Compare No Annual Fee Credit Cards
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- Annual Fee $0
- APR 18.24% - 28.24% Variable APR
- Rewards Rate Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Redeem your rewards for cash at any time.
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $0
- Est. Monthly Rewards $131
- Est. First Year Rewards $1,571
The Bottom Line
The Discover it® Cash Back credit card is an excellent cash back card that currently offers one of the best sign up bonuses on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.
Our Take
The Good
There is no limit to the amount of cash back you can earn with the Cashback Match offer, so you could earn a huge sign up bonus in your first year.
The Not So Good
If you don't want to have to think about the rotating bonus categories, this might not be the best card for you.
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
- Annual Fee $0
- APR 19.99% - 29.99% (Variable)
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $200
- Est. Monthly Rewards $62
- Est. First Year Rewards $948
The Bottom Line
This card has it all; a solid rewards rate and generous sign up bonus, a nice intro APR, and no annual fee.
Our Take
The Good
The one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening is a great way to kick-start your rewards earning. Plus, this card comes with one of the most flexible cash back program on the market.
The Not So Good
You'll need excellent or good credit to get approved.
Card Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
- Annual Fee $0
- APR 19.99% - 29.99% (Variable)
- Rewards Rate 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $200
- Est. Monthly Rewards $75
- Est. First Year Rewards $1,102
The Bottom Line
The Capital One VentureOne Rewards Credit Card is a flexible travel rewards card with a $0 annual fee and a solid rewards rate. There is also a nice intro APR and a generous sign up bonus.
Our Take
The Good
This card offers a solid rewards rate and sign up bonus for a travel rewards card with a $0 annual fee. The rewards are very easy to use and you don't have to worry about airline blackout dates.
The Not So Good
This card does feature some solid benefits, but they're not as strong as you might find on other travel cards.
Card Details
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
- Annual Fee $0
- APR 19.24% - 29.24% (Variable)
- Rewards Rate 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Credit Needed Fair / Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $200
- Est. Monthly Rewards $43
- Est. First Year Rewards $712
The Bottom Line
Between its frankly revolutionary rewards program, great sign-up bonus and a host of other customer-centric features, the Citi Custom Cash® Card is a solid choice with few drawbacks.
Our Take
The Good
This card has a suite of rewards tailor-made for folks who are tired of having to constantly opt-in to rewards categories on other cards to maximize their cash back earning potential.
The Not So Good
The $500 spend cap on earning the full 5% cash back each billing cycle can be a drawback for those regularly spend a lot in any given category every month.
Card Details
- 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 19.24% - 29.24%, 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- 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.
- Annual Fee $0
- APR 19.24% - 34.99% Variable APR as of April 30, 2024
- Rewards Rate 2% cash back* on every purchase
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $0
- Est. Monthly Rewards $107
- Est. First Year Rewards $1,283
The Bottom Line
We don't have a review for this card yet, but sit tight! There's one coming soon.
Our Take
The Good
We don't have a review for this card yet, but sit tight! There's one coming soon.
The Not So Good
We don't have a review for this card yet, but sit tight! There's one coming soon.
Card Details
- 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
- No annual fee*
- Zero Liability Protection
- Secure online and mobile app account access
- Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember.
- Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
- *To see rates & fees, please click here.
*2% cash back is valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made, if the account is open and in good standing. See Rewards Terms for details. We reserve the right to modify features of the Cashback Program at any time.
^NO ANNUAL FEE: New Accounts as of April 30, 2024: Variable Purchase APR 19.24%, 28.24%, or 34.99%. Variable Bal Trans APR 19.24%, 28.24% or 34.99% and 4% Fee ($10 min). Variable Cash APR 22.24%, 31.24% or 37.99% and 5% Fee ($10 min). Variable Penalty APR 29.24%, 38.24% or 39.99%. Minimum Interest Charge is $2. Foreign transaction fee: 3%.
- Annual Fee $0
- APR 7.99-15.49%
- Rewards Rate 2% Unlimited Cashback, 7% Hotels Cash Back
- Credit Needed Fair / Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $0
- Est. Monthly Rewards $107
- Est. First Year Rewards $1,283
The Bottom Line
We don't have a review for this card yet, but sit tight! There's one coming soon.
