% (Variable)
- Balance Transfer APR 16.99% - 26.99% (Variable)
- Cash Advance APR 28.24% (Variable)
- Annual Fee $0
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 15 months on Purchases
- Processing Network Mastercard
- Earn $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.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.99% - 26.99%, 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.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 16.99% - 26.99% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 16.99% - 26.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 28.24% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Citi Simplicity® Card
- Regular Purchase APR 17.74% - 27.74% (Variable)
- Balance Transfer APR 17.74% - 27.74% (Variable)
- Cash Advance APR 28.24% (Variable)
- Annual Fee $0
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months on Purchases
- Processing Network Mastercard
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 27.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 17.74% - 27.74% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 17.74% - 27.74% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 28.24% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: No Late Fee
- Return Payment Penalty Fee: Up to $41
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Upgrade Cash Rewards Visa®
- Regular Purchase APR 14.99%-29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Visa
- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Capital One VentureOne Rewards Credit Card
- Regular Purchase APR 16.49%, 22.49% or 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.49%, 22.49% or 26.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Intro Purchase APR 0% for the first 15 months that your account is open
- Processing Network Visa
- Earn 20,000 bonus miles after spending $500 within the first 3 months
- Unlimited 1.25X miles per dollar on every purchase
- Transfer miles to 15 available airline partners
- No foreign transaction fees
- 5X miles per dollar when you book car rentals and hotel stays through Capital One Travel
- Intro Purchase APR: 0% for the first 15 months that your account is open
- Regular Purchase APR: 16.49%, 22.49% or 26.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months after account opening date
- Balance Transfer APR: 16.49%, 22.49% or 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts at a promotional APR. None for balances transferred at the Transfer APR
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Divvy Credit Card
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Visa
- Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
- Combines seamless expense management software with business cards so you never have to process another expense report
- No interest rates
- No annual fee
- No contract, no obligations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!USAA Rate Advantage Visa Platinum® Card
- Regular Purchase APR 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- Pay no foreign transaction fees when you travel outside the U.S.
- Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
- Extend your manufacturer's or U.S. store-brand warranties
- No annual fee
- Regular Purchase APR: 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
- Balance Transfer APR: 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!You've viewed 10 of 561 credit cards
What Does “No Annual Fee” Mean?
No annual fee is a term frequently seen associated with credit card offers. Many of the most prominent credit cards from leading banks like Chase, Citi, or Bank of America charge no annual fee or membership fees.
No annual fee credit cards can provide significant value, despite the lack of a yearly membership fee. While premium credit cards (those that charge an annual fee) often offer the most lucrative rewards and additional perks, many no annual fee rewards cards provide comparable rewards at a much lower price point. In many cases, you’ll still get the same long-term value — including rewards and perks — from a credit card without an annual fee.
Why Choose a Credit Card with No Annual Fee?
No annual fee credit cards are excellent starter credit cards for those new to credit cards and wary of confusing reward programs. No annual fee cards usually lack premium perks like lounge access, TSA precheck, or elite status in loyalty programs. This simplicity makes no annual fee cards ideal for anyone uninterested in reward strategies and maximizing credits but looking to earn rewards with every purchase.
Some no annual fee cards provide 0% intro APR offers on purchases, balance transfers, or both. These introductory periods can help you pay down existing balances (potentially from cards with annual fees or higher interest rates). Balance transfer cards are a great way to avoid the origination costs of personal loans. They may also offer additional bonuses, like cash back or points.
How to Select the Best No Annual Fee Credit Card
With so many offers available, how can you find the right no annual fee card for you? Here are a couple easy ways to evaluate which credit card suits you best.
What are Your Spending Habits?
The most important thing to consider when choosing a new rewards credit card is where you plan to use it. Rewards cards come in several types and amounts. There cash back cards that offer enhanced rewards on specific categories or unlimited rewards at a lower rate; airline and hotel credit cards that reward you for current and future travels, and more.
Understanding your spending habits is key to getting the right card for you. Take the Citi Custom Cash℠ Card, for example. The card earns 5% back on your highest spending category each billing period, with the following categories eligible for that bonus rate:
| Dining | Fitness clubs | Grocery stores |
| Drugstores | Gas stations | Home improvement stores |
| Travel & transit (select) | Live entertainment | Streaming services (select) |
If your spending habits don’t mesh well with the Custom Cash’s rewards structure, you might prefer a card like the Discover It, or Chase Freedom Flex, which earn 5% back in rotating quarterly categories.
Another option is an unlimited cash back credit card, like the Chase Freedom Unlimited, Wells Fargo Active Cash, or Citi® Double Cash Card. The latter, the Double Cash, earns cash back at a rate of 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Are You Paying Down Debt?
Experienced credit cardholders can benefit from the lengthy 0% intro APR periods many excellent no annual fee credit cards provide. There are dozens of excellent cards with zero-interest periods of 12 months or more, including offers from Discover, Citi, Chase, and US Bank.
Balance transfer and low APR credit cards are great for both financing large purchases and paying down balances over time. Weigh the introductory APR period, the regular APR once the promotional period ends, and any additional fees.
Related Article: What is the Longest 0% APR Credit Card?
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The Best No Annual Fee Credit Cards
Looking for a credit card but don’t want to pay an annual fee? Here are some of the very best no annual fee credit card offers available: