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My Cadillac Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- 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
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 1.2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2% cash back
My Buick Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- 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
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
My Chevy Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- 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
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 4% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
My GMC Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- 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
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 4% cash back
+ 0.8% cash back
+ 2% cash back
+ 2.4% cash back
+ 1.2% cash back
Simon® American Express® Credit Card
Shop More. Earn More
- Regular Purchase APR 19.74% to 29.74% 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 American Express
- No annual fee
- No foreign transaction fees
- Earn 5% at participating merchants
- Earn 3% with retailers at any Simon Mall, Mills, or Premium Outlet in the U.S.
- Earn 1.5% on Simon gift cards and mobile wallet purchases
- Earn 1% on all your other card purchases
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.99%
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 4% cash back
+ 0.8% cash back
+ 2% cash back
+ 2.4% cash back
+ 1.2% cash back
My GM Rewards Card™
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- 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
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 0.8% cash back
Citi® Diamond Preferred® Card
0% Intro APR for 21 Months on Balance Transfers
- Regular Purchase APR 17.24% - 27.99% (Variable)
- Balance Transfer APR 17.24% - 27.99% (Variable)
- Cash Advance APR 29.49% (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
- 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 17.24% - 27.99%, 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: 17.24% - 27.99% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 17.24% - 27.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.49% (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
+ 1.2% cash back
+ 2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
Bilt Mastercard
Finally. A Card that Earns Points on Rent & More
- Regular Purchase APR See Terms
- Balance Transfer APR See Terms
- Cash Advance APR See Terms
- 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
- No annual fee
- No foreign transaction fees
- Earn 1X points on rent payments (up to 50,000 points each calendar year)
- Earn 2X points on travel
- Earn 3X points on dining
- Regular Purchase APR: See Terms
- Balance Transfer APR: See Terms
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 4% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
Citi® Double Cash Card – 18 month BT offer
Earn 2% Cash Back on All Purchases
- Regular Purchase APR 18.24% - 28.24% (Variable)
- Balance Transfer APR 18.24% - 28.24% (Variable)
- Cash Advance APR 29.49% (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
- 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.
- 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 18.24% - 28.24%, 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: 18.24% - 28.24% (Variable)
- Intro Balance Transfer APR: 0% for 18 months on Balance Transfers
- Balance Transfer APR: 18.24% - 28.24% (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: 29.49% (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
+ 2% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 4% cash back
Citi Simplicity® Card
0% Intro APR on Purchases and Balance Transfers
- Regular Purchase APR 18.24% - 28.99% (Variable)
- Balance Transfer APR 18.24% - 28.99% (Variable)
- Cash Advance APR 29.49% (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 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 18.24% - 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 18.24% - 28.99% (Variable)
- Balance Transfer Transaction Fee: 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, 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.49% (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
+ 0.8% cash back
+ 4% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2% cash back
+ 2.4% cash back
You've viewed 10 of 564 credit cards
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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
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What is the Longest 0% APR Credit Card?
What credit cards offer the longest 0% APR period for new applicants? Here are the current longest intro periods to help find your BestCard