Credit Cards with No Annual Fee

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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.

Fred Meyer Rewards® Visa® from U.S. Bank photo
Fred Meyer Rewards® Visa® from U.S. Bank
Apply NowOn U. S. Bank bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
4.3%
+ up to 2 points per $1 spent
$0
$0
$3,560
We estimate as
  • Card Details
  • Earn 2X points per qualifying net $1 spent on purchases made inside Fred Meyer stores.
  • Earn 1 point per qualifying net $1 spent anywhere Visa Cards are accepted. Terms Apply.
  • Rewards are sent automatically every quarter. Earn 500 Rewards Points and get a $5 Rewards Rebate to spend at Fred Meyer.
  • Save up to $1.25 a gallon at Fred Meyer Fuel Centers for ONE YEAR when you redeem up to 1000 Fuel Points and you scan and pay with your new Fred Meyer Rewards® Visa® Card.
  • It's two cards in one - Rewards Card and Visa Card.
  • No Annual Fee.
  • Fraud Protection.
  • Zero Fraud Liability.
  • Travel & Emergency Assistance.
  • Pros
  • High rewards rate
  • No Annual Fee
  • Cons
Amex EveryDay® Credit Card photo
Amex EveryDay® Credit Card
Apply NowOn American Express bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
2.28%
+ up to 2.4 points per $1 spent
$0
$190
10,000 points
$2,078
We estimate as
  • Card Details
  • Earn 10,000 Points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Plus, earn 5,000 Points after you add your first Additional Card and an Additional Card Member makes a purchase on their Card in your first 3 months.
  • No annual fee. 0% intro APR on purchases and balance transfers for 12 months. After that, your APR will be a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets on up to $6,000 per year in purchases. Then 1X points on other purchases. Terms and limitations apply.
  • Membership Rewards® program allows to Use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to bank selection of frequent traveler programs.
  • Pros
  • High rate for rewards
  • No annual fee
  • 0% on Purchases and Balance Transfers for 12 months
  • Cons
Blue from American Express Card photo
Blue from American Express Card
Apply NowOn American Express bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1.9%
+ up to 2 points per $1 spent
$0
$0
$1,505
We estimate as
  • Card Details
  • You will get 2X Membership Rewards® points for each dollar of eligible travel purchases made on amextravel.com. Terms and limitations apply.
  • 1X Points for every dollar of eligible purchases. Terms and limitations apply.
  • No Annual Fee.
  • Use Membership Rewards® points for your travel, hotel rooms, restaurant gift cards, or American Express Gift Cards which can be used anywhere Amex Cards are accepted in the US.
  • Payment Flexibility: Your Card gives you the option to carry a balance with interest or pay in full each month.
  • Pros
  • No Annual Fee
  • High rewards rate
  • Payment Flexibility
  • Cons
  • Has interest charges
Norwegian Cruise Line® World Mastercard® from Bank of America photo
Norwegian Cruise Line® World Mastercard® from Bank of America
Apply NowOn Bank of Amerika bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1.5%
+ up to 3 points per $1 spent
$0
$150
10,000 points
$1,446
We estimate as
  • Card Details
  • Earn 3 WorldPoints® points for every $1 spent on Norwegian purchases, and 1 WorldPoints® point per $1 on all other purchases. Terms Apply.
  • No annual fee.
  • Get 10,000 bonus WorldPoints® reward points after you make a transaction in the first 90 days - enough for $100 off your next cruise. Terms Apply.
  • Redeem points for stateroom upgrades, travel discounts, on-board credits, car rentals, hotel stays or gift cards. You'll also get exclusive redemption opportunities for last-minute cruises and other special offers.
  • Bank of America Preferred Rewards clients get an additional 25% - 75% points bonus on every purchase, applied to the base earn of 1 point per $1. Terms Apply.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • High rewards rate
  • No annual fee
  • Sign-up bonus
  • Cons
  • Has foreign transaction fees
Citi® Double Cash Card photo
Citi® Double Cash Card
Apply NowOn Citi bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
2%
unlimited cash back
$0
$0
$1,440
We estimate as
  • Card Details
  • Earn Cash Back TWICE on every purchase with 1% cash back when you buy and 1% cash back as you pay, with no annual fee.
  • No caps and no Category restrictions.
  • No Annual Fee.
  • 0% Intro APR on balance transfers for 18 months.
  • You can redeem cash back for checks, statement credits or gift cards.
  • Get a pass on your first late fee.
  • Enjoy special access to purchase tickets to thousands of events annually at citiprivatepass.com.
  • Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
  • Travel & Purchase protection.
  • Pros
  • High rate of rewards
  • No Annual Fee
  • 0% Intro APR on balance transfers for 18 months
  • Travel & Purchase protection
  • Cons