Our Take
The Good
We don't have a review for this card yet, but sit tight! There's one coming soon.
The Not So Good
We don't have a review for this card yet, but sit tight! There's one coming soon.
Card Details
- Up to $250,000 Limit, 2% Unlimited Cashback, 7% Hotels Cashback
- APR as low as 7.99 - 15.49%. Directly deposit cash from your Aven card to your bank account at the same low rate.
- No Annual Fee
- For Homeowners Only - 4.9/5 Stars on 3,535 Trustpilot Reviews
- Annual Fee $0
- APR 18.24% - 28.24% Variable APR
- Rewards Rate Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $0
- Est. Monthly Rewards $133
- Est. First Year Rewards $1,601
The Bottom Line
The Discover it® Chrome credit card has an excellent rewards program, a nice intro APR and very few fees. If you’re trying to earn bonus rewards for restaurant and gas purchases, this card is a great choice!
Our Take
The Good
Cardholders won’t have to pay an annual fee and will earn Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. Rewards don’t expire and can be redeemed easily online.
The Not So Good
The bonus rewards caps out at $1,000 per quarter.
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 28.24% Standard Variable APR applies, based on credit worthiness.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee.
- Terms and conditions apply.
- Annual Fee $0
- APR 19.24% to 28.24% Variable
- Rewards Rate Earn 1% in Disney Rewards Dollars on all card purchases. There are no limits to the number of Rewards Dollars you can earn.
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $150
- Est. Monthly Rewards $53
- Est. First Year Rewards $791
The Bottom Line
We don't have a review for this card yet, but sit tight! There's one coming soon.
Our Take
The Good
We don't have a review for this card yet, but sit tight! There's one coming soon.
The Not So Good
We don't have a review for this card yet, but sit tight! There's one coming soon.
Card Details
- Earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
- Earn 1% in Disney Rewards Dollars on all card purchases. There are no limits to the number of Rewards Dollars you can earn.
- 0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24%
- 10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland® Resort and Walt Disney World® Resort.
- Save 10% on select purchases at DisneyStore.com
- Member FDIC
- Annual Fee $0
- APR 12.15% to 26.15% variable
- Rewards Rate N/A
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards N/A
- Est. Monthly Rewards N/A
- Est. First Year Rewards N/A
The Bottom Line
Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the extremely low interest rates offered on this card.
Our Take
The Good
You'll be hard-pressed to find a card with a lower ongoing APR for purchases, balance transfers, and cash advances. Plus there's no annual fee, no foreign transaction fees and no penalty rate.
The Not So Good
If you want to earn rewards on your purchases, this card isn't for you.
Card Details
- Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 26.15% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- Take advantage of USAA's lowest interest rate card, whether you’re making a purchase or transferring a balance.
- Pay less in interest if you carry a balance from month to month.
- Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
- No annual fee.
- No foreign transaction fees.
- See Rates and Fees for details.
- Annual Fee $0
- APR 26.99% - 33.99%* (variable periodic rate)
- Rewards Rate Non-rewards card
- Credit Needed Limited / Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards N/A
- Est. Monthly Rewards N/A
- Est. First Year Rewards N/A
The Bottom Line
We don't have a review for this card yet, but sit tight! There's one coming soon.
Our Take
The Good
We don't have a review for this card yet, but sit tight! There's one coming soon.
The Not So Good
We don't have a review for this card yet, but sit tight! There's one coming soon.
Card Details
- No annual fee or hidden fees
- No security deposit or program fee required.
- Use your card anywhere MasterCard is accepted.
- Enjoy $0 liability on unauthorized purchases.
- Access to a virtual card upon approval for instant spending.
- See if you're pre-qualified without impacting your credit score. If you choose to complete your application, a hard credit pull will be conducted which may impact your credit score.
- Build your credit history: reports to all 3 credit bureaus.
- MasterCard ID Theft Protection: dark web monitoring and alerts on compromised information.
- Sleek mobile app: access your account from your mobile device 24/7.
- Terms and Conditions may apply. The Zable Card from Zendable Cards, LLC is issued by Continental Bank.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.