Credit Cards with No Annual Fee

My credit isand I'm looking for

A credit card with no annual fee may be ideal for earning rewards, transferring balances, having access to extra funds in case of emergency etc. We help you estimate what profit you may get with each no annual fee credit card over three years. Please compare the best offers available to you based on your credit score and the desired credit card purpose and apply for your card.

Chase Freedom Unlimited℠ photo
Chase Freedom Unlimited℠
Apply NowOn Chase bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1.5%
Points per $1 on all purchases per $ spent
$0
$150
$1,230
We estimate as
  • Card Details
  • $150 bonus after you spend $500 on purchases in the first 3 months from account opening - new cardmembers only.
  • Earn unlimited 1.5% cash back on every purchase – it's automatic.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Price Protection – If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.
  • Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.
  • Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points.
  • Maximize your rewards by transferring points to the card that earns Chase Ultimate Rewards points.
  • Pros
  • 1.5% unlimited cash back on all purchases
  • No annual fee
  • $150 bonus with low qualification
  • 0% intro APR for 15 months on purchases and balance transfers.
  • Cons
Blue Cash Everyday® Card from American Express photo
Blue Cash Everyday® Card from American Express
Apply NowOn American Express bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$100
$1,072
We estimate as
  • Card Details
  • Apply by 1/11/17 to earn 10% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200.
  • Earn $100 back after you spend $1,000 in purchases on the Card within the first 3 months of Card Membership.
  • No annual fee.
  • 0% intro APR on purchases and balance transfers for 12 months. After that, your APR will be a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Earn 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
  • Earn 2% Cash Back at U.S. gas stations & select U.S. department stores.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Pros
  • No annual fee
  • 0% APR for purchases and balance transfer for 12 month
  • Competitive cash back on groceries
  • Good cash back rate on gas
  • Cons
BankAmericard Cash Rewards™ Credit Card photo
BankAmericard Cash Rewards™ Credit Card
Apply NowOn Bank of Amerika bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$100
$1,000
We estimate as
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • Introductory 0% APR for your first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • $100 online cash rewards bonus if you make at least $500 in purchases in the first 90 days.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
  • If you're a Bank of America Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • There's no annual fee, no expiration on rewards and with no changing categories to follow, you always know where and how you're earning rewards.
  • Complete your application and get a response in as little as 60 seconds.
  • Pros
  • 0% APR intro offer for 12 months on purchases and balance transfer
  • No annual fee
  • 2% cash back on groceries and 3% on gas limited to $2500 in mixed spendings per quarter
  • $100 bonus
  • Cons
  • 1% cash back on all purchases is not a top-notch offer
Discover it® Card photo
Discover it® Card
No foreign transaction fee
Apply NowOn Discover bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1%
unlimited cash back
$0
$219
$876
We estimate as
  • Card Details
  • No annual fee.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com, Sam's Club and more on up to $1,500 in purchases every quarter you activate.
  • 1% cash back or more on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year. Only for new cardmembers.
  • Redeem your rewards for cash in any amount, any time. Your cash back never expires.
  • Paying late won't raise your APR. No late fee for your first late payment.
  • Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases.
  • Pros
  • 0% Intro APR for 12 months on purchases and balance transfers
  • No annual fee
  • Cons
  • 3% fee for each balance transfer
  • No sign-up bonus